Access Bank Plc Fixed Deposit Review for August 2025
Introduction
This page summarises all the fixed deposits offered by Access Bank Plc. All the rates shown are sourced from the Access Bank Plc website - southafrica.accessbankplc.com. 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 Access Bank Plc fixed deposit interest calculator, allows you to calculate how much interest you will earn for your age, investment amount and term.
Access Bank Plc fixed deposits highlights
last updated 3rd August 2025 by Walter
Here are Access Bank Plc's best fixed deposit rates
The best interest rate you can get at Access Bank Plc is 9.2% for the 60-month fixed deposit. You will need a minimum deposit of R0 .
Here are Access Bank Plc's five best fixed deposit interest rates:
| # | Min deposit | Term | Nominal | Effective |
|---|
Access Bank Plc 3 month fixed deposit
This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.60% | 7.06% | + 14 |
| R10,000 for 55+ | 7.60% | 7.07% | + 13 |
| R100,000 for 18+ | 7.60% | 7.09% | + 129 |
| R100,000 for 55+ | 7.60% | 7.15% | + 115 |
| R250,000 for 18+ | 7.60% | 7.09% | + 322 |
| R250,000 for 55+ | 7.60% | 7.21% | + 249 |
| R1,000,000 for 18+ | 7.60% | 7.18% | + 1,070 |
| R1,000,000 for 55+ | 7.60% | 7.29% | + 781 |
| R5,000,000 for 18+ | 7.60% | 7.23% | + 4,722 |
| R5,000,000 for 55+ | 7.60% | 7.30% | + 3,777 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.60% | 7.06% | + 14 |
| R10,000 for 55+ | 7.60% | 7.07% | + 13 |
| R100,000 for 18+ | 7.60% | 7.09% | + 129 |
| R100,000 for 55+ | 7.60% | 7.15% | + 115 |
| R250,000 for 18+ | 7.60% | 7.09% | + 322 |
| R250,000 for 55+ | 7.60% | 7.21% | + 249 |
| R1,000,000 for 18+ | 7.60% | 7.18% | + 1,070 |
| R1,000,000 for 55+ | 7.60% | 7.29% | + 781 |
| R5,000,000 for 18+ | 7.60% | 7.23% | + 4,722 |
| R5,000,000 for 55+ | 7.60% | 7.30% | + 3,777 |
- 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 Access Bank Plc.
You get a 7.6% interest rate at Access Bank Plc for a R10,000 investment in a 3 month fixed deposit (if you are older than 18). The industry average is 7.06%. Over 3 months you will earn R14 more in interest at Access Bank Plc compared to the average bank.
Access Bank Plc 6 month fixed deposit
This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.90% | 7.39% | + 26 |
| R10,000 for 55+ | 7.90% | 7.36% | + 27 |
| R100,000 for 18+ | 7.90% | 7.37% | + 272 |
| R100,000 for 55+ | 7.90% | 7.41% | + 250 |
| R250,000 for 18+ | 7.90% | 7.35% | + 704 |
| R250,000 for 55+ | 7.90% | 7.46% | + 562 |
| R1,000,000 for 18+ | 7.90% | 7.42% | + 2,491 |
| R1,000,000 for 55+ | 7.90% | 7.53% | + 1,900 |
| R5,000,000 for 18+ | 7.90% | 7.48% | + 10,900 |
| R5,000,000 for 55+ | 7.90% | 7.54% | + 9,202 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.90% | 7.39% | + 26 |
| R10,000 for 55+ | 7.90% | 7.36% | + 27 |
| R100,000 for 18+ | 7.90% | 7.37% | + 272 |
| R100,000 for 55+ | 7.90% | 7.41% | + 250 |
| R250,000 for 18+ | 7.90% | 7.35% | + 704 |
| R250,000 for 55+ | 7.90% | 7.46% | + 562 |
| R1,000,000 for 18+ | 7.90% | 7.42% | + 2,491 |
| R1,000,000 for 55+ | 7.90% | 7.53% | + 1,900 |
| R5,000,000 for 18+ | 7.90% | 7.48% | + 10,900 |
| R5,000,000 for 55+ | 7.90% | 7.54% | + 9,202 |
- 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 Access Bank Plc.
