View the latest daily interest rates of all cash investment accounts, including fixed term deposits, notice deposits and instant access deposit accounts so that you can make an informed decision on where to deposit your hard earned cash and save for what matters most.
Product Specials
Fixed Term Deposits – protect your returns
| 60 month Fixed Deposits | Nominal* | Period Effective |
|---|---|---|
| Individuals over 55 years of age | 6.99% | 7.22% |
| Individuals under 55 years of age | 6.84% | 7.06% |
| 24 month Fixed Deposits | Nominal* | Period Effective |
|---|---|---|
| Individuals over 55 years of age | 5.17% | 5.29% |
| Individuals under 55 years of age | 5.02% | 5.14% |
| 12 month Fixed Deposits | Nominal* | Period Effective |
|---|---|---|
| Individuals over 55 years of age | 4.90% | 5.01% |
| Individuals under 55 years of age | 4.76% | 4.87% |
| 6 month Fixed Deposits | Nominal* | Period Effective |
|---|---|---|
| Individuals over 55 years of age | 4.19% | 4.23% |
| Individuals under 55 years of age | 4.04% | 4.07% |
*The rates are indicative rates only and will be confirmed at the time of dealing and are subject to change. The nominal rate is the interest rate on deposits which is unadjusted for compounding interest. The effective rate is the interest rate earned on a deposit account, taking into account the effect of compounding interest.
Fixed Term Deposits
- Fixed Deposits – Fixed Rate
- Fixed Deposits – Prime Linked Rate
- Fixed Deposits – Tax Free Fixed Rate
- Fixed Deposits – LiquidFixed
Fixed Deposits – Fixed Rate Plus:
| Fixed Deposits | Nominal* | Period Effective |
|---|---|---|
| Over R 1 000 000 | ||
| 12 Month | 4.38% | 4.47% |
| 9 Month | 4.04% | 4.09% |
| 6 Month | 3.94% | 3.97% |
| 5 Month | 3.85% | 3.87% |
| 4 Month | 3.71% | 3.73% |
| 3 Month | 3.56% | 3.57% |
| 2 Month | 3.49% | 3.50% |
| 1 Month | 3.45% | 3.45% |
| R 250 000 – R 1 000 000 | ||
| 12 Month | 4.38% | 4.47% |
| 9 Month | 3.79% | 3.84% |
| 6 Month | 3.69% | 3.72% |
| 5 Month | 3.60% | 3.62% |
| 4 Month | 3.46% | 3.47% |
| 3 Month | 3.31% | 3.32% |
| 2 Month | 3.24% | 3.24% |
| 1 Month | 3.20% | 3.20% |
| R 100 000 – R 250 000 | ||
| 12 Month | 4.30% | 4.39% |
| 9 Month | 3.59% | 3.63% |
| 6 Month | 3.49% | 3.52% |
| 5 Month | 3.40% | 3.42% |
| 4 Month | 3.26% | 3.27% |
| 3 Month | 3.11% | 3.12% |
| 2 Month | 3.04% | 3.04% |
| 1 Month | 3.05% | 3.05% |
Fixed Deposits – Prime Linked Rate:
| Primelinked fixed Deposits | Nominal* | Period Effective |
|---|---|---|
| Over R 1 000 000 | ||
| 12 Month | 4.53% | 4.63% |
| 9 Month | 4.12% | 4.18% |
| 6 Month | 3.86% | 3.89% |
| 3 Month | 3.60% | 3.61% |
| R 500 000 – R 1 000 000 | ||
| 12 Month | 4.53% | 4.63% |
| 9 Month | 4.07% | 4.13% |
| 6 Month | 3.81% | 3.84% |
| 3 Month | 3.55% | 3.56% |
| R 100 000 – R 500 000 | ||
| 12 Month | 4.53% | 4.63% |
| 9 Month | 4.02% | 4.07% |
| 6 Month | 3.76% | 3.79% |
| 3 Month | 3.50% | 3.51% |
Fixed Deposits – Tax Free Fixed Rate:
| Tax Free | NACM | Effective |
|---|---|---|
| 12 months | 4.58% | 4.68% |
Instant Access Deposits
| PrimeSaver | Nominal | Annual Effective |
|---|---|---|
| Up to R 25 000 000 | 3.50% | 3.56% |
| R 25 000 000 and above | 3.30% | 3.35% |
* The premium rate applies to balances up to R25 million. Any funds in excess of R25 million will earn the next tiered rate deriving a blended rate for the overall balance deposited.
| *MoneyFund Tracker | Nominal | Annual Effective |
|---|---|---|
| >R100 000 | 3.75% | 3.82% |
*Variable rate approximates the average of the top qualifying¹ money market funds’ published daily rates. The minimum balance requirement for the MoneyFund Tracker is R100 000 for Private Bank clients and R250 000 for non Private Bank clients. Balances above R250 000 will earn the rate above. Balances below R250 000 will earn a tiered interest rate.
Last Updated: 05 March 2025/2026
| Call Deposits | Nominal | Annual Effective |
|---|---|---|
| R 10 000 000 and above | 3.00% | 3.04% |
| R 5 000 000 – R 10 000 000 | 2.75% | 2.78% |
| R 1 000 000 – R 5 000 000 | 2.00% | 2.02% |
| R 500 000 – R 1 000 000 | 1.25% | 1.26% |
| R 250 000 – R 500 000 | 0.75% | 0.75% |
| R 100 000 – R 250 000 | 0.50% | 0.50% |
| Foreign Currency Call Account | UK Pounds Nominal Rate | US Dollars Nominal Rate | EUR Nominal Rate |
|---|---|---|---|
| Minimum 1 000 Base Currency | 0.00% | 0.00% | 0.00% |
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