Access Bank Plc
vs
Nedbank
Interest rates compared
Introduction
This fixed deposit comparison page compares Access Bank Plc interest rates to Nedbank interest rates. All the interest rates shown are sourced from the Access Bank Plc and Nedbank 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 Nedbank ?
You are more likely to find better interest rates at Access Bank Plc than Nedbank. Specifically, 90 out of 100 interest rates are better at Access Bank Plc than Nedbank. This means you are more likely to find a better interest rate at Nedbank 10% 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 Nedbank, the best interest rate you can get is 8.65% for the 60-month fixed deposit. You will need a minimum deposit of R250,000 and be over the age of 55.
But how do interest rates at Access Bank Plc compare to Nedbank across different terms and investment amounts?
3 month fixed deposit interest rates compared
This table shows Access Bank Plc's and Nedbank'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 | Nedbank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.60% | 7.20% | + 10 |
| R10,000 for 55+ | 7.60% | 7.20% | + 10 |
| R100,000 for 18+ | 7.60% | 7.50% | + 26 |
| R100,000 for 55+ | 7.60% | 7.50% | + 26 |
| R250,000 for 18+ | 7.60% | 7.60% | - 0 |
| R250,000 for 55+ | 7.60% | 7.60% | - 0 |
| R1,000,000 for 18+ | 7.60% | 7.60% | - 0 |
| R1,000,000 for 55+ | 7.60% | 7.60% | - 0 |
| R5,000,000 for 18+ | 7.60% | 7.60% | - 0 |
| R5,000,000 for 55+ | 7.60% | 7.60% | - 0 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Nedbank.
A negative amount means that Nedbank 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). Nedbank's interest rate for the same terms is 7.60%. Over 3 months you will earn R0 less in interest at Access Bank Plc compared Nedbank.
6 month fixed deposit interest rates compared
This table shows Access Bank Plc's and Nedbank'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 | Nedbank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.90% | 7.40% | + 26 |
| R10,000 for 55+ | 7.90% | 7.40% | + 26 |
| R100,000 for 18+ | 7.90% | 7.70% | + 101 |
| R100,000 for 55+ | 7.90% | 7.70% | + 101 |
| R250,000 for 18+ | 7.90% | 7.80% | + 132 |
| R250,000 for 55+ | 7.90% | 7.80% | + 132 |
| R1,000,000 for 18+ | 7.90% | 7.80% | + 529 |
| R1,000,000 for 55+ | 7.90% | 7.80% | + 529 |
| R5,000,000 for 18+ | 7.90% | 7.80% | + 2,645 |
| R5,000,000 for 55+ | 7.90% | 7.80% | + 2,645 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Nedbank.
A negative amount means that Nedbank 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). Nedbank's interest rate for the same terms is 7.80%. Over 6 months you will earn R2,645 more in interest at Access Bank Plc compared Nedbank.
1 year fixed deposit interest rates compared
This table shows Access Bank Plc's and Nedbank'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 | Nedbank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.35% | 7.55% | + 86 |
| R10,000 for 55+ | 8.35% | 7.55% | + 86 |
| R100,000 for 18+ | 8.35% | 7.95% | + 430 |
| R100,000 for 55+ | 8.35% | 7.95% | + 430 |
| R250,000 for 18+ | 8.35% | 8.05% | + 825 |
| R250,000 for 55+ | 8.35% | 8.05% | + 825 |
| R1,000,000 for 18+ | 8.35% | 8.05% | + 3,300 |
| R1,000,000 for 55+ | 8.35% | 8.05% | + 3,300 |
| R5,000,000 for 18+ | 8.35% | 8.05% | + 16,500 |
| R5,000,000 for 55+ | 8.35% | 8.05% | + 16,500 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Nedbank.
A negative amount means that Nedbank 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). Nedbank's interest rate for the same terms is 8.05%. Over 12 months you will earn R16,500 more in interest at Access Bank Plc compared Nedbank.
2 year fixed deposit interest rates compared
This table shows Access Bank Plc's and Nedbank'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 | Nedbank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.55% | 7.55% | + 232 |
| R10,000 for 55+ | 8.55% | 7.55% | + 232 |
| R100,000 for 18+ | 8.55% | 7.85% | + 1,628 |
| R100,000 for 55+ | 8.55% | 7.85% | + 1,628 |
| R250,000 for 18+ | 8.55% | 7.95% | + 3,474 |
| R250,000 for 55+ | 8.55% | 7.95% | + 3,474 |
| R1,000,000 for 18+ | 8.55% | 7.95% | + 13,897 |
| R1,000,000 for 55+ | 8.55% | 7.95% | + 13,897 |
| R5,000,000 for 18+ | 8.55% | 7.95% | + 69,485 |
| R5,000,000 for 55+ | 8.55% | 7.95% | + 69,485 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Nedbank.
A negative amount means that Nedbank 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). Nedbank's interest rate for the same terms is 7.95%. Over 2 years you will earn R69,485 more in interest at Access Bank Plc compared Nedbank.
3 year fixed deposit interest rates compared
This table shows Access Bank Plc's and Nedbank'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 | Nedbank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.65% | 7.60% | + 399 |
| R10,000 for 55+ | 8.65% | 7.60% | + 399 |
| R100,000 for 18+ | 8.65% | 7.90% | + 2,866 |
| R100,000 for 55+ | 8.65% | 7.90% | + 2,866 |
| R250,000 for 18+ | 8.65% | 8.00% | + 6,198 |
| R250,000 for 55+ | 8.65% | 8.00% | + 6,198 |
| R1,000,000 for 18+ | 8.65% | 8.00% | + 24,790 |
| R1,000,000 for 55+ | 8.65% | 8.00% | + 24,790 |
| R5,000,000 for 18+ | 8.65% | 8.00% | + 123,951 |
| R5,000,000 for 55+ | 8.65% | 8.00% | + 123,951 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Nedbank.
A negative amount means that Nedbank 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). Nedbank's interest rate for the same terms is 8.00%. Over 3 years you will earn R123,951 more in interest at Access Bank Plc compared Nedbank.
5 year fixed deposit interest rates compared
This table shows Access Bank Plc's and Nedbank'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 | Nedbank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 9.20% | 8.35% | + 653 |
| R10,000 for 55+ | 9.20% | 8.35% | + 653 |
| R100,000 for 18+ | 9.20% | 8.50% | + 5,408 |
| R100,000 for 55+ | 9.20% | 8.50% | + 5,408 |
| R250,000 for 18+ | 9.20% | 8.50% | + 13,519 |
| R250,000 for 55+ | 9.20% | 8.65% | + 10,704 |
| R1,000,000 for 18+ | 9.20% | 8.60% | + 46,342 |
| R1,000,000 for 55+ | 9.20% | 8.65% | + 42,816 |
| R5,000,000 for 18+ | 9.20% | 8.60% | + 231,710 |
| R5,000,000 for 55+ | 9.20% | 8.65% | + 214,081 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Nedbank.
A negative amount means that Nedbank 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). Nedbank's interest rate for the same terms is 8.65%. Over 5 years you will earn R214,081 more in interest at Access Bank Plc compared Nedbank.
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