You get a 7.9% interest rate at Access Bank Plc for a R10,000 investment in a 6 month fixed deposit (if you are older than 18). The industry average is 7.39%. Over 6 months you will earn R26 more in interest at Access Bank Plc compared to the average bank.
Access Bank Plc 1 year fixed deposit
This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 8.35% | 7.60% | + 81 |
| R10,000 for 55+ | 8.35% | 7.60% | + 81 |
| R100,000 for 18+ | 8.35% | 7.67% | + 733 |
| R100,000 for 55+ | 8.35% | 7.69% | + 708 |
| R250,000 for 18+ | 8.35% | 7.68% | + 1,816 |
| R250,000 for 55+ | 8.35% | 7.77% | + 1,575 |
| R1,000,000 for 18+ | 8.35% | 7.73% | + 6,750 |
| R1,000,000 for 55+ | 8.35% | 7.84% | + 5,527 |
| R5,000,000 for 18+ | 8.35% | 7.77% | + 31,227 |
| R5,000,000 for 55+ | 8.35% | 7.85% | + 26,962 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 8.35% | 7.60% | + 81 |
| R10,000 for 55+ | 8.35% | 7.60% | + 81 |
| R100,000 for 18+ | 8.35% | 7.67% | + 733 |
| R100,000 for 55+ | 8.35% | 7.69% | + 708 |
| R250,000 for 18+ | 8.35% | 7.68% | + 1,816 |
| R250,000 for 55+ | 8.35% | 7.77% | + 1,575 |
| R1,000,000 for 18+ | 8.35% | 7.73% | + 6,750 |
| R1,000,000 for 55+ | 8.35% | 7.84% | + 5,527 |
| R5,000,000 for 18+ | 8.35% | 7.77% | + 31,227 |
| R5,000,000 for 55+ | 8.35% | 7.85% | + 26,962 |
- 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 Access Bank Plc.
You get a 8.35% interest rate at Access Bank Plc for a R10,000 investment in a 1 year fixed deposit (if you are older than 18). The industry average is 7.60%. Over 12 months you will earn R81 more in interest at Access Bank Plc compared to the average bank.
Access Bank Plc 2 year fixed deposit
This table shows Access Bank Plc'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+ | 8.55% | 7.57% | + 230 |
| R10,000 for 55+ | 8.55% | 7.56% | + 232 |
| R100,000 for 18+ | 8.55% | 7.66% | + 2,104 |
| R100,000 for 55+ | 8.55% | 7.63% | + 2,164 |
| R250,000 for 18+ | 8.55% | 7.70% | + 4,999 |
| R250,000 for 55+ | 8.55% | 7.69% | + 5,077 |
| R1,000,000 for 18+ | 8.55% | 7.75% | + 18,915 |
| R1,000,000 for 55+ | 8.55% | 7.77% | + 18,458 |
| R5,000,000 for 18+ | 8.55% | 7.77% | + 91,791 |
| R5,000,000 for 55+ | 8.55% | 7.75% | + 93,216 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 8.55% | 7.57% | + 230 |
| R10,000 for 55+ | 8.55% | 7.56% | + 232 |
| R100,000 for 18+ | 8.55% | 7.66% | + 2,104 |
| R100,000 for 55+ | 8.55% | 7.63% | + 2,164 |
| R250,000 for 18+ | 8.55% | 7.70% | + 4,999 |
| R250,000 for 55+ | 8.55% | 7.69% | + 5,077 |
| R1,000,000 for 18+ | 8.55% | 7.75% | + 18,915 |
| R1,000,000 for 55+ | 8.55% | 7.77% | + 18,458 |
| R5,000,000 for 18+ | 8.55% | 7.77% | + 91,791 |
| R5,000,000 for 55+ | 8.55% | 7.75% | + 93,216 |
- 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 Access Bank Plc.
