SA Retail Bonds Fixed Deposit Review for July 2025
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 1st July 2025 by Walter
Here are SA Retail Bonds's best fixed deposit rates
The best interest rate you can get at SA Retail Bonds is 10% 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 | Effective |
|---|
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+ | 8.50% | 7.58% | + 178 |
| R10,000 for 55+ | 8.50% | 7.64% | + 166 |
| R100,000 for 18+ | 8.50% | 7.73% | + 1,441 |
| R100,000 for 55+ | 8.50% | 7.73% | + 1,442 |
| R250,000 for 18+ | 8.50% | 7.79% | + 3,292 |
| R250,000 for 55+ | 8.50% | 7.80% | + 3,241 |
| R1,000,000 for 18+ | 8.50% | 7.83% | + 12,085 |
| R1,000,000 for 55+ | 8.50% | 7.88% | + 11,125 |
| R5,000,000 for 18+ | 8.50% | 7.85% | + 58,887 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 8.50% | 7.58% | + 178 |
| R10,000 for 55+ | 8.50% | 7.64% | + 166 |
| R100,000 for 18+ | 8.50% | 7.73% | + 1,441 |
| R100,000 for 55+ | 8.50% | 7.73% | + 1,442 |
| R250,000 for 18+ | 8.50% | 7.79% | + 3,292 |
| R250,000 for 55+ | 8.50% | 7.80% | + 3,241 |
| R1,000,000 for 18+ | 8.50% | 7.83% | + 12,085 |
| R1,000,000 for 55+ | 8.50% | 7.88% | + 11,125 |
| R5,000,000 for 18+ | 8.50% | 7.85% | + 58,887 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than SA Retail Bonds.
You get a 8.5% 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 7.58%. Over 2 years you will earn R178 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+ | 8.75% | 7.70% | + 339 |
| R10,000 for 55+ | 8.75% | 7.76% | + 315 |
| R100,000 for 18+ | 8.75% | 7.89% | + 2,693 |
| R100,000 for 55+ | 8.75% | 7.87% | + 2,737 |
| R250,000 for 18+ | 8.75% | 7.94% | + 6,177 |
| R250,000 for 55+ | 8.75% | 7.94% | + 6,193 |
| R1,000,000 for 18+ | 8.75% | 7.98% | + 23,379 |
| R1,000,000 for 55+ | 8.75% | 8.01% | + 21,997 |
| R5,000,000 for 18+ | 8.75% | 7.99% | + 114,177 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 8.75% | 7.70% | + 339 |
| R10,000 for 55+ | 8.75% | 7.76% | + 315 |
| R100,000 for 18+ | 8.75% | 7.89% | + 2,693 |
| R100,000 for 55+ | 8.75% | 7.87% | + 2,737 |
| R250,000 for 18+ | 8.75% | 7.94% | + 6,177 |
| R250,000 for 55+ | 8.75% | 7.94% | + 6,193 |
| R1,000,000 for 18+ | 8.75% | 7.98% | + 23,379 |
| R1,000,000 for 55+ | 8.75% | 8.01% | + 21,997 |
| R5,000,000 for 18+ | 8.75% | 7.99% | + 114,177 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than SA Retail Bonds.
You get a 8.75% 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 7.70%. Over 3 years you will earn R339 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+ | 10.00% | 8.32% | + 1,147 |
| R10,000 for 55+ | 10.00% | 8.34% | + 1,132 |
| R100,000 for 18+ | 10.00% | 8.48% | + 10,299 |
| R100,000 for 55+ | 10.00% | 8.45% | + 10,529 |
| R250,000 for 18+ | 10.00% | 8.53% | + 24,684 |
| R250,000 for 55+ | 10.00% | 8.51% | + 25,148 |
| R1,000,000 for 18+ | 10.00% | 8.60% | + 93,733 |
| R1,000,000 for 55+ | 10.00% | 8.60% | + 93,329 |
| R5,000,000 for 18+ | 10.00% | 8.57% | + 478,347 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 10.00% | 8.32% | + 1,147 |
| R10,000 for 55+ | 10.00% | 8.34% | + 1,132 |
| R100,000 for 18+ | 10.00% | 8.48% | + 10,299 |
| R100,000 for 55+ | 10.00% | 8.45% | + 10,529 |
| R250,000 for 18+ | 10.00% | 8.53% | + 24,684 |
| R250,000 for 55+ | 10.00% | 8.51% | + 25,148 |
| R1,000,000 for 18+ | 10.00% | 8.60% | + 93,733 |
| R1,000,000 for 55+ | 10.00% | 8.60% | + 93,329 |
| R5,000,000 for 18+ | 10.00% | 8.57% | + 478,347 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than SA Retail Bonds.
You get a 10% 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 8.32%. Over 5 years you will earn R1,147 more in interest at SA Retail Bonds compared to the average bank.