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0860 123 000

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+27 10 824 1515

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0800 020 600

International

+27 10 824 1514

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Fixed Deposit investment account

Fixed Deposit interest rates

See how much interest you can earn depending on your investment term and 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 26 November 2025

	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at Maturity - The interest rate you will be paid at maturity of your Fixed Deposit account, assuming no interest is withdrawn.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 rewarded for saving and climb the Tiering Points ladder when you save for 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 rewarded for saving and climb the Tiering Points ladder when you save for 3 months or more

How it works

Deposit a lump sum (minimum of R 1 000)
Choose your investment term upfront – it can be anything from 1 month to 5 years
Interest is then based on your investment term and account balance
You can’t add more funds once you’ve locked in your investment term, however, you can open another Fixed Deposit account if you have more funds to invest
You can transfer your interest and savings to any account at the end of the period
If you’re over the age of 55 and have a balance below R100 000, you’ll get an extra 0.5% annually
Access your savings on the Banking App, Online Banking, at ATMs, or on your phone
Interest is calculated daily and paid monthly, quarterly, annually or at period end
Your 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 2026 pricing guide

How to get it

If you’re an existing Standard Bank customer:

Apply via Online Banking:

Sign into your Online 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}

How it works
What it costs
How to get it

Deposit a lump sum (minimum of R 1 000)
Choose your investment term upfront – it can be anything from 1 month to 5 years
Interest is then based on your investment term and account balance
You can’t add more funds once you’ve locked in your investment term, however, you can open another Fixed Deposit account if you have more funds to invest
You can transfer your interest and savings to any account at the end of the period
If you’re over the age of 55 and have a balance below R100 000, you’ll get an extra 0.5% annually
Access your savings on the Banking App, Online Banking, at ATMs, or on your phone
Interest is calculated daily and paid monthly, quarterly, annually or at period end
Your capital is guaranteed

Fixed Deposit term and conditions
General terms and conditions

No monthly fees
Cash deposit fees apply
Early withdrawal fees apply

See 2025 pricing guide
See 2026 pricing guide

If you’re an existing Standard Bank customer:

Apply via Online Banking:

Sign into your Online 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 is a Fixed Deposit account?

It’s a savings account where you lock in your money for a set time to grow it safely.

Can I withdraw money from a Fixed Deposit account?

You can, but it’s best to wait until the end of your chosen term to get the full benefit. However, if you can’t wait, you’ll have to pay an early withdrawal penalty fee to access your funds.

Who should get a Fixed Deposit account?

It’s ideal for people who don’t need immediate access to their money and want guaranteed growth.

How does a Fixed Deposit account support my long-term goals?

It helps you commit to saving by offering stability and predictable returns.