GoTyme Bank vs Standard Bank

Interest rates compared

Last updated 1st July 2026 by Walter

Introduction

This fixed deposit comparison page compares GoTyme Bank interest rates to Standard Bank interest rates. All the interest rates shown are sourced from the GoTyme Bank and Standard Bank websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 1st July 2026.

How do GoTyme Bank fixed deposit interest rates compare to Standard Bank ?

You are more likely to find better interest rates at GoTyme Bank than Standard Bank. Specifically, 100 out of 100 interest rates are better at GoTyme Bank than Standard Bank. This means you are more likely to find a better interest rate at Standard Bank 0% of the time. (PS this was done by comparing all the interest rates on offer for different terms, investment amounts and age groups. Only terms which are offered by both banks are included in the comparison)

GoTyme Bank
8.58%
best rate
Standard Bank
7.40%
best rate

The best interest rate you can get at GoTyme Bank is 8.5841% for the 36-month fixed deposit. You will need a minimum deposit of R1 . Whilst at Standard Bank, the best interest rate you can get is 7.403537698241536% for the 12-month fixed deposit. You will need a minimum deposit of R1,000,000 .

But how do interest rates at GoTyme Bank compare to Standard Bank across different terms and investment amounts?

3 month fixed deposit interest rates compared

GoTyme Bank vs Standard Bank

This table shows GoTyme Bank's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.

Investment amount GoTyme Bank1Standard Bank1 Winner 2
R10,000 for 18+
7.70%
6.02%
+
43
R100,000 for 18+
7.70%
6.59%
+
282
R250,000 for 18+
7.70%
6.59%
+
706
R1,000,000 for 18+
7.70%
6.68%
+
2,587
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above Standard Bank.
    A negative amount means that Standard Bank offers more than GoTyme Bank.
How to read this table?

You get a 7.7022% interest rate at GoTyme Bank for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.68%. Over 3 months you will earn R2,587 more in interest at GoTyme Bank compared Standard Bank.

6 month fixed deposit interest rates compared

GoTyme Bank vs Standard Bank

This table shows GoTyme Bank's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.

Investment amount GoTyme Bank1Standard Bank1 Winner 2
R10,000 for 18+
8.11%
6.13%
+
102
R100,000 for 18+
8.11%
6.69%
+
732
R250,000 for 18+
8.11%
6.69%
+
1,831
R1,000,000 for 18+
8.11%
6.78%
+
6,841
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above Standard Bank.
    A negative amount means that Standard Bank offers more than GoTyme Bank.
How to read this table?

You get a 8.1115% interest rate at GoTyme Bank for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.78%. Over 6 months you will earn R6,841 more in interest at GoTyme Bank compared Standard Bank.

1 year fixed deposit interest rates compared

GoTyme Bank vs Standard Bank

This table shows GoTyme Bank's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.

Investment amount GoTyme Bank1Standard Bank1 Winner 2
R10,000 for 18+
8.42%
6.46%
+
209
R100,000 for 18+
8.42%
7.35%
+
1,150
R250,000 for 18+
8.42%
7.35%
+
2,875
R1,000,000 for 18+
8.42%
7.40%
+
10,900
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above Standard Bank.
    A negative amount means that Standard Bank offers more than GoTyme Bank.
How to read this table?

You get a 8.4175% interest rate at GoTyme Bank for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.40%. Over 12 months you will earn R10,900 more in interest at GoTyme Bank compared Standard Bank.

2 year fixed deposit interest rates compared

GoTyme Bank vs Standard Bank

This table shows GoTyme Bank's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount GoTyme Bank1Standard Bank1 Winner 2
R10,000 for 18+
8.52%
6.87%
+
382
R100,000 for 18+
8.52%
7.31%
+
2,813
R250,000 for 18+
8.52%
7.31%
+
7,033
R1,000,000 for 18+
8.52%
7.31%
+
28,134
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above Standard Bank.
    A negative amount means that Standard Bank offers more than GoTyme Bank.
How to read this table?

You get a 8.5193% interest rate at GoTyme Bank for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.31%. Over 2 years you will earn R28,134 more in interest at GoTyme Bank compared Standard Bank.

3 year fixed deposit interest rates compared

GoTyme Bank vs Standard Bank

This table shows GoTyme Bank's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.

Investment amount GoTyme Bank1Standard Bank1 Winner 2
R10,000 for 18+
8.58%
6.99%
+
599
R100,000 for 18+
8.58%
7.39%
+
4,503
R250,000 for 18+
8.58%
7.39%
+
11,258
R1,000,000 for 18+
8.58%
7.39%
+
45,032
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above Standard Bank.
    A negative amount means that Standard Bank offers more than GoTyme Bank.
How to read this table?

You get a 8.5841% interest rate at GoTyme Bank for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.39%. Over 3 years you will earn R45,032 more in interest at GoTyme Bank compared Standard Bank.

How do GoTyme Bank interest rates compare to other banks?