SA Retail Bonds Fixed Deposit Review for April 2025

Last updated 2nd April 2025 by Walter

Introduction

This page summarises all the fixed deposits offered by SA Retail Bonds. All the rates shown are sourced from the SA Retail Bonds website - secure.rsaretailbonds.gov.za. All rates shown on this page have been converted to nominal and effective annual rates! This allows you to compare rates across all banks. Yippee!

The SA Retail Bonds fixed deposit interest calculator, allows you to calculate how much interest you will earn for your age, investment amount and term.

SA Retail Bonds fixed deposits highlights

last updated 2nd April 2025 by Walter

R1,000
min deposit
10.25%
best rate

Here are SA Retail Bonds's best fixed deposit rates

The best interest rate you can get at SA Retail Bonds is 10.25% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 .

Here are SA Retail Bonds's five best fixed deposit interest rates:

# Min deposit Term Nominal
1 R1,000 60 months 10.25%
2 R1,000 36 months 9.25%
3 R1,000 24 months 9.00%
P
only individuals older than 55 qualify

SA Retail Bonds 2 year fixed deposit

This table shows SA Retail Bonds's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+9.00% 8.01%
+
193
R10,000 for 55+9.00% 8.00%
+
195
R100,000 for 18+9.00% 8.07%
+
1,782
R100,000 for 55+9.00% 8.05%
+
1,849
R250,000 for 18+9.00% 8.11%
+
4,244
R250,000 for 55+9.00% 8.10%
+
4,334
R1,000,000 for 18+9.00% 8.15%
+
16,182
R1,000,000 for 55+9.00% 8.16%
+
15,763
R5,000,000 for 18+9.00% 8.15%
+
79,861
How to read this table?

You get a 9% interest rate at SA Retail Bonds for a R10,000 investment in a 2 year fixed deposit (if you are older than 18). The industry average is 8.01%. Over 2 years you will earn R193 more in interest at SA Retail Bonds compared to the average bank.

SA Retail Bonds 3 year fixed deposit

This table shows SA Retail Bonds's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+9.25% 8.17%
+
345
R10,000 for 55+9.25% 8.16%
+
353
R100,000 for 18+9.25% 8.24%
+
3,199
R100,000 for 55+9.25% 8.19%
+
3,415
R250,000 for 18+9.25% 8.29%
+
7,576
R250,000 for 55+9.25% 8.24%
+
7,989
R1,000,000 for 18+9.25% 8.33%
+
28,751
R1,000,000 for 55+9.25% 8.32%
+
29,031
R5,000,000 for 18+9.25% 8.34%
+
141,120
How to read this table?

You get a 9.25% interest rate at SA Retail Bonds for a R10,000 investment in a 3 year fixed deposit (if you are older than 18). The industry average is 8.17%. Over 3 years you will earn R345 more in interest at SA Retail Bonds compared to the average bank.

SA Retail Bonds 5 year fixed deposit

This table shows SA Retail Bonds's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+10.25% 8.72%
+
1,031
R10,000 for 55+10.25% 8.71%
+
1,046
R100,000 for 18+10.25% 8.80%
+
9,754
R100,000 for 55+10.25% 8.75%
+
10,117
R250,000 for 18+10.25% 8.84%
+
23,664
R250,000 for 55+10.25% 8.80%
+
24,403
R1,000,000 for 18+10.25% 8.87%
+
92,147
R1,000,000 for 55+10.25% 8.87%
+
92,314
R5,000,000 for 18+10.25% 8.85%
+
466,935
How to read this table?

You get a 10.25% interest rate at SA Retail Bonds for a R10,000 investment in a 5 year fixed deposit (if you are older than 18). The industry average is 8.72%. Over 5 years you will earn R1,031 more in interest at SA Retail Bonds compared to the average bank.