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Fixed Deposit investment account
Open an investment account where you can choose your investment period, make a single deposit, and see your money grow at a fixed rate. T&Cs apply
R
1 000
Opening deposit
At Maturity
Access to Funds
9.81%
Earn interest up to
Zero
Monthly admin fee
Fixed Deposit interest rates
See how much interest you can earn depending on your account balance.
Fixed Deposits
Open now
These rates are effective from 29 March 2025
INTEREST RATES ARE QUOTED AS PER ANNUM RATES AND INTEREST IS PAID OUT MONTHLY OR AT MATURITY.
* If you’re older than 55 and have a balance below R100 000, you qualify for an extra 0.50% interest.
Please select the category you would like to view the interest rates for:
Balances below R 10 000
| Investment Term | Nominal Interest Rate* | Rate at Maturity** |
|---|---|---|
| Month 1 | 6.58 % | 6.58 % |
| Month 2 | 6.58 % | 6.58 % |
| Month 3 | 6.63 % | 6.67 % |
| Month 4 | 6.63 % | 6.67 % |
| Month 6 | 6.68 % | 6.78 % |
| Month 9 | 6.68 % | 6.78 % |
| Month 12 | 6.9 % | 7.12 % |
| Month 18 | 7.22 % | 7.6 % |
| Month 24 | 7.3 % | 7.83 % |
| Month 36 | 7.41 % | 8.27 % |
| Month 48 | 7.63 % | 8.89 % |
| Month 60 | 7.91 % | 9.66 % |
*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at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
** Rate at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
Balances between R 10 000 - R 99 999
| Investment Term | Nominal Interest Rate* | Rate at Maturity** |
|---|---|---|
| Month 1 | 6.68 % | 6.68 % |
| Month 2 | 6.68 % | 6.68 % |
| Month 3 | 6.73 % | 6.77 % |
| Month 4 | 6.73 % | 6.77 % |
| Month 6 | 6.78 % | 6.88 % |
| Month 9 | 6.78 % | 6.88 % |
| Month 12 | 7.0 % | 7.23 % |
| Month 18 | 7.32 % | 7.71 % |
| Month 24 | 7.4 % | 7.95 % |
| Month 36 | 7.51 % | 8.39 % |
| Month 48 | 7.73 % | 9.02 % |
| Month 60 | 8.01 % | 9.81 % |
*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at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
** Rate at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
Balances between R 100 000 - R 499 999
| Investment Term | Nominal Interest Rate* | Rate at Maturity** |
|---|---|---|
| Month 1 | 7.205 % | 7.205 % |
| Month 2 | 7.231 % | 7.253 % |
| Month 3 | 7.259 % | 7.303 % |
| Month 4 | 7.285 % | 7.352 % |
| Month 5 | 7.31 % | 7.4 % |
| Month 6 | 7.313 % | 7.425 % |
| Month 7 | 7.337 % | 7.473 % |
| Month 8 | 7.335 % | 7.494 % |
| Month 9 | 7.338 % | 7.52 % |
| Month 10 | 7.341 % | 7.546 % |
| Month 11 | 7.364 % | 7.595 % |
| Month 12 | 7.388 % | 7.643 % |
| Month 18 | 7.69 % | 8.08 % |
| Month 24 | 7.75 % | 8.3 % |
| Month 36 | 7.87 % | 8.75 % |
| Month 48 | 8.1 % | 9.4 % |
| Month 60 | 8.41 % | 10.26 % |
*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.
** Rate at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
Balances between R 500 000 - R 999 999
| Investment Term | Nominal Interest Rate* | Rate at Maturity** |
|---|---|---|
| Month 1 | 7.255 % | 7.255 % |
| Month 2 | 7.281 % | 7.303 % |
| Month 3 | 7.309 % | 7.354 % |
| Month 4 | 7.335 % | 7.403 % |
| Month 5 | 7.36 % | 7.451 % |
| Month 6 | 7.363 % | 7.477 % |
| Month 7 | 7.387 % | 7.525 % |
| Month 8 | 7.385 % | 7.546 % |
| Month 9 | 7.388 % | 7.572 % |
| Month 10 | 7.391 % | 7.599 % |
| Month 11 | 7.414 % | 7.648 % |
| Month 12 | 7.438 % | 7.696 % |
| Month 18 | 7.69 % | 8.08 % |
| Month 24 | 7.75 % | 8.3 % |
| Month 36 | 7.87 % | 8.75 % |
| Month 48 | 8.1 % | 9.4 % |
| Month 60 | 8.41 % | 10.26 % |
*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.
** Rate at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
Balances between R 1 000 000 - R 4 999 999
| Investment Term | Nominal Interest Rate* | Rate at Maturity** |
|---|---|---|
| Month 1 | 7.305 % | 7.305 % |
| Month 2 | 7.331 % | 7.354 % |
| Month 3 | 7.359 % | 7.404 % |
| Month 4 | 7.385 % | 7.453 % |
| Month 5 | 7.41 % | 7.503 % |
| Month 6 | 7.413 % | 7.528 % |
| Month 7 | 7.437 % | 7.576 % |
| Month 8 | 7.435 % | 7.598 % |
| Month 9 | 7.438 % | 7.625 % |
| Month 10 | 7.441 % | 7.652 % |
| Month 11 | 7.464 % | 7.701 % |
| Month 12 | 7.488 % | 7.75 % |
| Month 18 | 7.69 % | 8.08 % |
| Month 24 | 7.75 % | 8.3 % |
| Month 36 | 7.87 % | 8.75 % |
| Month 48 | 8.1 % | 9.4 % |
| Month 60 | 8.41 % | 10.26 % |
*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.
** Rate at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
Balances R 5 000 000 and above
| Investment Term | Nominal Interest Rate* | Rate at Maturity** |
|---|---|---|
| Month 1 | 7.375 % | 7.375 % |
| Month 2 | 7.401 % | 7.424 % |
| Month 3 | 7.429 % | 7.475 % |
| Month 4 | 7.455 % | 7.525 % |
| Month 5 | 7.48 % | 7.574 % |
| Month 6 | 7.483 % | 7.6 % |
| Month 7 | 7.507 % | 7.649 % |
| Month 8 | 7.505 % | 7.671 % |
| Month 9 | 7.508 % | 7.698 % |
| Month 10 | 7.511 % | 7.726 % |
| Month 11 | 7.534 % | 7.775 % |
| Month 12 | 7.558 % | 7.825 % |
| Month 18 | 7.69 % | 8.08 % |
| Month 24 | 7.75 % | 8.3 % |
| Month 36 | 7.87 % | 8.75 % |
| Month 48 | 8.1 % | 9.4 % |
| Month 60 | 8.41 % | 10.26 % |
*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.
** Rate at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.
INTEREST RATES ARE QUOTED AS PER ANNUM RATES AND INTEREST IS PAID OUT MONTHLY OR AT MATURITY.
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
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
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
- No monthly fees
- Cash deposit fees apply
- Early withdrawal fees apply
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
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