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 0.65% 0.65% 0.65% 0.65% 2.00%
TruSave 0% 3.00% 3.00% 3.00% 3.00%
Mzansi 0.15%        
Saving plans
TargetSave     3.65% 3.65% 3.65%
FuturePlan   3.55% 3.55% 3.55% 3.75%
Term Deposits for 12 months
Bonus Deposit         4.13%
Fixed Deposit         6.10%
Effective 29 August 2015
Interest Rates for between R1 000 and R10 000 deposits
  >R1 000 >R2 000 >R5 000 >R6 000 >R10 000
Instant Access
Club Account 2.00% 2.00% 2.00% 2.00% 2.25%
TruSave 3.00% 3.00% 3.00% 3.00% 3.00%
Saving plans
TargetSave 3.65% 3.65% 3.65% 3.65% 3.85%
FuturePlan 3.75% 3.75% 3.75% 3.95% 4.15%
Term Deposits for 12 months
Bonus Deposit 4.13% 4.13% 4.13% 4.13% 4.38%
Fixed Deposit 6.10% 6.10% 6.10% 6.10% 6.50%
Effective 29 August 2015
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 2.25% 2.25% 2.25% 2.30% 3.05% 4.05% 4.05%
TruSave 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%
  >R15 000 >R25 000 >R75 000 >R250 000 >R1 000 000 >R 10 000 000 >R 25 000 000
Depositor Plus 4.70% 5.50% 5.60% 5.75% 5.80% 6.00% 5.75%
 
  >R10 000 >R15 000 >R20 000 >R25 000 >R50 000 >R100 000 +R1 000 000
  Saving plans
TargetSave 3.85% 3.85% 4.00% 4.10% 4.10% 4.10% 4.10%
FuturePlan 4.15% 4.15% 4.55% 5.05% 5.05% 5.05% 5.05%
Term Deposits for 12 months
Bonus Deposits 4.38% 4.38% 4.38% 4.38% 4.38% 4.38% 4.98%
Fixed Deposits 6.50% 6.50% 6.50% 6.50% 6.50% 7.00% 7.00%
Effective 29 August 2015
Islamic Term Deposits
Islamic Term Deposits
Term 1, 000.00 - 9, 999.99 10, 000.00 - 100, 000.00
0 - 31 Days 4.11% 4.11%
32 - 59 Days 4.11% 4.15%
60 - 89 Days 5.25% 5.25%
90 - 119 Days 5.25% 5.25%
120 - 149 Days 5.25% 5.30%
150 - 179 Days 5.55% 5.55%
180 - 209 Days 5.80% 5.85%
210 - 239 Days 5.85% 5.85%
240 - 269 Days 5.90% 5.95%
270 - 299 Days 5.90% 6.05%
300 - 329 Days 6.00% 6.10%
330 - 364 Days 6.25% 6.25%
365 - 394 Days 6.30% 6.30%
395 - 544 Days 6.30% 6.30%
545 - 577 Days 6.35% 6.35%
578 - 729 Days 6.55% 6.80%
730 - 759 Days 6.65% 6.85%
760 - 1 094 Days 6.80% 7.10%
1 095 - 1 124 Days 6.90% 7.20%
1 125 - 1 459 Days 7.00% 7.30%
1 460 - 1 825 Days 7.30% 7.60%
1 826 - 1 857 Days 7.80% 8.00%
Effective 26 June 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 0.75% 4.04% - 5.45% 4.55% - 4.62% 6.10% 4.24% 6.00% 3.97% - 7.45%
>R 10 000
Bonus Deposits       4.38% 4.33% 4.27%  
Fixed Deposits 1.75% 4.93% - 6.00% 5.55% - 5.62% 6.50% 5.24% 6.50% 4.97% - 7.65%
Effective 29 August 2015


                                                                                     Balances between R 10 000 & R 100 000

  6 Months 12 Months 18 Months 24 Months 36 Months
Prime Linked Account 6.00% 6.20% 6.30% 6.60% 7.00%
Effective 24 July 2015
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 4.70% 4.75% 4.80% 4.85% 4.90% 4.95%
60/40 4.75% 4.80% 4.85% 4.90% 4.95% 5.00%
70/30 4.80% 4.85% 4.90% 4.95% 5.00% 5.05%
80/20 4.85% 4.90% 4.95% 5.00% 5.05% 5.10%
90/10 4.90% 4.95% 5.00% 5.05% 5.10% 5.15%
100/00 4.95% 5.00% 5.05% 5.10% 5.15% 5.20%
 