You get a 8.55% interest rate at Access Bank Plc for a R10,000 investment in a 2 year fixed deposit (if you are older than 18). The industry average is 7.57%. Over 2 years you will earn R230 more in interest at Access Bank Plc compared to the average bank.
Access Bank Plc 3 year fixed deposit
This table shows Access Bank Plc'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+ | 8.65% | 7.70% | + 366 |
| R10,000 for 55+ | 8.65% | 7.69% | + 369 |
| R100,000 for 18+ | 8.65% | 7.81% | + 3,228 |
| R100,000 for 55+ | 8.65% | 7.76% | + 3,404 |
| R250,000 for 18+ | 8.65% | 7.86% | + 7,614 |
| R250,000 for 55+ | 8.65% | 7.82% | + 7,931 |
| R1,000,000 for 18+ | 8.65% | 7.90% | + 29,165 |
| R1,000,000 for 55+ | 8.65% | 7.90% | + 28,989 |
| R5,000,000 for 18+ | 8.65% | 7.93% | + 139,885 |
| R5,000,000 for 55+ | 8.65% | 7.87% | + 148,014 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 8.65% | 7.70% | + 366 |
| R10,000 for 55+ | 8.65% | 7.69% | + 369 |
| R100,000 for 18+ | 8.65% | 7.81% | + 3,228 |
| R100,000 for 55+ | 8.65% | 7.76% | + 3,404 |
| R250,000 for 18+ | 8.65% | 7.86% | + 7,614 |
| R250,000 for 55+ | 8.65% | 7.82% | + 7,931 |
| R1,000,000 for 18+ | 8.65% | 7.90% | + 29,165 |
| R1,000,000 for 55+ | 8.65% | 7.90% | + 28,989 |
| R5,000,000 for 18+ | 8.65% | 7.93% | + 139,885 |
| R5,000,000 for 55+ | 8.65% | 7.87% | + 148,014 |
- 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 Access Bank Plc.
You get a 8.65% interest rate at Access Bank Plc 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 R366 more in interest at Access Bank Plc compared to the average bank.
Access Bank Plc 5 year fixed deposit
This table shows Access Bank Plc'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+ | 9.20% | 8.37% | + 647 |
| R10,000 for 55+ | 9.20% | 8.33% | + 676 |
| R100,000 for 18+ | 9.20% | 8.42% | + 6,119 |
| R100,000 for 55+ | 9.20% | 8.36% | + 6,503 |
| R250,000 for 18+ | 9.20% | 8.46% | + 14,542 |
| R250,000 for 55+ | 9.20% | 8.44% | + 14,825 |
| R1,000,000 for 18+ | 9.20% | 8.53% | + 52,708 |
| R1,000,000 for 55+ | 9.20% | 8.52% | + 52,992 |
| R5,000,000 for 18+ | 9.20% | 8.51% | + 271,030 |
| R5,000,000 for 55+ | 9.20% | 8.45% | + 286,872 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 9.20% | 8.37% | + 647 |
| R10,000 for 55+ | 9.20% | 8.33% | + 676 |
| R100,000 for 18+ | 9.20% | 8.42% | + 6,119 |
| R100,000 for 55+ | 9.20% | 8.36% | + 6,503 |
| R250,000 for 18+ | 9.20% | 8.46% | + 14,542 |
| R250,000 for 55+ | 9.20% | 8.44% | + 14,825 |
| R1,000,000 for 18+ | 9.20% | 8.53% | + 52,708 |
| R1,000,000 for 55+ | 9.20% | 8.52% | + 52,992 |
| R5,000,000 for 18+ | 9.20% | 8.51% | + 271,030 |
| R5,000,000 for 55+ | 9.20% | 8.45% | + 286,872 |
- 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 Access Bank Plc.
You get a 9.2% interest rate at Access Bank Plc 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 R647 more in interest at Access Bank Plc compared to the average bank.