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For My Business

< R10m annual turnover

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> R10m annual turnover

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Corporates + Public Sector

Corporate Public Sector

Encore Account


Premier Select: Comprehensive Pricing Option

Published at 2017-07-24

Tier Credit Interest Rate
R0 - R9 999 0.30%
R10 000 - R19 999 0.55%
R20 000 - R49 999 1.55%
R50 000 - R99 999 3.20%
R100 000+ 0.80%

Youth Account


Published at 2016-03-18

Amount Interest
(per annum)
R1 - R 100 0.00%
R100 - R 1 000 1.40%
R1 000 - R100 000 1.90%
R100 000+ 2.95%

Stokvel Account


Published at 2021-11-19

Amount Nominal Interest Rate
(per annum)
Annual Effective Rate
R1 - R19 999 2.55% 2.58%
R20 000 - R24 999 2.75% 2.78%
R25 000 - R74 999 3.20% 3.25%
R75 000 - R99 999 3.30% 3.35%
R100 000+ 3.30% 3.35%

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Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


Smart Save Account


Published at 2021-11-19

Amount Nominal Interest Rate (per annum) Annual Effective Rate
R100 - R999 0.50% 0.50%
R1 000 - R4 499 0.50% 0.50%
R4 500 - R9 999 0.50% 0.50%
R10 000 - R14 999 0.50% 0.50%
R15 000 - R19 999 0.50% 0.50%
R20 000 - R24 999 0.50% 0.50%
R25 000 -R39 999 0.50% 0.50%
R40 000 - R49 999 0.50% 0.50%
R50 000 - R74 999 0.50% 0.50%
R75 000 - R99 999 0.50% 0.50%
R100 000 - R149 999 0.50% 0.50%
R150 000 - R199 999 0.50% 0.50%
R200 000 + 0.50% 0.50%

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Annualised interest rate that takes into account the compounding interest effect for one year assuming interest is not withdrawn.


Savings Account


Published at 2021-11-19

Balance Band Nominal Interest Rate (per annum) Annual Effective Rate
R1 - R19 999 2.55% 2.58%
R20 000 - R24 999 2.75% 2.78%
R25 000 - R74 999 3.20% 3.25%
R75 000 - R99 999 3.30% 3.35%
R100 000+ 3.30% 3.35%

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.


Transactional savings accounts


Interest rates

A positive balance has positive returns.