Capitec
vs
Standard Bank
Interest rates compared
Introduction
This fixed deposit comparison page compares Capitec interest rates to Standard Bank interest rates. All the interest rates shown are sourced from the Capitec and Standard Bank 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 Capitec fixed deposit interest rates compare to Standard Bank ?
You are more likely to find better interest rates at Standard Bank than Capitec. Specifically, 44 out of 100 interest rates are better at Capitec than Standard Bank. This means you are more likely to find a better interest rate at Standard Bank 56% 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 7.6% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at Standard Bank, the best interest rate you can get is 8.046511852009797% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 .
But how do interest rates at Capitec compare to Standard Bank across different terms and investment amounts?
6 month fixed deposit interest rates compared
This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.
| Investment amount | Capitec1 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.60% | 5.72% | + 45 |
| R100,000 for 18+ | 6.75% | 6.53% | + 113 |
| R250,000 for 18+ | 6.80% | 6.53% | + 347 |
| R1,000,000 for 18+ | 6.85% | 6.62% | + 1,161 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 6.85% interest rate at Capitec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.62%. Over 6 months you will earn R1,161 more in interest at Capitec compared Standard Bank.
9 month fixed deposit interest rates compared
This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.
| Investment amount | Capitec1 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.65% | 5.72% | + 73 |
| R100,000 for 18+ | 6.80% | 6.79% | + 8 |
| R250,000 for 18+ | 6.85% | 6.79% | + 118 |
| R1,000,000 for 18+ | 6.90% | 6.88% | + 129 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 6.9% interest rate at Capitec for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.88%. Over 9 months you will earn R129 more in interest at Capitec compared Standard Bank.
1 year fixed deposit interest rates compared
This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.
| Investment amount | Capitec1 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.75% | 5.79% | + 101 |
| R100,000 for 18+ | 6.95% | 7.02% | - -72 |
| R250,000 for 18+ | 7.00% | 7.02% | - -47 |
| R1,000,000 for 18+ | 7.05% | 7.11% | - -657 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 7.05% interest rate at Capitec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.11%. Over 12 months you will earn R657 less in interest at Capitec compared Standard Bank.
1.5 year fixed deposit interest rates compared
This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1.5 year fixed deposit.
| Investment amount | Capitec1 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.80% | 6.08% | + 119 |
| R100,000 for 18+ | 7.00% | 7.43% | - -717 |
| R250,000 for 18+ | 7.05% | 7.43% | - -1,585 |
| R1,000,000 for 18+ | 7.10% | 7.43% | - -5,511 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 7.1% interest rate at Capitec for a R1,000,000 investment in a 1.5 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.43%. Over 1.5 years you will earn R5,511 less in interest at Capitec compared Standard Bank.
2 year fixed deposit interest rates compared
This table shows Capitec's and Standard Bank'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 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.85% | 6.12% | + 166 |
| R100,000 for 18+ | 7.05% | 7.53% | - -1,113 |
| R250,000 for 18+ | 7.10% | 7.53% | - -2,497 |
| R1,000,000 for 18+ | 7.15% | 7.53% | - -8,844 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 7.15% interest rate at Capitec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.53%. Over 2 years you will earn R8,844 less in interest at Capitec compared Standard Bank.
3 year fixed deposit interest rates compared
This table shows Capitec's and Standard Bank'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 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.90% | 6.20% | + 254 |
| R100,000 for 18+ | 7.10% | 7.69% | - -2,205 |
| R250,000 for 18+ | 7.15% | 7.69% | - -5,052 |
| R1,000,000 for 18+ | 7.20% | 7.69% | - -18,361 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 7.2% interest rate at Capitec for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.69%. Over 3 years you will earn R18,361 less in interest at Capitec compared Standard Bank.
4 year fixed deposit interest rates compared
This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 4 year fixed deposit.
| Investment amount | Capitec1 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.95% | 6.35% | + 310 |
| R100,000 for 18+ | 7.15% | 7.86% | - -3,810 |
| R250,000 for 18+ | 7.20% | 7.86% | - -8,863 |
| R1,000,000 for 18+ | 7.25% | 7.86% | - -32,801 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 7.25% interest rate at Capitec for a R1,000,000 investment in a 4 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 7.86%. Over 4 years you will earn R32,801 less in interest at Capitec compared Standard Bank.
5 year fixed deposit interest rates compared
This table shows Capitec's and Standard Bank'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 | Standard Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.20% | 6.54% | + 462 |
| R100,000 for 18+ | 7.40% | 8.05% | - -4,720 |
| R250,000 for 18+ | 7.45% | 8.05% | - -10,901 |
| R1,000,000 for 18+ | 7.60% | 8.05% | - -32,758 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
A negative amount means that Standard Bank offers more than Capitec.
You get a 7.6% interest rate at Capitec for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 8.05%. Over 5 years you will earn R32,758 less in interest at Capitec compared Standard Bank.
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