Rates and Fees

Savings & Investing Accounts

Savings & Investment - Fees
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Interest Rates for less than a R1 000 deposit
  >R 1 >R 50 >R 100 >R 500 >R 1000
Instant Access
MegaU 0.15% 0.15% 0.15% 0.15% 0.15%
Club Account 1.40% 1.40% 1.40% 1.40% 2.75%
TruSave 0% 3.75% 3.75% 3.75% 3.75%
Mzansi 0.15%        
Saving plans
TargetSave     4.40% 4.40% 4.40%
FuturePlan   4.30% 4.30% 4.30% 4.50%
Term Deposits for 12 months
Bonus Deposit         4.13%
Fixed Deposit         6.80%
Effective 3 February 2016
Interest Rates for between R1 000 and R10 000 deposits
  >R1 000 >R2 000 >R5 000 >R6 000 >R10 000
Instant Access
Club Account 2.75% 2.75% 2.75% 2.75% 3.00%
TruSave 3.75% 3.75% 3.75% 3.75% 3.75%
Saving plans
TargetSave 4.90% 4.40% 4.40% 4.40% 4.60%
FuturePlan 4.50% 4.50% 4.50% 4.70% 4.90%
Term Deposits for 12 months
Bonus Deposit 4.13% 4.13% 4.13% 4.13% 4.38%
Fixed Deposit 6.80% 6.80% 6.80% 6.80% 6.80%
Effective 3 February 2016

 

Interest Rates for more than a R10 000 deposit
  >R10 000 >R15 000 >R20 000 >R25 000 >R50 000 >R100 000 +R1 000 000
Instant Access
Club Account 3.00% 3.00% 3.00% 3.05% 3.80% 4.80% 4.80%
TruSave 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75%
  >R15 000 >R25 000 >R75 000 >R250 000 >R1 000 000 >R 10 000 000 >R 25 000 000
Depositor Plus 5.45% 6.25% 6.35% 6.50% 6.55% 6.75% 6.50%
 
  >R10 000 >R15 000 >R20 000 >R25 000 >R50 000 >R100 000 +R1 000 000
  Saving plans
TargetSave 4.60% 4.60% 4.75% 4.85% 4.85% 4.85% 4.85%
FuturePlan 4.90% 4.90% 5.30% 5.80% 5.80% 5.80% 5.80%
Term Deposits for 12 months
Bonus Deposits 4.38% 4.38% 4.38% 4.38% 4.38% 4.38% 4.98%
Fixed Deposits 6.80% 6.80% 6.80% 6.80% 6.80% 7.30% 7.30%
Effective 3 February 2016
Islamic Term Deposits
Islamic Term Deposits
Term 1, 000.00 - 9, 999.99 10, 000.00 - 100, 000.00
0 - 31 Days 4.45% 4.45%
32 - 59 Days 4.55% 4.55%
60 - 89 Days 5.25% 5.30%
90 - 119 Days 5.30% 5.30%
120 - 149 Days 5.30% 5.30%
150 - 179 Days 5.55% 5.60%
180 - 209 Days 5.80% 5.85%
210 - 239 Days 5.85% 6.00%
240 - 269 Days 5.90% 6.00%
270 - 299 Days 5.90% 6.15%
300 - 329 Days 6.15% 6.15%
330 - 364 Days 6.25% 6.25%
365 - 394 Days 6.35% 6.45%
395 - 544 Days 6.35% 6.50%
545 - 577 Days 6.40% 6.50%
578 - 729 Days 6.75% 6.85%
730 - 759 Days 6.85% 7.00%
760 - 1 094 Days 7.00% 7.15%
1 095 - 1 124 Days 7.05% 7.30%
1 125 - 1 459 Days 7.25% 7.50%
1 460 - 1 825 Days 7.50% 7.80%
1 826 - 1 857 Days 8.05% 8.20%
Effective 11 December 2015
Interest Rates for fixed periods
  >8 Days 1 - 6 Months 7 - 11 Months 12 Months >13 Months 18 Months >19 Months
>R 1 000
Bonus Deposits       4.13% 4.08% 4.02%  
Fixed Deposits 2.00% 5.10% - 6.40% 6.45% 6.80% 6.80% 7.25% 7.25% - 8.85%
>R 10 000
Bonus Deposits       4.38% 4.33% 4.27%  
Fixed Deposits 2.00% 5.10% - 6.40% 6.45% 6.80% 6.80% 7.25% 7.25% - 8.85%
Effective 3 February 2016


                                                                                     Balances between R 10 000.01 & R 100 000

  6 Months 12 Months 18 Months 24 Months 36 Months
Prime Linked Account 6.75% 6.95% 7.05% 7.35% 7.75%
Effective 29 January 2016

 

Interest Rates for Notice Select
BALANCE R 1 000.00 - R 24 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.45% 5.50% 5.55% 5.60% 5.65% 5.70%
60/40 5.50% 5.55% 5.60% 5.65% 5.70% 5.75%
70/30 5.55% 5.60% 5.65% 5.70% 5.75% 5.80%
80/20 5.60% 5.65% 5.70% 5.75% 5.80% 5.85%
90/10 5.65% 5.70% 5.75% 5.80% 5.85% 5.90%
100/00 5.70% 5.75% 5.80% 5.85% 5.90% 5.95%
 
