Access Bank Plc
vs
FNB
Interest rates compared
Introduction
This fixed deposit comparison page compares Access Bank Plc interest rates to FNB interest rates. All the interest rates shown are sourced from the Access Bank Plc and FNB websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 4th August 2025.
How do Access Bank Plc fixed deposit interest rates compare to FNB ?
You are more likely to find better interest rates at Access Bank Plc than FNB. Specifically, 100 out of 100 interest rates are better at Access Bank Plc than FNB. This means you are more likely to find a better interest rate at FNB 0% 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)
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 . Whilst at FNB, the best interest rate you can get is 8.15% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 and be over the age of 55.
But how do interest rates at Access Bank Plc compare to FNB across different terms and investment amounts?
3 month fixed deposit interest rates compared
This table shows Access Bank Plc's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.
| Investment amount | Access Bank Plc1 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.60% | 6.50% | + 28 |
| R10,000 for 55+ | 7.60% | 6.65% | + 24 |
| R100,000 for 18+ | 7.60% | 6.50% | + 277 |
| R100,000 for 55+ | 7.60% | 6.65% | + 239 |
| R250,000 for 18+ | 7.60% | 6.60% | + 634 |
| R250,000 for 55+ | 7.60% | 6.75% | + 539 |
| R1,000,000 for 18+ | 7.60% | 6.80% | + 2,014 |
| R1,000,000 for 55+ | 7.60% | 6.95% | + 1,634 |
| R5,000,000 for 18+ | 7.60% | 6.80% | + 10,068 |
| R5,000,000 for 55+ | 7.60% | 6.95% | + 8,168 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above FNB.
A negative amount means that FNB offers more than Access Bank Plc.
You get a 7.6% interest rate at Access Bank Plc for a R5,000,000 investment in a 3 month fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 6.95%. Over 3 months you will earn R8,168 more in interest at Access Bank Plc compared FNB.
6 month fixed deposit interest rates compared
This table shows Access Bank Plc's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.
| Investment amount | Access Bank Plc1 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.90% | 6.90% | + 52 |
| R10,000 for 55+ | 7.90% | 6.90% | + 52 |
| R100,000 for 18+ | 7.90% | 6.90% | + 516 |
| R100,000 for 55+ | 7.90% | 6.90% | + 516 |
| R250,000 for 18+ | 7.90% | 7.00% | + 1,156 |
| R250,000 for 55+ | 7.90% | 7.00% | + 1,156 |
| R1,000,000 for 18+ | 7.90% | 7.20% | + 3,612 |
| R1,000,000 for 55+ | 7.90% | 7.20% | + 3,612 |
| R5,000,000 for 18+ | 7.90% | 7.20% | + 18,058 |
| R5,000,000 for 55+ | 7.90% | 7.20% | + 18,058 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above FNB.
A negative amount means that FNB offers more than Access Bank Plc.
You get a 7.9% interest rate at Access Bank Plc for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.20%. Over 6 months you will earn R18,058 more in interest at Access Bank Plc compared FNB.
1 year fixed deposit interest rates compared
This table shows Access Bank Plc's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.
| Investment amount | Access Bank Plc1 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.35% | 7.20% | + 124 |
| R10,000 for 55+ | 8.35% | 7.35% | + 108 |
| R100,000 for 18+ | 8.35% | 7.20% | + 1,240 |
| R100,000 for 55+ | 8.35% | 7.35% | + 1,080 |
| R250,000 for 18+ | 8.35% | 7.30% | + 2,825 |
| R250,000 for 55+ | 8.35% | 7.45% | + 2,425 |
| R1,000,000 for 18+ | 8.35% | 7.50% | + 9,200 |
| R1,000,000 for 55+ | 8.35% | 7.65% | + 7,600 |
| R5,000,000 for 18+ | 8.35% | 7.50% | + 46,000 |
| R5,000,000 for 55+ | 8.35% | 7.65% | + 38,000 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above FNB.
A negative amount means that FNB offers more than Access Bank Plc.
You get a 8.35% interest rate at Access Bank Plc for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.65%. Over 12 months you will earn R38,000 more in interest at Access Bank Plc compared FNB.
2 year fixed deposit interest rates compared
This table shows Access Bank Plc's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.
| Investment amount | Access Bank Plc1 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.55% | 7.15% | + 324 |
| R10,000 for 55+ | 8.55% | 7.20% | + 314 |
| R100,000 for 18+ | 8.55% | 7.15% | + 3,244 |
| R100,000 for 55+ | 8.55% | 7.20% | + 3,137 |
| R250,000 for 18+ | 8.55% | 7.25% | + 7,520 |
| R250,000 for 55+ | 8.55% | 7.30% | + 7,251 |
| R1,000,000 for 18+ | 8.55% | 7.45% | + 25,559 |
| R1,000,000 for 55+ | 8.55% | 7.55% | + 23,188 |
| R5,000,000 for 18+ | 8.55% | 7.45% | + 127,794 |
| R5,000,000 for 55+ | 8.55% | 7.55% | + 115,940 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above FNB.
A negative amount means that FNB offers more than Access Bank Plc.
You get a 8.55% interest rate at Access Bank Plc for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.55%. Over 2 years you will earn R115,940 more in interest at Access Bank Plc compared FNB.
3 year fixed deposit interest rates compared
This table shows Access Bank Plc's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.
| Investment amount | Access Bank Plc1 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.65% | 7.15% | + 565 |
| R10,000 for 55+ | 8.65% | 7.20% | + 548 |
| R100,000 for 18+ | 8.65% | 7.15% | + 5,654 |
| R100,000 for 55+ | 8.65% | 7.20% | + 5,481 |
| R250,000 for 18+ | 8.65% | 7.25% | + 13,183 |
| R250,000 for 55+ | 8.65% | 7.30% | + 12,749 |
| R1,000,000 for 18+ | 8.65% | 7.45% | + 45,437 |
| R1,000,000 for 55+ | 8.65% | 7.55% | + 41,605 |
| R5,000,000 for 18+ | 8.65% | 7.45% | + 227,187 |
| R5,000,000 for 55+ | 8.65% | 7.55% | + 208,025 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above FNB.
A negative amount means that FNB offers more than Access Bank Plc.
You get a 8.65% interest rate at Access Bank Plc for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.55%. Over 3 years you will earn R208,025 more in interest at Access Bank Plc compared FNB.
5 year fixed deposit interest rates compared
This table shows Access Bank Plc's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.
| Investment amount | Access Bank Plc1 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 9.20% | 7.80% | + 1,067 |
| R10,000 for 55+ | 9.20% | 7.80% | + 1,067 |
| R100,000 for 18+ | 9.20% | 7.80% | + 10,666 |
| R100,000 for 55+ | 9.20% | 7.80% | + 10,666 |
| R250,000 for 18+ | 9.20% | 7.90% | + 24,785 |
| R250,000 for 55+ | 9.20% | 7.90% | + 24,785 |
| R1,000,000 for 18+ | 9.20% | 8.10% | + 84,010 |
| R1,000,000 for 55+ | 9.20% | 8.15% | + 80,553 |
| R5,000,000 for 18+ | 9.20% | 8.10% | + 420,048 |
| R5,000,000 for 55+ | 9.20% | 8.15% | + 402,766 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above FNB.
A negative amount means that FNB offers more than Access Bank Plc.
You get a 9.2% interest rate at Access Bank Plc for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 8.15%. Over 5 years you will earn R402,766 more in interest at Access Bank Plc compared FNB.
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