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Fixed Deposit


Nominal Interest Rate

Published at 2022-05-13

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 3.65% 3.70% 3.75% 3.85%
3 month 4.15% 4.20% 4.25% 4.30%
6 month 5.20% 5.25% 5.30% 5.35%
9 month 5.65% 5.70% 5.75% 5.80%
12 month 6.15% 6.20% 6.25% 6.30%
24 month 6.90% 6.95% 7.00% 7.05%
36 month 7.10% 7.15% 7.20% 7.25
48 month 7.80% 7.85% 7.90% 7.95%
60 month 8.35% 8.40% 8.45% 8.50%

Annual Effective Rates

Published at 2022-05-13

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 3.71% 3.76% 3.82% 3.92%
3 month 4.23% 4.28% 4.33% 4.39%
6 month 5.33% 5.38% 5.43% 5.48%
9 month 5.80% 5.85% 5.90% 5.96%
12 month 6.33% 6.38% 6.43% 6.49%
24 month 7.12% 7.18% 7.23% 7.28%
36 month 7.34% 7.39% 7.44% 7.50%
48 month 8.08% 8.14% 8.19% 8.25%
60 month 8.68% 8.73% 8.79% 8.84%

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Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.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

Published at 2022-05-13

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 4.05% 4.10% 4.15% 4.20%
3 month 4.55% 4.60% 4.65% 4.70%
6 month 5.30% 5.35% 5.40% 5.50%
9 month 5.85% 5.90% 5.95% 6.05%
12 month 6.55% 6.60% 6.65% 6.65%
24 month 7.15% 7.20% 7.25% 7.35%
36 month 7.65% 7.70% 7.75% 7.85%
48 month 8.05% 8.10% 8.15% 8.25%
60 month 8.85% 8.90% 8.95% 9.05%

Annual Effective Rates for clients aged 55 and above.

Published at 2022-05-13

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 4.13% 4.18% 4.23% 4.28%
3 month 4.65% 4.70% 4.75% 4.80%
6 month 5.43% 5.48% 5.54% 5.64%
9 month 6.01% 6.06% 6.11% 6.22%
12 month 6.75% 6.80% 6.86% 6.86%
24 month 7.39% 7.44% 7.50% 7.60%
36 month 7.92% 7.98% 8.03% 8.14%
48 month 8.35% 8.41% 8.46% 8.57%
60 month 9.22% 9.27% 9.33% 9.43%

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

Published at 2022-04-07

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 4.05% 4.10% 4.15% 4.20%
3 month 4.55% 4.60% 4.65% 4.70%
6 month 5.45% 5.50% 5.55% 5.65%
9 month 6.00% 6.05% 6.10% 6.20%
12 month 6.70% 6.75% 6.80% 6.80%
24 month 7.30% 7.35% 7.40% 7.50%
36 month 7.80% 7.85% 7.90% 8.00%
48 month 8.20% 8.25% 8.30% 8.40%
60 month 9.00% 9.05% 9.10% 9.20%

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

Published at 2022-04-07

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 4.13% 4.18% 4.23% 4.28%
3 month 4.65% 4.70% 4.75% 4.80%
6 month 5.59% 5.64% 5.69% 5.80%
9 month 6.17% 6.22% 6.27% 6.38%
12 month 6.91% 6.96% 7.02% 7.02%
24 month 7.55% 7.60% 7.66% 7.76%
36 month 8.08% 8.14% 8.19% 8.30%
48 month 8.52% 8.57% 8.62% 8.73%
60 month 9.38% 9.43% 9.49% 9.60%

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

9.20%

Minimum opening deposit of R10 000.
Customers must be invested in Retirees Value Proposition


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

What's hot


It's free

There are no monthly fees



You choose

Choose your investment term between 7 days and 60 months, or choose your own maturity date



Access interest

You can access your interest during your investment term



Do it online

Open and manage your account online



What you get


Guaranteed capital

No Risk. Your original deposit and quoted returns are 100% guaranteed

Fixed Rate

Earn a fixed interest rate

Increase investment

Additional money may be added at maturity

Preference

Get preferential rates on investments if you are 55 years and older

Reinvest or redirect

Reinvest or transfer your interest to another account

Rewards

Add to your eBucks reward level points.
Visit www.eBucks.com for details.

Opening made easy


Fixed Deposit

Qualifying criteria

Must be a South African citizen

Ways to apply

Open now!

Other ways to apply

Complete the call me back form

Contact us

Find a branch

Documents needed

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

Seniors: Nominal Rates

Published at 2022-04-07

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 4.05% 4.10% 4.15% 4.20%
3 month 4.55% 4.60% 4.65% 4.70%
6 month 5.45% 5.50% 5.55% 5.65%
9 month 6.00% 6.05% 6.10% 6.20%
12 month 6.70% 6.75% 6.80% 6.80%
24 month 7.30% 7.35% 7.40% 7.50%
36 month 7.80% 7.85% 7.90% 8.00%
48 month 8.20% 8.25% 8.30% 8.40%
60 month 9.00% 9.05% 9.10% 9.20%

Fixed Deposit: Nominal Rates

Published at 2022-05-13

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 3.65% 3.70% 3.75% 3.85%
3 month 4.15% 4.20% 4.25% 4.30%
6 month 5.20% 5.25% 5.30% 5.35%
9 month 5.65% 5.70% 5.75% 5.80%
12 month 6.15% 6.20% 6.25% 6.30%
24 month 6.90% 6.95% 7.00% 7.05%
36 month 7.10% 7.15% 7.20% 7.25
48 month 7.80% 7.85% 7.90% 7.95%
60 month 8.35% 8.40% 8.45% 8.50%

Fixed Deposit: Nominal Rates

Published at 2022-05-07

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 3.65% 3.70% 3.75% 3.85%
3 month 4.15% 4.20% 4.25% 4.30%
6 month 4.20% 4.25% 4.30% 4.35%
9 month 5.65% 5.70% 5.75% 5.80%
12 month 6.15% 6.20% 6.25% 6.30%
24 month 6.90% 6.95% 7.00% 7.05%
36 month 7.10% 7.15% 7.20% 7.25
48 month 7.80% 7.85% 7.90% 7.95%
60 month 8.35% 8.40% 8.45% 8.50%

Fixed Deposit: Annual Effective Rates

Published at 2022-05-07

Period R10 000 -
R249 999.99
R250 000 -
R499 999.99
R500 000 -
R999 999.99
R1 000 000+
1 month 3.71% 3.76% 3.82% 3.92%
3 month 4.23% 4.28% 4.33% 4.39%
6 month 5.33% 5.38% 5.43% 5.48%
9 month 5.80% 5.85% 5.90% 5.96%
12 month 6.33% 6.38% 6.43% 6.49%
24 month 7.12% 7.18% 7.23% 7.28%
36 month 7.34% 7.39% 7.44% 7.50%
48 month 8.08% 8.14% 8.19% 8.25%
60 month 8.68% 8.73% 8.79% 8.84%

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.