SA Retail Bonds Fixed Deposit Review for August 2025

Last updated 3rd August 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 3rd August 2025 by Walter

R1,000
min deposit
9.25%
best rate

Here are SA Retail Bonds's best fixed deposit rates

The best interest rate you can get at SA Retail Bonds is 9.25% 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
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+8.25% 7.60%
+
118
R10,000 for 55+8.25% 7.59%
+
122
R100,000 for 18+8.25% 7.68%
+
990
R100,000 for 55+8.25% 7.65%
+
1,069
R250,000 for 18+8.25% 7.73%
+
2,214
R250,000 for 55+8.25% 7.71%
+
2,341
R1,000,000 for 18+8.25% 7.78%
+
7,773
R1,000,000 for 55+8.25% 7.79%
+
7,515
R5,000,000 for 18+8.25% 7.80%
+
35,616
How to read this table?

You get a 8.25% 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 7.60%. Over 2 years you will earn R118 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+8.50% 7.72%
+
241
R10,000 for 55+8.50% 7.70%
+
247
R100,000 for 18+8.50% 7.83%
+
1,977
R100,000 for 55+8.50% 7.78%
+
2,179
R250,000 for 18+8.50% 7.88%
+
4,486
R250,000 for 55+8.50% 7.84%
+
4,869
R1,000,000 for 18+8.50% 7.91%
+
16,656
R1,000,000 for 55+8.50% 7.91%
+
16,742
R5,000,000 for 18+8.50% 7.95%
+
76,705
How to read this table?

You get a 8.5% 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 7.72%. Over 3 years you will earn R241 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+9.25% 8.37%
+
537
R10,000 for 55+9.25% 8.33%
+
568
R100,000 for 18+9.25% 8.41%
+
5,027
R100,000 for 55+9.25% 8.36%
+
5,428
R250,000 for 18+9.25% 8.45%
+
11,794
R250,000 for 55+9.25% 8.44%
+
12,149
R1,000,000 for 18+9.25% 8.52%
+
41,717
R1,000,000 for 55+9.25% 8.52%
+
42,288
R5,000,000 for 18+9.25% 8.50%
+
215,060
How to read this table?

You get a 9.25% 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 8.37%. Over 5 years you will earn R537 more in interest at SA Retail Bonds compared to the average bank.