SA Retail Bonds Fixed Deposit Review for May 2025

Last updated 2nd May 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 May 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 9.00%
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% 7.82%
+
181
R10,000 for 55+8.75% 7.82%
+
180
R100,000 for 18+8.75% 7.88%
+
1,674
R100,000 for 55+8.75% 7.86%
+
1,714
R250,000 for 18+8.75% 7.92%
+
3,949
R250,000 for 55+8.75% 7.91%
+
3,979
R1,000,000 for 18+8.75% 7.95%
+
14,971
R1,000,000 for 55+8.75% 7.98%
+
14,263
R5,000,000 for 18+8.75% 7.96%
+
74,197
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 7.82%. Over 2 years you will earn R181 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% 7.94%
+
340
R10,000 for 55+9.00% 7.96%
+
335
R100,000 for 18+9.00% 8.02%
+
3,111
R100,000 for 55+9.00% 7.99%
+
3,213
R250,000 for 18+9.00% 8.06%
+
7,363
R250,000 for 55+9.00% 8.05%
+
7,492
R1,000,000 for 18+9.00% 8.10%
+
27,981
R1,000,000 for 55+9.00% 8.13%
+
27,107
R5,000,000 for 18+9.00% 8.10%
+
139,860
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 7.94%. Over 3 years you will earn R340 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% 8.57%
+
1,148
R10,000 for 55+10.25% 8.55%
+
1,168
R100,000 for 18+10.25% 8.62%
+
11,089
R100,000 for 55+10.25% 8.57%
+
11,471
R250,000 for 18+10.25% 8.66%
+
27,023
R250,000 for 55+10.25% 8.62%
+
27,793
R1,000,000 for 18+10.25% 8.69%
+
105,661
R1,000,000 for 55+10.25% 8.69%
+
105,962
R5,000,000 for 18+10.25% 8.65%
+
544,150
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 8.57%. Over 5 years you will earn R1,148 more in interest at SA Retail Bonds compared to the average bank.