FNB
vs
Investec
Interest rates compared
Introduction
This fixed deposit comparison page compares FNB interest rates to Investec interest rates. All the interest rates shown are sourced from the FNB 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 FNB fixed deposit interest rates compare to Investec ?
You are more likely to find better interest rates at Investec than FNB. Specifically, 35 out of 100 interest rates are better at FNB than Investec. This means you are more likely to find a better interest rate at Investec 65% 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 FNB 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. 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 FNB compare to Investec across different terms and investment amounts?
3 month fixed deposit interest rates compared
This table shows FNB's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.
| Investment amount | FNB1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 6.50% | 6.41% | + 24 |
| R250,000 for 18+ | 6.60% | 6.61% | - -6 |
| R1,000,000 for 18+ | 6.80% | 6.86% | - -143 |
| R5,000,000 for 18+ | 6.80% | 6.86% | - -713 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above Investec.
A negative amount means that Investec offers more than FNB.
You get a 6.8% interest rate at FNB for a R5,000,000 investment in a 3 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 6.86%. Over 3 months you will earn R713 less in interest at FNB compared Investec.
6 month fixed deposit interest rates compared
This table shows FNB'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 | FNB1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 6.90% | 7.02% | - -63 |
| R100,000 for 55+ | 6.90% | 7.17% | - -140 |
| R100,000 for 55+ | 6.85% | 7.17% | - -164 |
| R100,000 for 55+ | 6.85% | 7.17% | - -164 |
| R250,000 for 18+ | 7.00% | 7.02% | - -24 |
| R250,000 for 55+ | 7.00% | 7.17% | - -217 |
| R250,000 for 55+ | 6.95% | 7.17% | - -278 |
| R250,000 for 55+ | 6.95% | 7.17% | - -278 |
| R1,000,000 for 18+ | 7.20% | 7.02% | + 917 |
| R1,000,000 for 55+ | 7.20% | 7.17% | + 145 |
| R1,000,000 for 55+ | 7.20% | 7.17% | + 145 |
| R1,000,000 for 55+ | 7.20% | 7.17% | + 145 |
| R5,000,000 for 18+ | 7.20% | 7.02% | + 4,585 |
| R5,000,000 for 55+ | 7.20% | 7.17% | + 724 |
| R5,000,000 for 55+ | 7.20% | 7.17% | + 724 |
| R5,000,000 for 55+ | 7.20% | 7.17% | + 724 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above Investec.
A negative amount means that Investec offers more than FNB.
You get a 7.2% interest rate at FNB 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 R724 more in interest at FNB compared Investec.
1 year fixed deposit interest rates compared
This table shows FNB'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 | FNB1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.20% | 7.85% | - -700 |
| R100,000 for 55+ | 7.35% | 7.95% | - -650 |
| R100,000 for 55+ | 7.35% | 7.95% | - -650 |
| R100,000 for 55+ | 7.20% | 7.95% | - -810 |
| R250,000 for 18+ | 7.30% | 7.85% | - -1,475 |
| R250,000 for 55+ | 7.45% | 7.95% | - -1,350 |
| R250,000 for 55+ | 7.45% | 7.95% | - -1,350 |
| R250,000 for 55+ | 7.30% | 7.95% | - -1,750 |
| R1,000,000 for 18+ | 7.50% | 7.85% | - -3,800 |
| R1,000,000 for 55+ | 7.65% | 7.95% | - -3,300 |
| R1,000,000 for 55+ | 7.65% | 7.95% | - -3,300 |
| R1,000,000 for 55+ | 7.50% | 7.95% | - -4,900 |
| R5,000,000 for 18+ | 7.50% | 7.85% | - -19,000 |
| R5,000,000 for 55+ | 7.65% | 7.95% | - -16,500 |
| R5,000,000 for 55+ | 7.65% | 7.95% | - -16,500 |
| R5,000,000 for 55+ | 7.50% | 7.95% | - -24,500 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above Investec.
A negative amount means that Investec offers more than FNB.
You get a 7.5% interest rate at FNB 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 R24,500 less in interest at FNB compared Investec.
2 year fixed deposit interest rates compared
This table shows FNB'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 | FNB1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.15% | 7.35% | - -451 |
| R100,000 for 55+ | 7.20% | 7.50% | - -689 |
| R100,000 for 55+ | 7.20% | 7.50% | - -689 |
| R100,000 for 55+ | 7.15% | 7.50% | - -796 |
| R250,000 for 18+ | 7.25% | 7.35% | - -538 |
| R250,000 for 55+ | 7.30% | 7.50% | - -1,130 |
| R250,000 for 55+ | 7.30% | 7.50% | - -1,130 |
| R250,000 for 55+ | 7.25% | 7.50% | - -1,399 |
| R1,000,000 for 18+ | 7.45% | 7.35% | + 2,368 |
| R1,000,000 for 55+ | 7.55% | 7.50% | + 1,293 |
| R1,000,000 for 55+ | 7.55% | 7.50% | + 1,293 |
| R1,000,000 for 55+ | 7.45% | 7.50% | - -1,077 |
| R5,000,000 for 18+ | 7.45% | 7.35% | + 11,842 |
| R5,000,000 for 55+ | 7.55% | 7.50% | + 6,467 |
| R5,000,000 for 55+ | 7.55% | 7.50% | + 6,467 |
| R5,000,000 for 55+ | 7.45% | 7.50% | - -5,387 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above Investec.
A negative amount means that Investec offers more than FNB.
You get a 7.45% interest rate at FNB 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 R5,387 less in interest at FNB compared Investec.
5 year fixed deposit interest rates compared
This table shows FNB'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 | FNB1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.80% | 7.89% | - -684 |
| R100,000 for 55+ | 7.80% | 8.04% | - -1,782 |
| R100,000 for 55+ | 7.80% | 8.04% | - -1,782 |
| R100,000 for 55+ | 7.80% | 8.04% | - -1,782 |
| R250,000 for 18+ | 7.90% | 7.89% | + 171 |
| R250,000 for 55+ | 7.90% | 8.04% | - -2,576 |
| R250,000 for 55+ | 7.90% | 8.04% | - -2,576 |
| R250,000 for 55+ | 7.90% | 8.04% | - -2,576 |
| R1,000,000 for 18+ | 8.10% | 7.89% | + 15,817 |
| R1,000,000 for 55+ | 8.15% | 8.04% | + 8,285 |
| R1,000,000 for 55+ | 8.15% | 8.04% | + 8,285 |
| R1,000,000 for 55+ | 8.10% | 8.04% | + 4,828 |
| R5,000,000 for 18+ | 8.10% | 7.89% | + 79,087 |
| R5,000,000 for 55+ | 8.15% | 8.04% | + 41,423 |
| R5,000,000 for 55+ | 8.15% | 8.04% | + 41,423 |
| R5,000,000 for 55+ | 8.10% | 8.04% | + 24,141 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above Investec.
A negative amount means that Investec offers more than FNB.
You get a 8.1% interest rate at FNB 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 R24,141 more in interest at FNB compared Investec.
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