SA Retail Bonds
vs
Access Bank Plc
Interest rates compared
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 4th July 2025.
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, 67 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 33% 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 SA Retail Bonds is 10% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 . Whilst at Access Bank Plc, the best interest rate you can get is 9.22% for the 60-month fixed deposit. You will need a minimum deposit of R500 .
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
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 Bonds1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.50% | 8.43% | - -17 |
| R10,000 for 55+ | 8.50% | 8.43% | - -17 |
| R100,000 for 18+ | 8.50% | 8.43% | - -174 |
| R100,000 for 55+ | 8.50% | 8.43% | - -174 |
| R250,000 for 18+ | 8.50% | 8.43% | - -435 |
| R250,000 for 55+ | 8.50% | 8.43% | - -435 |
| R1,000,000 for 18+ | 8.50% | 8.43% | - -1,740 |
| R1,000,000 for 55+ | 8.50% | 8.43% | - -1,740 |
| R5,000,000 for 18+ | 8.50% | 8.43% | - -8,698 |
- 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.
You get a 8.5% interest rate at SA Retail Bonds for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 8.43%. Over 2 years you will earn R8,698 more in interest at SA Retail Bonds compared Access Bank Plc.
3 year fixed deposit interest rates compared
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 Bonds1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.75% | 8.52% | + 28 |
| R10,000 for 55+ | 8.75% | 8.52% | + 28 |
| R100,000 for 18+ | 8.75% | 8.52% | + 285 |
| R100,000 for 55+ | 8.75% | 8.52% | + 285 |
| R250,000 for 18+ | 8.75% | 8.52% | + 712 |
| R250,000 for 55+ | 8.75% | 8.52% | + 712 |
| R1,000,000 for 18+ | 8.75% | 8.52% | + 2,846 |
| R1,000,000 for 55+ | 8.75% | 8.52% | + 2,846 |
| R5,000,000 for 18+ | 8.75% | 8.52% | + 14,231 |
- 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.
You get a 8.75% interest rate at SA Retail Bonds for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 8.52%. Over 3 years you will earn R14,231 more in interest at SA Retail Bonds compared Access Bank Plc.
5 year fixed deposit interest rates compared
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 Bonds1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 10.00% | 9.22% | + 460 |
| R10,000 for 55+ | 10.00% | 9.22% | + 460 |
| R100,000 for 18+ | 10.00% | 9.22% | + 4,601 |
| R100,000 for 55+ | 10.00% | 9.22% | + 4,601 |
| R250,000 for 18+ | 10.00% | 9.22% | + 11,503 |
| R250,000 for 55+ | 10.00% | 9.22% | + 11,503 |
| R1,000,000 for 18+ | 10.00% | 9.22% | + 46,011 |
| R1,000,000 for 55+ | 10.00% | 9.22% | + 46,011 |
| R5,000,000 for 18+ | 10.00% | 9.22% | + 230,055 |
- 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.
You get a 10% interest rate at SA Retail Bonds for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 9.22%. Over 5 years you will earn R230,055 more in interest at SA Retail Bonds compared Access Bank Plc.
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