SA Retail Bonds Fixed Deposit Review for January 2025

Last updated 4th January 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 4th January 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 9.00%
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% 8.08%
+
119
R10,000 for 55+8.75% 8.12%
+
110
R100,000 for 18+8.75% 8.15%
+
1,028
R100,000 for 55+8.75% 8.16%
+
1,018
R250,000 for 18+8.75% 8.20%
+
2,334
R250,000 for 55+8.75% 8.20%
+
2,334
R1,000,000 for 18+8.75% 8.23%
+
8,467
R1,000,000 for 55+8.75% 8.28%
+
7,474
R5,000,000 for 18+8.75% 8.25%
+
40,156
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 8.08%. Over 2 years you will earn R119 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+9.00% 8.18%
+
250
R10,000 for 55+9.00% 8.21%
+
238
R100,000 for 18+9.00% 8.26%
+
2,206
R100,000 for 55+9.00% 8.24%
+
2,261
R250,000 for 18+9.00% 8.30%
+
5,093
R250,000 for 55+9.00% 8.28%
+
5,260
R1,000,000 for 18+9.00% 8.34%
+
18,816
R1,000,000 for 55+9.00% 8.37%
+
17,729
R5,000,000 for 18+9.00% 8.37%
+
88,944
How to read this table?

You get a 9% 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 8.18%. Over 3 years you will earn R250 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% 8.70%
+
854
R10,000 for 55+10.00% 8.76%
+
812
R100,000 for 18+10.00% 8.79%
+
7,908
R100,000 for 55+10.00% 8.78%
+
7,995
R250,000 for 18+10.00% 8.83%
+
19,049
R250,000 for 55+10.00% 8.81%
+
19,324
R1,000,000 for 18+10.00% 8.86%
+
73,674
R1,000,000 for 55+10.00% 8.88%
+
71,697
R5,000,000 for 18+10.00% 8.85%
+
371,529
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 8.70%. Over 5 years you will earn R854 more in interest at SA Retail Bonds compared to the average bank.