Best 2 year Fixed Deposit Rates for July 2026 | R100,000 investment

These are the best 2 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	8.52%	R118.5k
2	GoTyme Bank GoTyme Bank Fixed Deposit	55	R1	8.52%	R118.5k
3	SA Retail Bonds SA Retail Bonds Fixed Rates	18	R1	8%	R117.0k
4	SA Retail Bonds SA Retail Bonds Fixed Rates	55	R1	8%	R117.0k
5	Investec Investec Fixed Deposit Special	55	R100k	7.6%	R116.4k
6	Absa Absa Dynamic Senior Fixed Deposit	55	R100k	7.55%	R116.2k
7	Absa Absa Dynamic Fixed Deposit	18	R100k	7.5%	R116.1k
8	Access Bank Plc Access Bank Fixed Deposit	18	R25k	7.5%	R116.1k
9	Access Bank Plc Access Bank Fixed Deposit	55	R25k	7.5%	R116.1k
10	Discovery Discovery Fixed Deposit Account	18	R10k	7.5%	R116.1k
11	Discovery Discovery Fixed Deposit Account	55	R10k	7.5%	R116.1k
12	Investec Investec Fixed Deposit Special	18	R100k	7.45%	R116.0k
13	Nedbank Nedbank Platinum Fixed Deposit	18	R100k	7.4%	R115.9k
14	Capitec Capitec Fixed-Term Savings	18	R50k	7.35%	R115.8k
15	Standard Bank Standard Bank Fixed Deposit	18	R100k	7.31%	R115.7k
16	Standard Bank Standard Bank Fixed Deposit	55	R100k	7.31%	R115.7k
17	Nedbank Nedbank Electronic OptimumPlus	55	R25k	7.3%	R115.7k
18	FNB FNB Senior Preferential Fixed Deposit	55	R10k	7.25%	R115.6k
19	Nedbank Nedbank Electronic Fixed Deposit	18	R25k	7.25%	R115.6k
20	African Bank African Bank Fixed Deposit	18	R50k	7.12%	R115.3k
21	African Bank African Bank Fixed Deposit	55	R50k	7.12%	R115.3k
22	FNB FNB Senior Fixed Deposit	55	R10k	6.95%	R114.9k
23	FNB FNB Fixed Deposit	18	R10k	6.85%	R114.6k
24	Absa Absa Senior Digital Bonus Fixed Deposit	55	R100k	6.35%	R113.5k
25	Absa Absa Standard Digital Bonus Fixed Deposit	18	R100k	6.3%	R113.4k

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