Standard Bank vs FNB

Interest rates compared

Last updated 1st April 2026 by Walter

Introduction

This fixed deposit comparison page compares Standard Bank interest rates to FNB interest rates. All the interest rates shown are sourced from the Standard Bank and FNB 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 Standard Bank fixed deposit interest rates compare to FNB ?

You are more likely to find better interest rates at Standard Bank than FNB. Specifically, 75 out of 100 interest rates are better at Standard Bank than FNB. This means you are more likely to find a better interest rate at FNB 25% 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)

Standard Bank
8.05%
best rate
FNB
7.20%
best rate

The best interest rate you can get at Standard Bank is 8.046511852009797% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at FNB, the best interest rate you can get is 7.2% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .

But how do interest rates at Standard Bank compare to FNB across different terms and investment amounts?

1 month fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 month fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
5.63%
5.65%
-
0
R100,000 for 18+
6.32%
5.65%
+
56
R250,000 for 18+
6.32%
5.75%
+
118
R1,000,000 for 18+
6.41%
6.00%
+
344
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 6.413098682532592% interest rate at Standard Bank for a R1,000,000 investment in a 1 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.00%. Over 1 months you will earn R344 more in interest at Standard Bank compared FNB.

3 month fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
5.70%
5.90%
-
-5
R100,000 for 18+
6.35%
5.90%
+
115
R250,000 for 18+
6.35%
6.00%
+
223
R1,000,000 for 18+
6.45%
6.20%
+
627
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 6.447986184283039% interest rate at Standard Bank for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.20%. Over 3 months you will earn R627 more in interest at Standard Bank compared FNB.

6 month fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
5.72%
6.15%
-
-22
R100,000 for 18+
6.53%
6.15%
+
195
R250,000 for 18+
6.53%
6.25%
+
359
R1,000,000 for 18+
6.62%
6.45%
+
895
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 6.6241399328042405% interest rate at Standard Bank for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.45%. Over 6 months you will earn R895 more in interest at Standard Bank compared FNB.

9 month fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
5.72%
6.25%
-
-42
R100,000 for 18+
6.79%
6.25%
+
423
R250,000 for 18+
6.79%
6.35%
+
861
R1,000,000 for 18+
6.88%
6.55%
+
2,616
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 6.883615794356235% interest rate at Standard Bank for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.55%. Over 9 months you will earn R2,616 more in interest at Standard Bank compared FNB.

1 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
5.79%
6.50%
-
-75
R100,000 for 18+
7.02%
6.50%
+
551
R250,000 for 18+
7.02%
6.60%
+
1,112
R1,000,000 for 18+
7.11%
6.80%
+
3,320
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.111560486646251% interest rate at Standard Bank for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.80%. Over 12 months you will earn R3,320 more in interest at Standard Bank compared FNB.

2 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
6.12%
6.40%
-
-64
R100,000 for 18+
7.53%
6.40%
+
2,592
R250,000 for 18+
7.53%
6.50%
+
5,914
R1,000,000 for 18+
7.53%
6.70%
+
19,117
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.534301082272776% interest rate at Standard Bank for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.70%. Over 2 years you will earn R19,117 more in interest at Standard Bank compared FNB.

3 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
6.20%
6.50%
-
-108
R100,000 for 18+
7.69%
6.50%
+
4,399
R250,000 for 18+
7.69%
6.60%
+
10,090
R1,000,000 for 18+
7.69%
6.80%
+
33,070
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.6928760712593025% interest rate at Standard Bank for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.80%. Over 3 years you will earn R33,070 more in interest at Standard Bank compared FNB.

4 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 4 year fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
6.35%
6.55%
-
-102
R100,000 for 18+
7.86%
6.55%
+
6,946
R250,000 for 18+
7.86%
6.65%
+
16,071
R1,000,000 for 18+
7.86%
6.85%
+
53,872
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.8605297331456825% interest rate at Standard Bank for a R1,000,000 investment in a 4 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.85%. Over 4 years you will earn R53,872 more in interest at Standard Bank compared FNB.

5 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
6.54%
6.90%
-
-250
R100,000 for 18+
8.05%
6.90%
+
8,270
R250,000 for 18+
8.05%
7.00%
+
18,917
R1,000,000 for 18+
8.05%
7.20%
+
61,503
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 8.046511852009797% interest rate at Standard Bank for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 7.20%. Over 5 years you will earn R61,503 more in interest at Standard Bank compared FNB.

How do Standard Bank interest rates compare to other banks?