SA Retail Bonds
vs
Capitec
Interest rates compared
Introduction
This fixed deposit comparison page compares SA Retail Bonds interest rates to Capitec interest rates. All the interest rates shown are sourced from the SA Retail Bonds and Capitec 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 Capitec ?
You are more likely to find better interest rates at SA Retail Bonds than Capitec. Specifically, 100 out of 100 interest rates are better at SA Retail Bonds than Capitec. This means you are more likely to find a better interest rate at Capitec 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)
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 Capitec, the best interest rate you can get is 8.28% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .
But how do interest rates at SA Retail Bonds compare to Capitec across different terms and investment amounts?
2 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and Capitec'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 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.50% | 7.53% | + 191 |
| R10,000 for 55+ | 8.50% | 7.53% | + 191 |
| R100,000 for 18+ | 8.50% | 7.58% | + 1,797 |
| R100,000 for 55+ | 8.50% | 7.58% | + 1,797 |
| R250,000 for 18+ | 8.50% | 7.63% | + 4,223 |
| R250,000 for 55+ | 8.50% | 7.63% | + 4,223 |
| R1,000,000 for 18+ | 8.50% | 7.72% | + 14,734 |
| R1,000,000 for 55+ | 8.50% | 7.72% | + 14,734 |
| R5,000,000 for 18+ | 8.50% | 7.72% | + 73,671 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above Capitec.
A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 7.72%. Over 2 years you will earn R73,671 more in interest at SA Retail Bonds compared Capitec.
3 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and Capitec'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 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.75% | 7.58% | + 384 |
| R10,000 for 55+ | 8.75% | 7.58% | + 384 |
| R100,000 for 18+ | 8.75% | 7.63% | + 3,668 |
| R100,000 for 55+ | 8.75% | 7.63% | + 3,668 |
| R250,000 for 18+ | 8.75% | 7.67% | + 8,732 |
| R250,000 for 55+ | 8.75% | 7.67% | + 8,732 |
| R1,000,000 for 18+ | 8.75% | 7.77% | + 31,429 |
| R1,000,000 for 55+ | 8.75% | 7.77% | + 31,429 |
| R5,000,000 for 18+ | 8.75% | 7.77% | + 157,146 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above Capitec.
A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 7.77%. Over 3 years you will earn R157,146 more in interest at SA Retail Bonds compared Capitec.
5 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and Capitec'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 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 10.00% | 8.00% | + 1,390 |
| R10,000 for 55+ | 10.00% | 8.00% | + 1,390 |
| R100,000 for 18+ | 10.00% | 8.09% | + 13,215 |
| R100,000 for 55+ | 10.00% | 8.09% | + 13,215 |
| R250,000 for 18+ | 10.00% | 8.19% | + 31,309 |
| R250,000 for 55+ | 10.00% | 8.19% | + 31,309 |
| R1,000,000 for 18+ | 10.00% | 8.28% | + 118,296 |
| R1,000,000 for 55+ | 10.00% | 8.28% | + 118,296 |
| R5,000,000 for 18+ | 10.00% | 8.28% | + 591,479 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above Capitec.
A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 8.28%. Over 5 years you will earn R591,479 more in interest at SA Retail Bonds compared Capitec.
- SA Retail Bonds vs Absa interest rates compared
- SA Retail Bonds vs Access Bank Plc interest rates compared
- SA Retail Bonds vs African Bank interest rates compared
- SA Retail Bonds vs Bidvest interest rates compared
- SA Retail Bonds vs Capitec interest rates compared
- SA Retail Bonds vs Discovery interest rates compared
- SA Retail Bonds vs FNB interest rates compared
- SA Retail Bonds vs Fedgroup interest rates compared
- SA Retail Bonds vs Investec interest rates compared
- SA Retail Bonds vs Nedbank interest rates compared
- SA Retail Bonds vs Sasfin interest rates compared
- SA Retail Bonds vs Standard Bank interest rates compared
- SA Retail Bonds vs TymeBank interest rates compared