FNB
vs
SA Retail Bonds
Interest rates compared
Introduction
This fixed deposit comparison page compares FNB interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the FNB 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 FNB fixed deposit interest rates compare to SA Retail Bonds ?
You are more likely to find better interest rates at SA Retail Bonds than FNB. Specifically, 0 out of 100 interest rates are better at FNB 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 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 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 FNB compare to SA Retail Bonds across different terms and investment amounts?
2 year fixed deposit interest rates compared
This table shows FNB'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 | FNB1 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.15% | 8.25% | - -222 |
| R10,000 for 55+ | 7.20% | 8.25% | - -212 |
| R10,000 for 55+ | 7.20% | 8.25% | - -212 |
| R10,000 for 55+ | 7.15% | 8.25% | - -222 |
| R100,000 for 18+ | 7.15% | 8.25% | - -2,223 |
| R100,000 for 55+ | 7.20% | 8.25% | - -2,115 |
| R100,000 for 55+ | 7.20% | 8.25% | - -2,115 |
| R100,000 for 55+ | 7.15% | 8.25% | - -2,223 |
| R250,000 for 18+ | 7.25% | 8.25% | - -4,966 |
| R250,000 for 55+ | 7.30% | 8.25% | - -4,697 |
| R250,000 for 55+ | 7.30% | 8.25% | - -4,697 |
| R250,000 for 55+ | 7.25% | 8.25% | - -4,966 |
| R1,000,000 for 18+ | 7.45% | 8.25% | - -15,345 |
| R1,000,000 for 55+ | 7.55% | 8.25% | - -12,974 |
| R1,000,000 for 55+ | 7.55% | 8.25% | - -12,974 |
| R1,000,000 for 55+ | 7.45% | 8.25% | - -15,345 |
| R5,000,000 for 18+ | 7.45% | 8.25% | - -76,726 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds 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 18). SA Retail Bonds's interest rate for the same terms is 8.25%. Over 2 years you will earn R76,726 less in interest at FNB compared SA Retail Bonds.
3 year fixed deposit interest rates compared
This table shows FNB'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 | FNB1 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.15% | 8.50% | - -452 |
| R10,000 for 55+ | 7.20% | 8.50% | - -434 |
| R10,000 for 55+ | 7.20% | 8.50% | - -434 |
| R10,000 for 55+ | 7.15% | 8.50% | - -452 |
| R100,000 for 18+ | 7.15% | 8.50% | - -4,517 |
| R100,000 for 55+ | 7.20% | 8.50% | - -4,344 |
| R100,000 for 55+ | 7.20% | 8.50% | - -4,344 |
| R100,000 for 55+ | 7.15% | 8.50% | - -4,517 |
| R250,000 for 18+ | 7.25% | 8.50% | - -10,340 |
| R250,000 for 55+ | 7.30% | 8.50% | - -9,906 |
| R250,000 for 55+ | 7.30% | 8.50% | - -9,906 |
| R250,000 for 55+ | 7.25% | 8.50% | - -10,340 |
| R1,000,000 for 18+ | 7.45% | 8.50% | - -34,065 |
| R1,000,000 for 55+ | 7.55% | 8.50% | - -30,233 |
| R1,000,000 for 55+ | 7.55% | 8.50% | - -30,233 |
| R1,000,000 for 55+ | 7.45% | 8.50% | - -34,065 |
| R5,000,000 for 18+ | 7.45% | 8.50% | - -170,326 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds offers more than FNB.
You get a 7.45% interest rate at FNB 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 R170,326 less in interest at FNB compared SA Retail Bonds.
5 year fixed deposit interest rates compared
This table shows FNB'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 | FNB1 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.80% | 9.25% | - -966 |
| R10,000 for 55+ | 7.80% | 9.25% | - -966 |
| R10,000 for 55+ | 7.80% | 9.25% | - -966 |
| R10,000 for 55+ | 7.80% | 9.25% | - -966 |
| R100,000 for 18+ | 7.80% | 9.25% | - -9,659 |
| R100,000 for 55+ | 7.80% | 9.25% | - -9,659 |
| R100,000 for 55+ | 7.80% | 9.25% | - -9,659 |
| R100,000 for 55+ | 7.80% | 9.25% | - -9,659 |
| R250,000 for 18+ | 7.90% | 9.25% | - -22,267 |
| R250,000 for 55+ | 7.90% | 9.25% | - -22,267 |
| R250,000 for 55+ | 7.90% | 9.25% | - -22,267 |
| R250,000 for 55+ | 7.90% | 9.25% | - -22,267 |
| R1,000,000 for 18+ | 8.10% | 9.25% | - -73,935 |
| R1,000,000 for 55+ | 8.15% | 9.25% | - -70,479 |
| R1,000,000 for 55+ | 8.15% | 9.25% | - -70,479 |
| R1,000,000 for 55+ | 8.10% | 9.25% | - -73,935 |
| R5,000,000 for 18+ | 8.10% | 9.25% | - -369,674 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at FNB over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds 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 18). SA Retail Bonds's interest rate for the same terms is 9.25%. Over 5 years you will earn R369,674 less in interest at FNB compared SA Retail Bonds.
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