SA Retail Bonds Fixed Deposit Review for February 2025

Last updated 2nd February 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 February 2025 by Walter

R1,000
min deposit
10.00%
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% 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 10.00%
2 R1,000 36 months 9.25%
3 R1,000 24 months 8.75%
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+8.75% 8.06%
+
125
R10,000 for 55+8.75% 8.04%
+
130
R100,000 for 18+8.75% 8.13%
+
1,085
R100,000 for 55+8.75% 8.09%
+
1,184
R250,000 for 18+8.75% 8.17%
+
2,481
R250,000 for 55+8.75% 8.14%
+
2,651
R1,000,000 for 18+8.75% 8.21%
+
9,057
R1,000,000 for 55+8.75% 8.21%
+
8,919
R5,000,000 for 18+8.75% 8.22%
+
43,405
How to read this table?

You get a 8.75% 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 8.06%. Over 2 years you will earn R125 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% 8.15%
+
354
R10,000 for 55+9.25% 8.11%
+
368
R100,000 for 18+9.25% 8.24%
+
3,223
R100,000 for 55+9.25% 8.16%
+
3,517
R250,000 for 18+9.25% 8.28%
+
7,634
R250,000 for 55+9.25% 8.22%
+
8,245
R1,000,000 for 18+9.25% 8.32%
+
28,985
R1,000,000 for 55+9.25% 8.29%
+
30,054
R5,000,000 for 18+9.25% 8.34%
+
140,260
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 8.15%. Over 3 years you will earn R354 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% 8.68%
+
873
R10,000 for 55+10.00% 8.67%
+
880
R100,000 for 18+10.00% 8.78%
+
8,000
R100,000 for 55+10.00% 8.73%
+
8,319
R250,000 for 18+10.00% 8.81%
+
19,279
R250,000 for 55+10.00% 8.78%
+
19,907
R1,000,000 for 18+10.00% 8.85%
+
74,607
R1,000,000 for 55+10.00% 8.85%
+
74,331
R5,000,000 for 18+10.00% 8.84%
+
377,127
How to read this table?

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 8.68%. Over 5 years you will earn R873 more in interest at SA Retail Bonds compared to the average bank.