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 1.65% 1.65% 1.65% 1.65% 3.00%
TruSave 0% 3.95% 3.95% 3.95% 3.95%
Mzansi 0.15%        
Saving plans
TargetSave     4.65% 4.65% 4.65%
FuturePlan   4.55% 4.55% 4.55% 4.75%
Term Deposits for 12 months
Bonus Deposit         6.15%
Fixed Deposit         7.10%
Effective 7 April 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 3.00% 3.00% 3.00% 3.00% 3.25%
TruSave 3.95% 3.95% 3.95% 3.95% 3.95%
Saving plans
TargetSave 4.65% 4.65% 4.65% 4.65% 4.85%
FuturePlan 4.75% 4.75% 4.75% 4.95% 5.15%
Term Deposits for 12 months
Bonus Deposit 6.15% 6.15% 6.15% 6.15% 6.30%
Fixed Deposit 7.35% 7.35% 7.35% 7.35% 7.35%
Effective 25 June 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 3.25% 3.25% 3.25% 3.30% 4.05% 5.05% 5.05%
TruSave 3.95% 3.95% 3.95% 3.95% 3.95% 3.95% 3.95%
 
  >R10 000 >R15 000 >R20 000 >R25 000 >R50 000 >R100 000 +R1 000 000
  Saving plans
TargetSave 4.85% 4.85% 5.00% 5.10% 5.10% 5.10% 5.10%
FuturePlan 5.15% 5.15% 5.55% 6.05% 6.05% 6.05% 6.05%
Term Deposits for 12 months
Bonus Deposits 6.30% 6.30% 6.30% 6.30% 6.30% 6.80% 7.00%
Fixed Deposits 7.35% 7.35% 7.35% 7.35% 7.35% 7.85% 7.90%
  >R15 000 >R25 000 >R75 000 >R100 000 >R250 000 >R1 000 000 >R 10 000 000 >R 25 000 000
Depositor Plus 5.70% 6.45% 6.55% 6.60% 6.75% 6.80% 7.00% 6.70%
Effective 25 June 2016
Interest Rates for Dynamic Fixed Deposit
Fixed Rate
Balance R1 000.00 - R100 000.00
Investment Period 6 Months 12 Months 18 Months 24 Months 36 Months 60 Months
No of Days 0180 - 0209 0365 - 0394 0545 - 0577 0730 - 0759 1095 - 1124 1826 - 1857
Liquidity Option            
100/0 7.20% 7.35% 7.50% 8.10% 8.50% 9.00%
90/10 6.95% 7.10% 7.25% 7.85% 8.25% 8.50%
80/20 6.90% 7.05% 7.20% 7.80% 8.15% 8.45%
70/30 6.85% 7.00% 7.15% 7.75% 7.97% 8.40%
60/40 6.80% 6.95% 7.10% 7.70% 7.79% 8.35%
50/50 6.75% 6.90% 7.05% 7.65% 7.62% 8.30%
 
Balances R100 001.00 - R999 999.99
Investment Period 6 Months 12 Months 18 Months 24 Months 36 Months 60 Months
No of Days 0180 - 0209 0365 - 0394 0545 - 0577 0730 - 0759 1095 - 1124 1826 - 1857
Liquidity Option            
100/0 7.25% 7.85% 8.25% 8.60% 9.00% 9.50%
90/10 7.00% 7.60% 8.00% 8.35% 8.60% 9.00%
80/20 6.95% 7.55% 7.95% 8.30% 8.40% 8.95%
70/30 6.90% 7.50% 7.90% 8.25% 8.30% 8.90%
60/40 6.85% 7.45% 7.85% 8.20% 8.25% 8.85%
50/50 6.80% 7.40% 7.80% 8.15% 8.20% 8.45%
 
Balances R1 000 000.00 - R99 999 999 999.99
Investment Period 6 Months 12 Months 18 Months 24 Months 36 Months 60 Months
No of Days 0180 - 0209 0365 - 0394 0545 - 0577 0730 - 0759 1095 - 1124 1826 - 1857
Liquidity Option            
100/0 7.30% 7.90% 8.25% 8.60% 9.00% 9.50%
90/10 7.05% 7.65% 8.00% 8.35% 8.60% 9.00%
80/20 7.00% 7.60% 7.95% 8.30% 8.40% 8.95%
70/30 6.95% 7.55% 7.90% 8.25% 8.30% 8.90%
60/40 6.90% 7.50% 7.85% 8.20% 8.25% 8.85%
50/50 6.85% 7.45% 7.80% 8.15% 8.20% 8.45%
 
