Standard Bank Fixed Deposit Review for July 2025
Introduction
This page summarises all the fixed deposits offered by Standard Bank. All the rates shown are sourced from the Standard Bank website - standardbank.co.za. All rates shown on this page have been converted to nominal and effective annual rates! This allows you to compare rates across all banks. Yippee!
The Standard Bank fixed deposit interest calculator, allows you to calculate how much interest you will earn for your age, investment amount and term.
Standard Bank fixed deposits highlights
last updated 1st July 2025 by Walter
Here are Standard Bank's best fixed deposit rates
The best interest rate you can get at Standard Bank is 8.16% for the 60-month fixed deposit. You will need a minimum deposit of R10,000 and be over the age of 55.
Here are Standard Bank's five best fixed deposit interest rates:
| # | Min deposit | Term | Nominal | Effective |
|---|
Standard Bank 3 month fixed deposit
This table shows Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 6.49% | 7.26% | - -19 |
| R10,000 for 55+ | 6.99% | 7.22% | - -6 |
| R100,000 for 18+ | 7.04% | 7.26% | - -57 |
| R100,000 for 55+ | 7.04% | 7.29% | - -63 |
| R250,000 for 18+ | 7.04% | 7.27% | - -147 |
| R250,000 for 55+ | 7.04% | 7.35% | - -197 |
| R1,000,000 for 18+ | 7.13% | 7.35% | - -552 |
| R1,000,000 for 55+ | 7.13% | 7.42% | - -742 |
| R5,000,000 for 18+ | 7.21% | 7.36% | - -1,930 |
| R5,000,000 for 55+ | 7.21% | 7.40% | - -2,471 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 6.49% | 7.26% | - -19 |
| R10,000 for 55+ | 6.99% | 7.22% | - -6 |
| R100,000 for 18+ | 7.04% | 7.26% | - -57 |
| R100,000 for 55+ | 7.04% | 7.29% | - -63 |
| R250,000 for 18+ | 7.04% | 7.27% | - -147 |
| R250,000 for 55+ | 7.04% | 7.35% | - -197 |
| R1,000,000 for 18+ | 7.13% | 7.35% | - -552 |
| R1,000,000 for 55+ | 7.13% | 7.42% | - -742 |
| R5,000,000 for 18+ | 7.21% | 7.36% | - -1,930 |
| R5,000,000 for 55+ | 7.21% | 7.40% | - -2,471 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Standard Bank.
You get a 6.49% interest rate at Standard Bank for a R10,000 investment in a 3 month fixed deposit (if you are older than 18). The industry average is 7.26%. Over 3 months you will earn R19 less in interest at Standard Bank compared to the average bank.
Standard Bank 6 month fixed deposit
This table shows Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 6.49% | 7.57% | - -55 |
| R10,000 for 55+ | 6.99% | 7.47% | - -25 |
| R100,000 for 18+ | 7.05% | 7.52% | - -243 |
| R100,000 for 55+ | 7.05% | 7.53% | - -251 |
| R250,000 for 18+ | 7.05% | 7.50% | - -584 |
| R250,000 for 55+ | 7.05% | 7.58% | - -690 |
| R1,000,000 for 18+ | 7.14% | 7.56% | - -2,143 |
| R1,000,000 for 55+ | 7.14% | 7.65% | - -2,598 |
| R5,000,000 for 18+ | 7.22% | 7.59% | - -9,610 |
| R5,000,000 for 55+ | 7.22% | 7.63% | - -10,689 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 6.49% | 7.57% | - -55 |
| R10,000 for 55+ | 6.99% | 7.47% | - -25 |
| R100,000 for 18+ | 7.05% | 7.52% | - -243 |
| R100,000 for 55+ | 7.05% | 7.53% | - -251 |
| R250,000 for 18+ | 7.05% | 7.50% | - -584 |
| R250,000 for 55+ | 7.05% | 7.58% | - -690 |
| R1,000,000 for 18+ | 7.14% | 7.56% | - -2,143 |
| R1,000,000 for 55+ | 7.14% | 7.65% | - -2,598 |
| R5,000,000 for 18+ | 7.22% | 7.59% | - -9,610 |
| R5,000,000 for 55+ | 7.22% | 7.63% | - -10,689 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Standard Bank.
