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Customer care line

South Africa

0860 123 000

International

+27 10 824 1515

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South Africa

0800 020 600

International

+27 10 824 1515

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Fixed Deposit investment account

Fixed Deposit interest rates

See how much interest you can earn depending on your account balance.

Fixed Deposits

These rates apply to investment amounts of R1 000 to R99 999. Interest rates are available on application for amounts R100 000 and above.

These rates are effective from 29 November 2024

	Balances R 10 000 to R 99 999		Balances below R 10 000
	Interest paid monthly	Interest paid at maturity	Interest paid monthly	Rate at Maturity**
33 days to under 3 months	6,91%	6,91%	6,51%	6,61%
3 months to under 6 months	7,09%	7,15%	6,69%	6,85%
6 months to under 12 month	7,46%	7,55%	7,06%	7,25%
12 months to under 18 months	7,85%	8,15%	7,45%	7,85%
18 months to under 24 months	8,11%	8,60%	7,71%	8,30%
24 months to under 36 months	8,07%	8,75%	7,67%	8,45%
36 months to under 48 months	8,14%	9,20%	7,74%	8,90%
48 months to 60 months	8,43%	10,00%	8,03%	9,70%
60 months	8,76%	10,95%	8,36%	10,65%

*Nominal Interest Rate - The annualised interest rate that you will earn daily and is paid out monthly. This rate does not consider the interest compounding effect.
** Rate at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.

Senior Citizen and Consolidator Fixed Deposits (These rates apply to customers aged 55 years old and older)

	Balances R 10 000 to R 99 999		Balances below R 10 000
	Interest paid monthly	Interest paid at maturity	Interest paid monthly	Interest paid at maturity
33 days to under 3 months	7,41%	7,41%	7,01%	7,11%
3 months to under 6 months	7,59%	7,65%	7,19%	7,35%
6 months to under 12 month	7,96%	8,05%	7,56%	7,75%
12 months to under 18 months	8,35%	8,65%	7,95%	8,35%
18 months to under 24 months	8,61%	9,10%	8,21%	8,80%
24 months to under 36 months	8,57%	9,25%	8,17%	8,95%
36 months to under 48 months	8,64%	9,70%	8,24%	9,40%
48 months to 60 months	8,93%	10,50%	8,53%	10,20%
60 months	9,26%	11,45%	8,86%	11,15%

Some of the benefits

Top rates

Invest for a longer period to enjoy higher interest rates

Fixed interest

Make a once-off deposit and watch your money grow at a fixed rate

Flexible term

Achieve your financial goals by saving from one month up to five years

UCount Rewards

Get UCount Tiering Points when you choose a term of 3 months or more

Top rates

Invest for a longer period to enjoy higher interest rates

Fixed interest

Make a once-off deposit and watch your money grow at a fixed rate

Flexible term

Achieve your financial goals by saving from one month up to five years

UCount Rewards

Get UCount Tiering Points when you choose a term of 3 months or more

What you get

Interest rate based on your account balance and investment period
Interest and savings can be transferred to any other account at the end of the period
Over 55s with a balance below R100 000 get an extra 0.5% annually
Link your bank card for access in-app, online, at ATMs or on your phone
Interest calculated daily and paid monthly, quarterly, annually or at period end
Capital is guaranteed

Fixed Deposit term and conditions
General terms and conditions

What it costs

No monthly fees
Cash deposit fees apply
Early withdrawal fees apply

See 2025 pricing guide
See 2024 pricing guide

How to get it

If you’re an existing Standard Bank customer:

Apply via Internet Banking:

Sign into your Internet Banking profile
Navigate to the Save & Invest tab and click on the browse button
Scroll down until you see the Fixed Deposit Investment tile
Click on Get Account and complete the steps

Apply on our Banking App:

Sign into the app
Tap on the More tile
Select Open a new account
Tap on Savings and Investment
Scroll down until you see the Fixed Deposit Investment tile and tap on it

If you don’t bank with us:

Complete our Call Me Back form:

Click on the 'Open Now' button at the top of the page
Fill in your details
Click ‘Submit’ and one of our consultants will be in touch

What you’ll need to apply at a branch:

Be 16 years or older
ID copy (or passport if not an SA citizen)*
Proof of residence not older than 3 months

_{*If you’re a minor, you’ll need the consent of your parent or guardian}

What you get
What it costs
How to get it

Interest rate based on your account balance and investment period
Interest and savings can be transferred to any other account at the end of the period
Over 55s with a balance below R100 000 get an extra 0.5% annually
Link your bank card for access in-app, online, at ATMs or on your phone
Interest calculated daily and paid monthly, quarterly, annually or at period end
Capital is guaranteed

Fixed Deposit term and conditions
General terms and conditions