BALANCE R 25 000 - R 49 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.25% 6.28% 6.31% 6.34% 6.37% 6.42%
60/40 6.28% 6.31% 6.34% 6.37% 6.40% 6.45%
70/30 6.31% 6.34% 6.37% 6.40% 6.43% 6.47%
80/20 6.34% 6.37% 6.40% 6.43% 6.46% 6.50%
90/10 6.37% 6.40% 6.43% 6.46% 6.49% 6.52%
100/00 6.40% 6.43% 6.46% 6.49% 6.52% 6.55%
 
BALANCE R 50 000 - R 249 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.35% 6.38% 6.41% 6.44% 6.47% 6.50%
60/40 6.38% 6.41% 6.44% 6.47% 6.50% 6.53%
70/30 6.41% 6.44% 6.47% 6.50% 6.53% 6.56%
80/20 6.44% 6.47% 6.50% 6.53% 6.56% 6.59%
90/10 6.47% 6.50% 6.53% 6.56% 6.59% 6.62%
100/00 6.50% 6.53% 6.56% 6.61% 6.62% 6.65%
 
BALANCE R 250 000 – R 999 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.45% 6.47% 6.49% 6.51% 6.55% 6.60%
60/40 6.47% 6.49% 6.51% 6.55% 6.60% 6.70%
70/30 6.49% 6.51% 6.55% 6.60% 6.70% 6.75%
80/20 6.51% 6.55% 6.60% 6.70% 6.75% 6.80%
90/10 6.55% 6.60% 6.70% 6.75% 6.80% 6.90%
100/00 6.60% 6.70% 6.75% 6.80% 6.90% 6.95%
 
BALANCE R 1000,000.00 - R 9 999,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.50% 6.52% 6.54% 6.56% 6.60% 6.65%
60/40 6.52% 6.54% 6.56% 6.60% 6.65% 6.75%
70/30 6.54% 6.56% 6.60% 6.65% 6.75% 6.80%
80/20 6.56% 6.60% 6.65% 6.75% 6.80% 6.85%
90/10 6.60% 6.65% 6.75% 6.80% 6.85% 6.95%
100/00 6.65% 6.75% 6.80% 6.86% 6.95% 7.04%
 
BALANCE R 10 000 000 - R 9 999 999 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.55% 6.57% 6.59% 6.61% 6.65% 6.70%
60/40 6.57% 6.59% 6.61% 6.65% 6.70% 6.80%
70/30 6.59% 6.61% 6.65% 6.70% 6.80% 6.85%
80/20 6.61% 6.65% 6.70% 6.80% 6.85% 6.90%
90/10 6.65% 6.70% 6.80% 6.85% 6.90% 7.00%
100/00 6.70% 6.80% 6.86% 6.94% 7.00% 7.10%
 
All the above rates are effective 2 February 2016.

 

Interest rates for products no longer available for sale
Linked Rate Deposits
Term Rate
180 Days 5.49%
370 Days 5.76%
Investment Advantage
From To Rate
0.01 20, 000.00 0.00%
20, 000.01 +   6.25%
Money Builder
Balance Tiers Rate
0.01 - 999.99 3.25%
1000.00 - 19999.99 3.75%
20000.00 - 99999.99 4.60%
100000.00 - 499999.99 4.95%
500000.00 - 9999999999999.99 5.15%
Active Save
From To Rate
0.01 +   0.05%
 
Youth Save
From To Rate
0.01+   0.15%
 
Easy Save
From To Rate
0.01+   0.05%
     
Senior Save
From To Rate
0.01+   0.05%
 
Savings Call Account
From To Rate
0.01 +   1.35%
32 Day Notice
Balance Tiers Rate
0.01 - 99.99 0.00%
100.00 - 999.99 2.70%
1 000.00 - 4 999.99 3.25%
5 000.00 - 14 999.99 3.40%
15 000.00 - 24 999.99 3.45%
25 000.00 - 49 999.99 3.95%
50 000.00 + 4.40%
*The rates above are applicable from month 13 onwards. In the 1st to 6th month, the rates are 1% higher than above and from the 7th to 12th month, rates are 0.5% higher than above (for balances above R100)
 
70/30 Account
Balance Tiers Rate
0.01 - 49 999.99 0.00%
50 000.00 - 99 999.99 5.70%
100 000.00 + 6.20%
 
90/10 Account
Balance Tiers Rate
0.01 - 19 999.99 0.00%
20 000.00 - 49 999.99 5.65%
50 000.00 + 6.25%
Private Banking Money Market Account
>R100 000  
6.02%  

 

Bonus Interest rates
  > 7 Months > 12 Months >13 Months >19 Months >25 Months >37 Months
TargetSave 0.50% 1.50% 1.50% 1.50% 3.50% 5.50% - 7.00%
FuturePlan 1.00% 1.00% 2.00% 2.00% 4.00% 6.00% - 7.50%
Effective 29 January 2016

*Bonus interest is a percentage of the interest you receive at the end of each year in addition to the interest earned.

* Target Save bonus interest is applicable to accounts opened before 1 March 2008

Tax Free Products
Balance Tiers Old Rate Rate
Tax Free Savings
R 0.01 - R14 999.99 N/A 3.75%
R 15 000.00 - R 29 999.99 N/A 5.75%
R 30 000.00 + N/A 6.25%
Effective 30 January 2016
TargetSave - Age add on
Age Barriers Current rate
0 - 6 months 0.00%
7 - 12 months 0.25%
13 - 18 months 0.50%
19 - 9999 months 0.75%

*This is the additional interest you receive based on how long you have held the product

*Applicable to accounts opened on or after 1 March 2008.

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