Prime Linked
Balance R1 000.00 - R100 000.00
Investment Period 6 Months 12 Months 18 Months 24 Months 36 Months 60 Months
No of Days 0180 - 0209 0365 - 0394 0545 - 0577 0730 - 0759 1095 - 1124 1826 - 1857
Liquidity Option            
100/0 6.50% 6.70% 7.00% 7.45% 7.70% 7.95%
90/10 6.30% 6.50% 6.80% 7.25% 7.30% 7.55%
80/20 6.25% 6.45% 6.75% 7.20% 7.25% 7.50%
70/30 6.20% 6.40% 6.70% 7.15% 7.20% 7.45%
60/40 6.15% 6.35% 6.65% 7.10% 7.15% 7.40%
50/50 6.10% 6.30% 6.60% 7.05% 7.10% 7.35%
 
Balances R100 001.00 - R999 999.99
Investment Period 6 Months 12 Months 18 Months 24 Months 36 Months 60 Months
No of Days 0180 - 0209 0365 - 0394 0545 - 0577 0730 - 0759 1095 - 1124 1826 - 1857
Liquidity Option            
100/0 6.55% 7.20% 7.75% 7.95% 8.20% 8.45%
90/10 6.35% 7.00% 7.55% 7.75% 7.80% 8.05%
80/20 6.30% 6.95% 7.50% 7.70% 7.75% 8.00%
70/30 6.25% 6.90% 7.45% 7.65% 7.70% 7.95%
60/40 6.20% 6.85% 7.40% 7.60% 7.65% 7.90%
50/50 6.15% 6.80% 7.35% 7.55% 7.60% 7.85%
 
Balances R1 000 000.00 - R99 999 999 999.99
Investment Period 6 Months 12 Months 18 Months 24 Months 36 Months 60 Months
No of Days 0180 - 0209 0365 - 0394 0545 - 0577 0730 - 0759 1095 - 1124 1826 - 1857
Liquidity Option            
100/0 6.60% 7.20% 7.70% 7.95% 8.20% 8.45%
90/10 6.40% 7.00% 7.50% 7.75% 7.80% 8.05%
80/20 6.35% 6.95% 7.45% 7.70% 7.75% 8.00%
70/30 6.30% 6.90% 7.40% 7.65% 7.70% 7.95%
60/40 6.25% 6.85% 7.35% 7.60% 7.65% 7.90%
50/50 6.20% 6.80% 7.30% 7.55% 7.60% 7.85%
Effective: 28 June 2016
Islamic Term Deposits
Islamic Term Deposits
Term 1, 000.00 - 9, 999.99 10, 000.00 - 100, 000.00
0 - 31 Days 5.20% 5.20%
32 - 59 Days 5.70% 5.70%
60 - 89 Days 5.80% 5.80%
90 - 119 Days 6.00% 6.00%
120 - 149 Days 6.20% 6.20%
150 - 179 Days 6.20% 6.20%
180 - 209 Days 7.20% 7.20%
210 - 239 Days 7.30% 7.30%
240 - 269 Days 7.30% 7.30%
270 - 299 Days 7.30% 7.30%
300 - 329 Days 7.30% 7.30%
330 - 364 Days 7.30% 7.30%
365 - 394 Days 7.35% 7.35%
395 - 544 Days 7.50% 7.50%
545 - 577 Days 7.55% 7.55%
578 - 729 Days 7.55% 7.55%
730 - 759 Days 8.10% 8.10%
760 - 1 094 Days 8.10% 8.10%
1 095 - 1 124 Days 8.60% 8.60%
1 125 - 1 459 Days 8.60% 8.60%
1 460 - 1 825 Days 9.25% 9.25%
1 826 - 1 857 Days 9.30% 9.30%
Effective 24 June 2016
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% 5.70% - 7.20% 7.30% 7.35% 7.15% 7.50% 7.55% - 9.25%
>R 10 000
Bonus Deposits       4.38% 4.33% 4.27%  
Fixed Deposits 2.00% 5.70% - 7.20% 7.30% 7.35% 7.15% 7.50% 7.55% - 9.25%
Effective 25 June 2016


                                                                                     Balances between R 10 000.01 & R 100 000

  6 Months 12 Months 18 Months 24 Months 36 Months
Prime Linked Account 7.00% 7.20% 7.30% 7.60% 8.00%
Effective 18 March 2016
Interest Rates for Notice Select
BALANCE R 1 000.00 - R 24 999
  Notice Period
  7 Days 15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.60% 5.65% 5.70% 5.75% 5.80% 5.85% 5.90%
60/40 5.65% 5.70% 5.75% 5.80% 5.85% 5.90% 5.95%
70/30 5.70% 5.75% 5.80% 5.85% 5.90% 5.95% 6.00%
80/20 5.75% 5.80% 5.85% 5.90% 5.95% 6.00% 6.05%
90/10 5.80% 5.85% 5.90% 5.95% 6.00% 6.05% 6.10%
100/0 5.90% 5.95% 6.00% 6.05% 6.10% 6.15% 6.20%
 
