Absa vs SA Retail Bonds

Interest rates compared

Last updated 1st April 2026 by Walter

Introduction

This fixed deposit comparison page compares Absa interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the Absa and SA Retail Bonds websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 1st April 2026.

How do Absa fixed deposit interest rates compare to SA Retail Bonds ?

You are more likely to find better interest rates at SA Retail Bonds than Absa. Specifically, 0 out of 100 interest rates are better at Absa than SA Retail Bonds. This means you are more likely to find a better interest rate at SA Retail Bonds 100% of the time. (PS this was done by comparing all the interest rates on offer for different terms, investment amounts and age groups. Only terms which are offered by both banks are included in the comparison)

Absa
8.05%
best rate
SA Retail Bonds
9.25%
best rate

The best interest rate you can get at Absa is 8.05% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at SA Retail Bonds, the best interest rate you can get is 9.25% for the 60-month fixed deposit. You will need a minimum deposit of R1 .

But how do interest rates at Absa compare to SA Retail Bonds across different terms and investment amounts?

2 year fixed deposit interest rates compared

Absa vs SA Retail Bonds

This table shows Absa's and 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.

Investment amount Absa1SA Retail Bonds1 Winner 2
R10,000 for 18+
7.50%
8.25%
-
-142
R100,000 for 18+
7.50%
8.25%
-
-1,420
R250,000 for 18+
7.50%
8.25%
-
-3,550
R1,000,000 for 18+
7.60%
8.25%
-
-11,891
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Absa.
How to read this table?

You get a 7.6% interest rate at Absa for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 8.25%. Over 2 years you will earn R11,891 less in interest at Absa compared SA Retail Bonds.

3 year fixed deposit interest rates compared

Absa vs SA Retail Bonds

This table shows Absa's and 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.

Investment amount Absa1SA Retail Bonds1 Winner 2
R10,000 for 18+
7.50%
8.75%
-
-415
R100,000 for 18+
7.60%
8.75%
-
-3,776
R250,000 for 18+
7.60%
8.75%
-
-9,440
R1,000,000 for 18+
7.80%
8.75%
-
-30,254
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Absa.
How to read this table?

You get a 7.8% interest rate at Absa for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 8.75%. Over 3 years you will earn R30,254 less in interest at Absa compared SA Retail Bonds.

5 year fixed deposit interest rates compared

Absa vs SA Retail Bonds

This table shows Absa's and 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.

Investment amount Absa1SA Retail Bonds1 Winner 2
R10,000 for 18+
7.70%
9.25%
-
-1,038
R100,000 for 18+
7.90%
9.25%
-
-8,918
R250,000 for 18+
7.90%
9.25%
-
-22,296
R1,000,000 for 18+
8.05%
9.25%
-
-78,096
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Absa.
How to read this table?

You get a 8.05% interest rate at Absa for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 9.25%. Over 5 years you will earn R78,096 less in interest at Absa compared SA Retail Bonds.

How do Absa interest rates compare to other banks?