Capitec vs Investec

Interest rates compared

Last updated 3rd August 2025 by Walter

Introduction

This fixed deposit comparison page compares Capitec interest rates to Investec interest rates. All the interest rates shown are sourced from the Capitec and Investec 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 Capitec fixed deposit interest rates compare to Investec ?

You are more likely to find better interest rates at Capitec than Investec. Specifically, 75 out of 100 interest rates are better at Capitec than Investec. This means you are more likely to find a better interest rate at Investec 25% 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)

Capitec
8.28%
best rate
Investec
8.04%
best rate

The best interest rate you can get at Capitec is 8.28% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at Investec, the best interest rate you can get is 8.04% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55.

But how do interest rates at Capitec compare to Investec across different terms and investment amounts?

6 month fixed deposit interest rates compared

Capitec vs Investec

This table shows Capitec's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
7.39%
7.02%
+
193
R100,000 for 55+
7.39%
7.17%
+
116
R250,000 for 18+
7.44%
7.02%
+
543
R250,000 for 55+
7.44%
7.17%
+
350
R1,000,000 for 18+
7.53%
7.02%
+
2,652
R1,000,000 for 55+
7.53%
7.17%
+
1,880
R5,000,000 for 18+
7.53%
7.02%
+
13,260
R5,000,000 for 55+
7.53%
7.17%
+
9,399
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec offers more than Capitec.
How to read this table?

You get a 7.53% interest rate at Capitec for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.17%. Over 6 months you will earn R9,399 more in interest at Capitec compared Investec.

1 year fixed deposit interest rates compared

Capitec vs Investec

This table shows Capitec's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
7.49%
7.85%
-
-390
R100,000 for 55+
7.49%
7.95%
-
-500
R250,000 for 18+
7.53%
7.85%
-
-850
R250,000 for 55+
7.53%
7.95%
-
-1,125
R1,000,000 for 18+
7.63%
7.85%
-
-2,400
R1,000,000 for 55+
7.63%
7.95%
-
-3,500
R5,000,000 for 18+
7.63%
7.85%
-
-12,000
R5,000,000 for 55+
7.63%
7.95%
-
-17,500
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec offers more than Capitec.
How to read this table?

You get a 7.63% interest rate at Capitec for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.95%. Over 12 months you will earn R17,500 less in interest at Capitec compared Investec.

2 year fixed deposit interest rates compared

Capitec vs Investec

This table shows Capitec's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
7.58%
7.35%
+
539
R100,000 for 55+
7.58%
7.50%
+
194
R250,000 for 18+
7.63%
7.35%
+
1,616
R250,000 for 55+
7.63%
7.50%
+
755
R1,000,000 for 18+
7.72%
7.35%
+
8,624
R1,000,000 for 55+
7.72%
7.50%
+
5,178
R5,000,000 for 18+
7.72%
7.35%
+
43,120
R5,000,000 for 55+
7.72%
7.50%
+
25,891
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec offers more than Capitec.
How to read this table?

You get a 7.72% interest rate at Capitec for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.50%. Over 2 years you will earn R25,891 more in interest at Capitec compared Investec.

5 year fixed deposit interest rates compared

Capitec vs Investec

This table shows Capitec's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
8.09%
7.89%
+
1,513
R100,000 for 55+
8.09%
8.04%
+
414
R250,000 for 18+
8.19%
7.89%
+
5,511
R250,000 for 55+
8.19%
8.04%
+
2,764
R1,000,000 for 18+
8.28%
7.89%
+
28,985
R1,000,000 for 55+
8.28%
8.04%
+
17,996
R5,000,000 for 18+
8.28%
7.89%
+
144,927
R5,000,000 for 55+
8.28%
8.04%
+
89,981
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec offers more than Capitec.
How to read this table?

You get a 8.28% interest rate at Capitec for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 8.04%. Over 5 years you will earn R89,981 more in interest at Capitec compared Investec.

How do Capitec interest rates compare to other banks?