You get a 6.49% interest rate at Standard Bank for a R10,000 investment in a 6 month fixed deposit (if you are older than 18). The industry average is 7.57%. Over 6 months you will earn R55 less in interest at Standard Bank compared to the average bank.
Standard Bank 1 year fixed deposit
This table shows Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 6.65% | 7.78% | - -121 |
| R10,000 for 55+ | 7.15% | 7.76% | - -65 |
| R100,000 for 18+ | 7.20% | 7.82% | - -671 |
| R100,000 for 55+ | 7.20% | 7.86% | - -704 |
| R250,000 for 18+ | 7.20% | 7.83% | - -1,709 |
| R250,000 for 55+ | 7.20% | 7.93% | - -1,955 |
| R1,000,000 for 18+ | 7.30% | 7.88% | - -6,179 |
| R1,000,000 for 55+ | 7.30% | 7.99% | - -7,427 |
| R5,000,000 for 18+ | 7.38% | 7.92% | - -29,182 |
| R5,000,000 for 55+ | 7.38% | 8.00% | - -33,269 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 6.65% | 7.78% | - -121 |
| R10,000 for 55+ | 7.15% | 7.76% | - -65 |
| R100,000 for 18+ | 7.20% | 7.82% | - -671 |
| R100,000 for 55+ | 7.20% | 7.86% | - -704 |
| R250,000 for 18+ | 7.20% | 7.83% | - -1,709 |
| R250,000 for 55+ | 7.20% | 7.93% | - -1,955 |
| R1,000,000 for 18+ | 7.30% | 7.88% | - -6,179 |
| R1,000,000 for 55+ | 7.30% | 7.99% | - -7,427 |
| R5,000,000 for 18+ | 7.38% | 7.92% | - -29,182 |
| R5,000,000 for 55+ | 7.38% | 8.00% | - -33,269 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Standard Bank.
You get a 6.65% interest rate at Standard Bank for a R10,000 investment in a 1 year fixed deposit (if you are older than 18). The industry average is 7.78%. Over 12 months you will earn R121 less in interest at Standard Bank compared to the average bank.
Standard Bank 2 year fixed deposit
This table shows Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.06% | 7.76% | - -159 |
| R10,000 for 55+ | 7.56% | 7.72% | - -35 |
| R100,000 for 18+ | 7.55% | 7.82% | - -590 |
| R100,000 for 55+ | 7.55% | 7.80% | - -553 |
| R250,000 for 18+ | 7.55% | 7.87% | - -1,786 |
| R250,000 for 55+ | 7.55% | 7.86% | - -1,746 |
| R1,000,000 for 18+ | 7.55% | 7.92% | - -8,226 |
| R1,000,000 for 55+ | 7.55% | 7.94% | - -8,824 |
| R5,000,000 for 18+ | 7.55% | 7.94% | - -43,517 |
| R5,000,000 for 55+ | 7.55% | 7.92% | - -42,277 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.06% | 7.76% | - -159 |
| R10,000 for 55+ | 7.56% | 7.72% | - -35 |
| R100,000 for 18+ | 7.55% | 7.82% | - -590 |
| R100,000 for 55+ | 7.55% | 7.80% | - -553 |
| R250,000 for 18+ | 7.55% | 7.87% | - -1,786 |
| R250,000 for 55+ | 7.55% | 7.86% | - -1,746 |
| R1,000,000 for 18+ | 7.55% | 7.92% | - -8,226 |
| R1,000,000 for 55+ | 7.55% | 7.94% | - -8,824 |
| R5,000,000 for 18+ | 7.55% | 7.94% | - -43,517 |
| R5,000,000 for 55+ | 7.55% | 7.92% | - -42,277 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Standard Bank.