BALANCE R 25 000 - R 49 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.50% 5.53% 5.56% 5.59% 5.62% 5.67%
60/40 5.53% 5.56% 5.59% 5.62% 5.65% 5.70%
70/30 5.56% 5.59% 5.62% 5.65% 5.68% 5.72%
80/20 5.59% 5.62% 5.65% 5.68% 5.71% 5.75%
90/10 5.62% 5.65% 5.68% 5.71% 5.74% 5.77%
100/00 5.65% 5.68% 5.71% 5.74% 5.77% 5.80%
 
BALANCE R 50 000 - R 249 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.60% 5.63% 5.66% 5.69% 5.72% 5.75%
60/40 5.63% 5.66% 5.69% 5.72% 5.75% 5.78%
70/30 5.66% 5.69% 5.72% 5.75% 5.78% 5.81%
80/20 5.69% 5.72% 5.75% 5.78% 5.81% 5.84%
90/10 5.72% 5.75% 5.78% 5.81% 5.84% 5.87%
100/00 5.75% 5.78% 5.81% 5.86% 5.87% 5.90%
 
BALANCE R 250 000 – R 999 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.70% 5.72% 5.74% 5.76% 5.80% 5.85%
60/40 5.72% 5.74% 5.76% 5.80% 5.85% 5.95%
70/30 5.74% 5.76% 5.80% 5.85% 5.95% 6.00%
80/20 5.76% 5.80% 5.85% 5.95% 6.00% 6.05%
90/10 5.80% 5.85% 5.95% 6.00% 6.05% 6.15%
100/00 5.85% 5.95% 6.00% 6.05% 6.15% 6.20%
 
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 5.75% 5.77% 5.79% 5.81% 5.85% 5.90%
60/40 5.77% 5.79% 5.81% 5.85% 5.90% 6.00%
70/30 5.79% 5.81% 5.85% 5.90% 6.00% 6.05%
80/20 5.81% 5.85% 5.90% 6.00% 6.05% 6.10%
90/10 5.85% 5.90% 6.00% 6.05% 6.10% 6.20%
100/00 5.90% 6.00% 6.05% 6.11% 6.20% 6.29%
 
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 5.80% 5.82% 5.84% 5.86% 5.90% 5.95%
60/40 5.82% 5.84% 5.86% 5.90% 5.95% 6.05%
70/30 5.84% 5.86% 5.90% 5.95% 6.05% 6.10%
80/20 5.86% 5.90% 5.95% 6.05% 6.10% 6.15%
90/10 5.90% 5.95% 6.05% 6.10% 6.15% 6.25%
100/00 5.95% 6.05% 6.11% 6.19% 6.25% 6.35%
 
All the above rates are effective 28 July 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 +   5.50%
Money Builder
Balance Tiers Rate
0.01 - 999.99 2.50%
1000.00 - 19999.99 3.00%
20000.00 - 99999.99 3.85%
100000.00 - 499999.99 4.20%
500000.00 - 9999999999999.99 4.40%
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 +   0.75%
32 Day Notice
Balance Tiers Rate
0.01 - 99.99 0.00%
100.00 - 999.99 1.95%
1 000.00 - 4 999.99 2.50%
5 000.00 - 14 999.99 2.65%
15 000.00 - 24 999.99 2.70%
25 000.00 - 49 999.99 3.20%
50 000.00 + 3.65%
*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 4.95%
100 000.00 + 5.45%
 
90/10 Account
Balance Tiers Rate
0.01 - 19 999.99 0.00%
20 000.00 - 49 999.99 4.90%
50 000.00 + 5.50%
Private Banking Money Market Account
>R100 000 +R1 000 000
5.02% 5.02%

 

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 19 July 2014

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

Tax Free Products
Balance Tiers Old Rate Rate
Tax Free Savings
R 0.01 - R14 999.99 N/A 3.00%
R 15 000.00 - R 29 999.99 N/A 5.00%
R 30 000.00 + N/A 5.50%
Effective 25 July 2015
Business Rates & Fees

Business Current Accounts Rates & Fees

We believe in transparent rates and fees structures that are designed to suit your pocket – which means that you can concentrate on running your business and not on unexpected fees and charges

 
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Whatever your small business credit requirements are, we can offer you a variety of business credit cards at a rate that is suitable to you

 
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Business Packages Rates & Fees

Everything you need to grow your business with confidence, in one package, combining a current account with expert advice seminars, networking opportunities, software and training courses

 
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We are dedicated to growing your business – whether it be small or large - and offer you a wide range of solutions to suit your specific needs and requirements

 
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Business Ways to Bank Rates & Fees

We offer you a number of ways to bank with choices on price options, so that you manage your transactions efficiently and conveniently

 
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