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Seniors: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.50% 8.55% 8.60% 8.70%
9 month 8.80% 8.85% 8.90% 9.00%
12 month 9.15% 9.20% 9.25% 9.30%
24 month 9.20% 9.25% 9.30% 9.40%
36 month 9.25% 9.30% 9.35% 9.45%
48 month 9.30% 9.35% 9.40% 9.50%
60 month 9.60% 9.65% 9.70% 9.80%

Fixed Deposit: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 7.60% 7.65% 7.70% 7.80%
3 month 7.85% 7.90% 7.95% 8.00%
6 month 8.00% 8.05% 8.10% 8.15%
9 month 8.15% 8.20% 8.25% 8.30%
12 month 8.55% 8.60% 8.65% 8.70%
24 month 8.65% 8.70% 8.75% 8.80%
36 month 8.75% 8.80% 8.85% 8.90%
48 month 8.85% 8.90% 8.95% 9.00%
60 month 9.15% 9.20% 9.25% 9.30%

Business Fixed Deposit


Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.



Seniors: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 8.05% 8.10% 8.15% 8.20%
3 month 8.20% 8.25% 8.30% 8.35%
6 month 8.50% 8.55% 8.60% 8.70%
9 month 8.80% 8.85% 8.90% 9.00%
12 month 9.15% 9.20% 9.25% 9.30%
24 month 9.20% 9.25% 9.30% 9.40%
36 month 9.25% 9.30% 9.35% 9.45%
48 month 9.30% 9.35% 9.40% 9.50%
60 month 9.60% 9.65% 9.70% 9.80%

Fixed Deposit: Nominal Rates

Published at 2023-09-11

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 7.60% 7.65% 7.70% 7.80%
3 month 7.85% 7.90% 7.95% 8.00%
6 month 8.00% 8.05% 8.10% 8.15%
9 month 8.15% 8.20% 8.25% 8.30%
12 month 8.55% 8.60% 8.65% 8.70%
24 month 8.65% 8.70% 8.75% 8.80%
36 month 8.75% 8.80% 8.85% 8.90%
48 month 8.85% 8.90% 8.95% 9.00%
60 month 9.15% 9.20% 9.25% 9.30%

Qualifying criteria


Must be a South African citizen

Documents needed


  • Proof of residence (not older than 3 months)
  • South African ID book or ID card

Because you save for the things that count...


  • For emergencies and unforeseen expenses

    We have a range of savings and investment accounts where you can access your money quickly

  • For specific goals or special events

    We have a range of savings and investment accounts where you can access your money after placing notice

  • For the longer term.

    We have a range of savings and investment accounts where you can access your money after a fixed period

  • Teach your child to save.

    What guidance do you need to choose the right savings and investments solution for you?

  • Tax-free savings.

    Ideal for enjoying the benefits of saving tax free

Fixed Deposit


Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


Fixed Deposit for clients aged 55 years and older


Nominal Rates for clients aged 55 and above.


Preferential Nominal Rates for Senior clients on the retirees value proposition.*


Nominal rate per annum (NACM): This is the annualised interest rate that you will earn daily and is capitalised monthly. This rate does not take into account the compounding interest effect.

Annual Effective Interest rate: Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


*Clients aged 55 and above, who are retired and on the retirees value proposition. Preferential rates will reflect within 2 working days. Exclusively available to retired clients over 55, who qualify and opted into the retirees value proposition. Please call 087 320 4321 or contact your Private Clients or Private Wealth Banker. You can also visit any FNB branch.

Fixed Deposit


Maximum nominal interest rate over 60 months

Minimum opening deposit of R10 000.


An investment account with a fixed term, typically giving you a higher interest rate than investments available overnight or with notice.

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