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 0.40% 0.40% 0.40% 0.40% 1.50%
TruSave 2.50% 2.50% 2.50% 2.50% 2.50%
Mzansi 0.15%        
Saving plans with bonus interest paid on extended periods
TargetSave     3.15% 3.15% 3.15%
FuturePlan   3.05% 3.05% 3.05% 3.25%
Term Deposits for 12 months
Bonus Deposit         4.13%
Fixed Deposit         5.35%
Effective 07 March 2014

 

Interest Rates for between R1 000 and R10 000 deposits
  >R1 000 >R2 000 >R5 000 >R6 000 >R10 000
Instant Access
Club Account 1.50% 1.50% 1.50% 1.50% 1.75%
TruSave 2.50% 2.50% 2.50% 2.50% 2.50%
Saving plans with bonus interest paid on extended periods
TargetSave 3.15% 3.15% 3.15% 3.15% 3.35%
FuturePlan 3.25% 3.25% 3.25% 3.45% 3.65%
Term Deposits for 12 months
Bonus Deposit 4.13% 4.13% 4.13% 4.13% 4.38%
Fixed Deposit 5.35% 5.35% 5.35% 5.35% 5.35%
Effective 07 March 2014
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 1.75% 1.75% 1.75% 1.80% 2.80% 3.80% 3.80%
TruSave 2.50% 2.50% 2.50% 2.50% 2.50% 2.50% 2.50%
  >R15 000 >R25 000 >R75 000 >R250 000 >R1 000 000 >R 10 000 000 >R 25 000 000
Depositor Plus 4.20% 5.00% 5.10% 5.25% 5.30% 5.50% 5.25%
 
  >R10 000 >R15 000 >R20 000 >R25 000 >R50 000 >R100 000 +R1 000 000
  Saving plans with bonus interest paid on extended periods
TargetSave 3.35% 3.35% 3.50% 3.60% 3.60% 3.60% 3.60%
FuturePlan 3.65% 3.65% 4.05% 4.55% 4.55% 4.55% 4.55%
Term Deposits for 12 months
Bonus Deposits 4.38% 4.38% 4.38% 4.38% 4.38% 4.38% 4.98%
Fixed Deposits 5.35% 5.35% 5.35% 5.35% 5.35% 5.85% 6.50%
  Private Banking Exclusive
Private Bank Money Market Account       4.77% 4.77%
Effective 07 March 2014
Islamic Term Deposits
Islamic Term Deposits
Term 1, 000.00 - 9, 999.99 10, 000.00 - 100, 000.00
0 - 31 Days 1.10% 1.11%
32 - 59 Days 1.45% 1.45%
60 - 89 Days 2.71% 2.71%
90 - 119 Days 3.57% 3.57%
120 - 149 Days 4.03% 4.03%
150 - 179 Days 4.41% 4.41%
180 - 209 Days 4.93% 4.93%
210 - 239 Days 5.13% 5.13%
240 - 269 Days 5.21% 5.21%
270 - 299 Days 5.31% 5.31%
300 - 329 Days 5.41% 5.41%
330 - 364 Days 5.51% 5.51%
365 - 394 Days 5.71% 5.71%
395 - 544 Days 5.82% 5.82%
545 - 577 Days 6.01% 6.01%
578 - 729 Days 6.17% 6.17%
730 - 759 Days 6.35% 6.35%
760 - 1 094 Days 6.55% 6.55%
1 095 - 1 124 Days 6.75% 6.75%
1 125 - 1 459 Days 7.01% 7.01%
1 460 - 1 825 Days 7.45% 7.45%
1 826 - 1 857 Days 8.20% 8.20%
Effective 04 April 2014
Islamic TargetSave
*Profit share earned during 2013 and paid out in January 2014 5.25%
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 0.65% 3.59% - 5.05% 3.95% - 4.02% 5.30% 3.39% 5.70% 3.47% - 7.00%
>R 10 000
Bonus Deposits       4.38% 4.33% 4.27%  
Fixed Deposits 1.65% 4.59% - 5.05% 4.95% - 5.02% 5.30% 4.39% 5.70% 4.47% - 7.00%
Effective 07 March 2014


                                                                                     Balances between R 10 000 & R 100 000

  6 Months 12 Months 18 Months 24 Months 36 Months
Prime Linked Account 5.50% 5.70% 5.80% 6.10% 6.50%
Effective 07 March 2014
Interest Rates for Notice Select
BALANCE R 1,000.00 - R 9,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
100/00 3.30% 3.40% 3.50% 3.60% 3.70% 3.80%
90/10 3.10% 3.20% 3.30% 3.40% 3.50% 3.60%
80/20 3.00% 3.10% 3.20% 3.30% 3.40% 3.50%
70/30 2.90% 3.00% 3.10% 3.20% 3.30% 3.40%
60/40 2.80% 2.90% 3.00% 3.10% 3.20% 3.30%
50/50 2.70% 2.80% 2.90% 3.00% 3.10% 3.20%
 
