Best 1 year Fixed Deposit Rates for July 2026 | R100,000 investment

These are the best 1 year fixed deposit rates for individuals younger than 55 looking to invest R100,000.

#	Bank	Min Age	Min Deposit	Nominal	Total interest *
1	GoTyme Bank GoTyme Bank Fixed Deposit	18	R1	8.42%	R108.7k
2	GoTyme Bank GoTyme Bank Fixed Deposit	55	R1	8.42%	R108.7k
3	Investec Investec PrimeLinked Fixed Deposit	18	R100k	8.03%	R108.3k
4	Investec Investec PrimeLinked Fixed Deposit	18	R100k	8.03%	R108.3k
5	Bidvest Bidvest Fixed Deposit	18	R1	7.72%	R108.0k
6	Absa Absa Tax Free Fixed Deposit	18	R30k	7.6%	R107.9k
7	Investec Investec Fixed Deposit Special	55	R100k	7.6%	R107.9k
8	Investec Investec Fixed Deposit Special	18	R100k	7.5%	R107.8k
9	Discovery Discovery Fixed Deposit Account	18	R10k	7.4%	R107.7k
10	Discovery Discovery Fixed Deposit Account	55	R10k	7.4%	R107.7k
11	Investec Investec Tax Free Fixed Deposit	18	R100k	7.38%	R107.6k
12	Absa Absa Dynamic Senior Fixed Deposit	55	R100k	7.35%	R107.6k
13	African Bank African Bank Fixed Deposit	18	R50k	7.35%	R107.6k
14	African Bank African Bank Fixed Deposit	55	R50k	7.35%	R107.6k
15	Standard Bank Standard Bank Fixed Deposit	18	R100k	7.35%	R107.6k
16	Standard Bank Standard Bank Fixed Deposit	55	R100k	7.35%	R107.6k
17	Absa Absa Dynamic Fixed Deposit	18	R100k	7.3%	R107.5k
18	Nedbank Nedbank Tax-free Fixed Deposit	18	R25k	7.3%	R107.5k
19	Nedbank Nedbank Platinum Fixed Deposit	18	R100k	7.3%	R107.5k
20	Access Bank Plc Access Bank Fixed Deposit	18	R25k	7.25%	R107.5k
21	Access Bank Plc Access Bank Fixed Deposit	55	R25k	7.25%	R107.5k
22	Investec Investec Fixed Term Deposit	18	R100k	7.18%	R107.4k
23	African Bank African Bank Tax Free Investment (12 Months)	18	R75k	7.17%	R107.4k
24	African Bank African Bank Tax Free Investment (12 Months)	55	R75k	7.17%	R107.4k
25	FNB FNB Senior Preferential Fixed Deposit	55	R10k	7.1%	R107.3k
26	Investec Investec Fixed Term Deposit	18	R100k	7.1%	R107.3k
27	Nedbank Nedbank Electronic OptimumPlus	55	R25k	7.1%	R107.3k
28	Nedbank Nedbank Electronic Fixed Deposit	18	R25k	7%	R107.2k
29	Absa Absa Senior Digital Bonus Fixed Deposit	55	R100k	6.95%	R107.2k
30	Capitec Capitec Fixed-Term Savings	18	R50k	6.95%	R107.2k
31	Absa Absa Standard Digital Bonus Fixed Deposit	18	R100k	6.9%	R107.1k
32	FNB FNB Senior Fixed Deposit	55	R10k	6.85%	R107.1k
33	FNB FNB Fixed Deposit	18	R10k	6.75%	R107.0k

(*) Total interest: estimated total interest earned for a R100,000 investment. Interest paid out at maturity