SA Retail Bonds vs Access Bank Plc

Interest rates compared

Last updated 1st April 2026 by Walter

Introduction

This fixed deposit comparison page compares SA Retail Bonds interest rates to Access Bank Plc interest rates. All the interest rates shown are sourced from the SA Retail Bonds and Access Bank Plc 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 SA Retail Bonds fixed deposit interest rates compare to Access Bank Plc ?

You are more likely to find better interest rates at SA Retail Bonds than Access Bank Plc. Specifically, 100 out of 100 interest rates are better at SA Retail Bonds than Access Bank Plc. This means you are more likely to find a better interest rate at Access Bank Plc 0% 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)

SA Retail Bonds
9.25%
best rate
Access Bank Plc
7.75%
best rate

The best interest rate you can get at SA Retail Bonds is 9.25% for the 60-month fixed deposit. You will need a minimum deposit of R1 . Whilst at Access Bank Plc, the best interest rate you can get is 7.75% for the 60-month fixed deposit. You will need a minimum deposit of R0 .

But how do interest rates at SA Retail Bonds compare to Access Bank Plc across different terms and investment amounts?

2 year fixed deposit interest rates compared

SA Retail Bonds vs Access Bank Plc

This table shows SA Retail Bonds's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount SA Retail Bonds1Access Bank Plc1 Winner 2
R10,000 for 18+
8.25%
7.50%
+
142
R100,000 for 18+
8.25%
7.50%
+
1,420
R250,000 for 18+
8.25%
7.50%
+
3,550
R1,000,000 for 18+
8.25%
7.50%
+
14,201
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than SA Retail Bonds.
How to read this table?

You get a 8.25% interest rate at SA Retail Bonds for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.50%. Over 2 years you will earn R14,201 more in interest at SA Retail Bonds compared Access Bank Plc.

3 year fixed deposit interest rates compared

SA Retail Bonds vs Access Bank Plc

This table shows SA Retail Bonds's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.

Investment amount SA Retail Bonds1Access Bank Plc1 Winner 2
R10,000 for 18+
8.75%
7.60%
+
378
R100,000 for 18+
8.75%
7.60%
+
3,776
R250,000 for 18+
8.75%
7.60%
+
9,440
R1,000,000 for 18+
8.75%
7.60%
+
37,759
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than SA Retail Bonds.
How to read this table?

You get a 8.75% interest rate at SA Retail Bonds for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.60%. Over 3 years you will earn R37,759 more in interest at SA Retail Bonds compared Access Bank Plc.

5 year fixed deposit interest rates compared

SA Retail Bonds vs Access Bank Plc

This table shows SA Retail Bonds's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.

Investment amount SA Retail Bonds1Access Bank Plc1 Winner 2
R10,000 for 18+
9.25%
7.75%
+
1,002
R100,000 for 18+
9.25%
7.75%
+
10,019
R250,000 for 18+
9.25%
7.75%
+
25,047
R1,000,000 for 18+
9.25%
7.75%
+
100,187
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than SA Retail Bonds.
How to read this table?

You get a 9.25% interest rate at SA Retail Bonds for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.75%. Over 5 years you will earn R100,187 more in interest at SA Retail Bonds compared Access Bank Plc.

How do SA Retail Bonds interest rates compare to other banks?