BALANCE R 10,000.00 - R 24,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
100/00 4.05% 4,15% 4.25% 4.35% 4.45% 4.55%
90/10 3.85% 3.95% 4.05% 4.15% 4.25% 4.35%
80/20 3.75% 3.85% 3.95% 4.05% 4.15% 4.25%
70/30 3.65% 3.75% 3.85% 3.95% 4.05% 4.15%
60/40 3.60% 3.65% 3.75% 3.85% 3.95% 4.05%
50/50 3.55% 3.60% 3.65% 3.75% 3.85% 3.95%
 
BALANCE R 25,000.00 - R 49,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
100/00 4.30% 4.40% 4.50% 4.60% 4.70% 4.80%
90/10 4.10% 4.20% 4.30% 4.40% 4.50% 4.60%
80/20 4.00% 4.10% 4.20% 4.30% 4.40% 4.50%
70/30 3.90% 4.00% 4.10% 4.20% 4.30% 4.40%
60/40 3.80% 3.90% 4.00% 4.10% 4.20% 4.30%
50/50 3.70% 3.80% 3.90% 4.00% 4.10% 4.20%
 
BALANCE R 50,000.00 - R 249,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
100/00 4.95% 5.10% 5.20% 5.35% 5.45% 5.55%
90/10 4.70% 4.85% 5.00% 5.10% 5.25% 5.35%
80/20 4.55% 4.70% 4.85% 5.00% 5.10% 5.25%
70/30 4.40% 4.55% 4.70% 4.85% 5.00% 5.10%
60/40 4.25% 4.40% 4.55% 4.70% 4.85% 5.00%
50/50 4.10% 4.25% 4.40% 4.55% 4.70% 4.85%
 
BALANCE R 250,000.00 - R 999,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
100/00 5.10% 5.20% 5.30% 5.45% 5.55% 5.65%
90/10 4.85% 4.95% 5.10% 5.20% 5.35% 5.45%
80/20 4.75% 4.85% 4.95% 5.10% 5.20% 5.35%
70/30 4.65% 4.75% 4.85% 4.95% 5.10% 5.20%
60/40 4.55% 4.65% 4.75% 4.85% 4.95% 5.10%
50/50 4.50% 4.60% 4.70% 4.80% 4.90% 5.00%
 
BALANCE R 1,000,000.00 - R 4,999,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
100/00 5.20% 5.30% 5.40% 5.55% 5.65% 5.75%
90/10 5.00% 5.10% 5.20% 5.30% 5.45% 5.55%
80/20 4.90% 5.00% 5.10% 5.20% 5.30% 5.45%
70/30 4.80% 4.90% 5.00% 5.10% 5.20% 5.30%
60/40 4.70% 4.80% 4.90% 5.00% 5.10% 5.20%
50/50 4.60% 4.70% 4.80% 4.90% 5.00% 5.10%
 
BALANCE R 5,000,000.00 - R 9,999,999,99
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
100/00 5.32% 5.41% 5.51% 5.61% 5.70% 5.79%
90/10 5.18% 5.27% 5.35% 5.44% 5.52% 5.60%
80/20 5.15% 5.22% 5.30% 5.38% 5.45% 5.52%
70/30 5.11% 5.17% 5.24% 5.31% 5.37% 5.44%
60/40 5.07% 5.13% 5.19% 5.25% 5.30% 5.35%
50/50 5.04% 5.08% 5.13% 5.18% 5.22% 5.27%
 
BALANCE R 10,000,000.00 +
  Number of Days invested
  15 32 45 60 75 90
100/00 5.42% 5.51% 5.61% 5.69% 5.75% 5.85%
90/10 5.28% 5.37% 5.45% 5.54% 5.62% 5.70%
80/20 5.25% 5.32% 5.40% 5.48% 5.55% 5.62%
70/30 5.21% 5.27% 5.34% 5.41% 5.47% 5.54%
60/40 5.17% 5.23% 5.29% 5.35% 5.40% 5.45%
50/50 5.14% 5.18% 5.23% 5.28% 5.32% 5.37%
All the above rates are effective 07 February 2014.
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 +   5.00%
Money Builder
Balance Tiers Rate
0.01 - 999.99 2.00%
1000.00 - 19999.99 2.50%
20000.00 - 99999.99 3.35%
100000.00 - 499999.99 3.70%
500000.00 - 9999999999999.99 3.90%
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 +   0.35%
32 Day Notice
Balance Tiers Rate
0.01 - 99.99 0.00%
100.00 - 999.99 1.45%
1 000.00 - 4 999.99 2.00%
5 000.00 - 14 999.99 2.15%
15 000.00 - 24 999.99 2.20%
25 000.00 - 49 999.99 2.70%
50 000.00 + 3.15%
*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 4.45%
100 000.00 + 4.95%
 
90/10 Account
Balance Tiers Rate
0.01 - 19 999.99 0.00%
20 000.00 - 49 999.99 4.40%
50 000.00 + 5.00%
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 30 January 2014

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

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