FNB Interest Rate Review for March 2026

Last updated 1st March 2026 by Walter
7.70%
best rate
8
products
3
account types

Introduction

This page gives you an overview of FNB interest rates for March 2026. FNB offers:

  • Savings accounts. Saving accounts give you quick and easy access to your money.
  • Notice accounts. You will need to give FNB notice before you get access to your money. Interest rates typically higher than your savings account.
  • Fixed deposits. The interest rate for a fixed deposit investment does not fluctuate and is instead fixed throughout your investment period.

The main difference between these three options is ease of access to your money. Savings accounts will provide you with near instant access, but in return you get a lower rate of interest. Notice accounts will provide better interest rates, but you will need to give FNB notice before getting access to your money. Fixed deposits generally pay the best interest, but you commit your money for a fixed term. In case you do need to withdraw, you can still get access before your term is over but will have to pay a penalty.

FNB interest rate overview

Here is a table of interest rates available at FNB. It shows the type of account, deposit and interest rate you can get.

Name Deposit Nominal rate
Savings
FNB Money Maximiser R1 - 50m 0 - 7%
FNB Tax-free Savings R300 6.95%
FNB Savings Account R1 - 100k 5.4 - 6%
Notice accounts
FNB 32 Day Notice R1 - 1m 5.75% - 6.95%
FNB 7 Day Notice R1 - 100k 0% - 6.05%
Fixed deposits
FNB Senior Preferential Fixed Deposit R1k - 1m 3.75% - 7.7%
FNB Senior Fixed Deposit R904 - 1m 3.7% - 7.4%
FNB Fixed Deposit R10k - 1m 5.65% - 7.2%

Savings accounts

FNB offers three types of savings accounts.

Min deposit R1. Highest rate of 7% for balances over R50,000,000.

Min deposit R300.

Min deposit R1. Highest rate of 6% for balances over R100,000.

Remember the primary benefit of a savings account is easy and quick access to your money.

Notice accounts

FNB offers two types of notice accounts.

FNB 32 Day Notice 5.75% - 6.95%

Pays interest from 5.75% up to 6.95% for balances over R1,000,000.

FNB 7 Day Notice 0% - 6.05%

Pays interest from 0% up to 6.05% for balances over R100,000.

Notice accounts pay better interest rates than savings, however, you will need to give notice to the bank before you get access to your money.

Fixed deposits

FNB offers three fixed deposit products.

Min deposit R1,000. Up to 7.7% for deposits over R1,000,000.

Min deposit R904. Up to 7.4% for deposits over R1,000,000.

FNB Fixed Deposit 5.65% - 7.2%

Min deposit R10,000. Up to 7.2% for deposits over R1,000,000.

Fixed deposits typically pay better rates than savings and notice accounts. Your rate is fixed throughout the term.
PS. Check out my FNB fixed deposit review or the FNB fixed deposit calculator to find out how much interest you can earn compared to other banks.