You get a 7.06% interest rate at Standard Bank for a R10,000 investment in a 2 year fixed deposit (if you are older than 18). The industry average is 7.76%. Over 2 years you will earn R159 less in interest at Standard Bank compared to the average bank.
Standard Bank 3 year fixed deposit
This table shows Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.15% | 7.90% | - -273 |
| R10,000 for 55+ | 7.65% | 7.86% | - -78 |
| R100,000 for 18+ | 7.65% | 8.00% | - -1,265 |
| R100,000 for 55+ | 7.65% | 7.96% | - -1,138 |
| R250,000 for 18+ | 7.65% | 8.05% | - -3,717 |
| R250,000 for 55+ | 7.65% | 8.03% | - -3,493 |
| R1,000,000 for 18+ | 7.65% | 8.09% | - -16,195 |
| R1,000,000 for 55+ | 7.65% | 8.10% | - -16,748 |
| R5,000,000 for 18+ | 7.65% | 8.12% | - -85,695 |
| R5,000,000 for 55+ | 7.65% | 8.06% | - -79,109 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.15% | 7.90% | - -273 |
| R10,000 for 55+ | 7.65% | 7.86% | - -78 |
| R100,000 for 18+ | 7.65% | 8.00% | - -1,265 |
| R100,000 for 55+ | 7.65% | 7.96% | - -1,138 |
| R250,000 for 18+ | 7.65% | 8.05% | - -3,717 |
| R250,000 for 55+ | 7.65% | 8.03% | - -3,493 |
| R1,000,000 for 18+ | 7.65% | 8.09% | - -16,195 |
| R1,000,000 for 55+ | 7.65% | 8.10% | - -16,748 |
| R5,000,000 for 18+ | 7.65% | 8.12% | - -85,695 |
| R5,000,000 for 55+ | 7.65% | 8.06% | - -79,109 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Standard Bank.
You get a 7.15% interest rate at Standard Bank for a R10,000 investment in a 3 year fixed deposit (if you are older than 18). The industry average is 7.90%. Over 3 years you will earn R273 less in interest at Standard Bank compared to the average bank.
Standard Bank 5 year fixed deposit
This table shows Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.66% | 8.58% | - -678 |
| R10,000 for 55+ | 8.16% | 8.50% | - -248 |
| R100,000 for 18+ | 8.12% | 8.63% | - -3,793 |
| R100,000 for 55+ | 8.12% | 8.57% | - -3,346 |
| R250,000 for 18+ | 8.12% | 8.69% | - -10,546 |
| R250,000 for 55+ | 8.12% | 8.63% | - -9,540 |
| R1,000,000 for 18+ | 8.12% | 8.75% | - -47,190 |
| R1,000,000 for 55+ | 8.12% | 8.73% | - -45,425 |
| R5,000,000 for 18+ | 8.12% | 8.76% | - -237,105 |
| R5,000,000 for 55+ | 8.12% | 8.62% | - -191,347 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.66% | 8.58% | - -678 |
| R10,000 for 55+ | 8.16% | 8.50% | - -248 |
| R100,000 for 18+ | 8.12% | 8.63% | - -3,793 |
| R100,000 for 55+ | 8.12% | 8.57% | - -3,346 |
| R250,000 for 18+ | 8.12% | 8.69% | - -10,546 |
| R250,000 for 55+ | 8.12% | 8.63% | - -9,540 |
| R1,000,000 for 18+ | 8.12% | 8.75% | - -47,190 |
| R1,000,000 for 55+ | 8.12% | 8.73% | - -45,425 |
| R5,000,000 for 18+ | 8.12% | 8.76% | - -237,105 |
| R5,000,000 for 55+ | 8.12% | 8.62% | - -191,347 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Standard Bank.
You get a 7.66% interest rate at Standard Bank for a R10,000 investment in a 5 year fixed deposit (if you are older than 18). The industry average is 8.58%. Over 5 years you will earn R678 less in interest at Standard Bank compared to the average bank.