Capitec
vs
SA Retail Bonds
Interest rates compared
Introduction
This fixed deposit comparison page compares Capitec interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the Capitec 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 4th August 2025.
How do Capitec fixed deposit interest rates compare to SA Retail Bonds ?
You are more likely to find better interest rates at SA Retail Bonds than Capitec. Specifically, 0 out of 100 interest rates are better at Capitec 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)
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 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 R1,000 .
But how do interest rates at Capitec compare to SA Retail Bonds across different terms and investment amounts?
2 year fixed deposit interest rates compared
This table shows Capitec'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 | Capitec1 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.53% | 8.25% | - -134 |
| R10,000 for 55+ | 7.53% | 8.25% | - -134 |
| R100,000 for 18+ | 7.58% | 8.25% | - -1,233 |
| R100,000 for 55+ | 7.58% | 8.25% | - -1,233 |
| R250,000 for 18+ | 7.63% | 8.25% | - -2,812 |
| R250,000 for 55+ | 7.63% | 8.25% | - -2,812 |
| R1,000,000 for 18+ | 7.72% | 8.25% | - -9,090 |
| R1,000,000 for 55+ | 7.72% | 8.25% | - -9,090 |
| R5,000,000 for 18+ | 7.72% | 8.25% | - -45,448 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds offers more than Capitec.
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 18). SA Retail Bonds's interest rate for the same terms is 8.25%. Over 2 years you will earn R45,448 less in interest at Capitec compared SA Retail Bonds.
3 year fixed deposit interest rates compared
This table shows Capitec'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 | Capitec1 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.58% | 8.50% | - -292 |
| R10,000 for 55+ | 7.58% | 8.50% | - -292 |
| R100,000 for 18+ | 7.63% | 8.50% | - -2,744 |
| R100,000 for 55+ | 7.63% | 8.50% | - -2,744 |
| R250,000 for 18+ | 7.67% | 8.50% | - -6,423 |
| R250,000 for 55+ | 7.67% | 8.50% | - -6,423 |
| R1,000,000 for 18+ | 7.77% | 8.50% | - -22,194 |
| R1,000,000 for 55+ | 7.77% | 8.50% | - -22,194 |
| R5,000,000 for 18+ | 7.77% | 8.50% | - -110,971 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds offers more than Capitec.
You get a 7.77% interest rate at Capitec for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 8.50%. Over 3 years you will earn R110,971 less in interest at Capitec compared SA Retail Bonds.
5 year fixed deposit interest rates compared
This table shows Capitec'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 | Capitec1 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.00% | 9.25% | - -815 |
| R10,000 for 55+ | 8.00% | 9.25% | - -815 |
| R100,000 for 18+ | 8.09% | 9.25% | - -7,463 |
| R100,000 for 55+ | 8.09% | 9.25% | - -7,463 |
| R250,000 for 18+ | 8.19% | 9.25% | - -16,927 |
| R250,000 for 55+ | 8.19% | 9.25% | - -16,927 |
| R1,000,000 for 18+ | 8.28% | 9.25% | - -60,767 |
| R1,000,000 for 55+ | 8.28% | 9.25% | - -60,767 |
| R5,000,000 for 18+ | 8.28% | 9.25% | - -303,834 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds offers more than Capitec.
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 18). SA Retail Bonds's interest rate for the same terms is 9.25%. Over 5 years you will earn R303,834 less in interest at Capitec compared SA Retail Bonds.
- Capitec vs Absa interest rates compared
- Capitec vs Access Bank Plc interest rates compared
- Capitec vs African Bank interest rates compared
- Capitec vs Bidvest interest rates compared
- Capitec vs Discovery interest rates compared
- Capitec vs FNB interest rates compared
- Capitec vs Fedgroup interest rates compared
- Capitec vs Investec interest rates compared
- Capitec vs Nedbank interest rates compared
- Capitec vs SA Retail Bonds interest rates compared
- Capitec vs Sasfin interest rates compared
- Capitec vs Standard Bank interest rates compared
- Capitec vs TymeBank interest rates compared