BALANCE R 25 000 - R 49 999
  Notice Period
  7 Days 15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.42% 6.45% 6.48% 6.51% 6.54% 6.57% 6.62%
60/40 6.45% 6.48% 6.51% 6.54% 6.57% 6.60% 6.65%
70/30 6.48% 6.51% 6.54% 6.57% 6.60% 6.63% 6.67%
80/20 6.51% 6.54% 6.57% 6.60% 6.63% 6.66% 6.70%
90/10 6.54% 6.57% 6.60% 6.63% 6.66% 6.69% 6.72%
100/00 6.62% 6.65% 6.68% 6.71% 6.74% 6.77% 6.80%
 
BALANCE R 50 000 - R 249 999
  Notice Period
  7 Days 15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.50% 6.55% 6.58% 6.61% 6.64% 6.67% 6.70%
60/40 6.53% 6.58% 6.61% 6.64% 6.67% 6.70% 6.73%
70/30 6.56% 6.61% 6.64% 6.67% 6.70% 6.73% 6.76%
80/20 6.5% 6.64% 6.67% 6.70% 6.73% 6.76% 6.79%
90/10 6.62% 6.67% 6.70% 6.73% 6.76% 6.79% 6.82%
100/00 6.70% 6.75% 6.78% 6.81% 6.86% 6.87% 6.90%
 
BALANCE R 250 000 – R 999 999
  Notice Period
  7 Days 15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.60% 6.65% 6.67% 6.69% 6.71% 6.75% 6.80%
60/40 6.62% 6.67% 6.69% 6.71% 6.75% 6.80% 6.90%
70/30 6.64% 6.69% 6.71% 6.75% 6.80% 6.90% 6.95%
80/20 6.66% 6.71% 6.75% 6.80% 6.90% 6.95% 7.00%
90/10 6.70% 6.75% 6.80% 6.90% 6.95% 7.00% 7.10%
100/00 6.80% 6.85% 6.95% 7.00% 7.05% 7.15% 7.20%
 
BALANCE R 1000,000.00 - R 9 999,999,99
  Notice Period
  7 Days 15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.68% 6.70% 6.72% 6.74% 6.76% 6.80% 6.85%
60/40 6.70% 6.72% 6.74% 6.76% 6.80% 6.85% 6.95%
70/30 6.72% 6.74% 6.76% 6.80% 6.85% 6.95% 7.00%
80/20 6.74% 6.76% 6.80% 6.85% 6.95% 7.00% 7.05%
90/10 6.78% 6.80% 6.85% 6.95% 7.00% 7.05% 7.15%
100/00 6.88% 6.90% 7.00% 7.05% 7.11% 7.20% 7.29%
 
BALANCE R 10 000 000 - R 9 999 999 999
  Notice Period
  7 Days 15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 6.70% 6.75% 6.77% 6.79% 6.81% 6.85% 6.90%
60/40 6.72% 6.77% 6.79% 6.81% 6.85% 6.90% 7.00%
70/30 6.74% 6.79% 6.81% 6.85% 6.90% 7.00% 7.05%
80/20 6.76% 6.81% 6.85% 6.90% 7.00% 7.05% 7.10%
90/10 6.80% 6.85% 6.90% 7.00% 7.05% 7.10% 7.20%
100/00 6.90% 6.95% 7.05% 7.11% 7.19% 7.25% 7.35%
 
All the above rates are effective 19 March 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 +   6.50%
Money Builder
Balance Tiers Rate
0.01 - 999.99 3.50%
1000.00 - 19999.99 3.90%
20000.00 - 99999.99 4.70%
100000.00 - 499999.99 5.20%
500000.00 - 9999999999999.99 5.40%
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 +   1.55%
32 Day Notice
Balance Tiers Rate
0.01 - 99.99 0.00%
100.00 - 999.99 2.90%
1 000.00 - 4 999.99 3.45%
5 000.00 - 14 999.99 3.60%
15 000.00 - 24 999.99 3.65%
25 000.00 - 49 999.99 4.15%
50 000.00 + 4.60%
*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 5.95%
100 000.00 + 6.45%
 
90/10 Account
Balance Tiers Rate
0.01 - 19 999.99 0.00%
20 000.00 - 49 999.99 5.85%
50 000.00 + 6.45%
Private Banking Money Market Account
>R100 000  
6.27%  

 

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 4.00%
R 15 000.00 - R 29 999.99 N/A 6.00%
R 30 000.00 + N/A 6.50%
Effective 19 March 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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