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% 1.75%
TruSave 2.75% 2.75% 2.75% 2.75% 2.75%
Mzansi 0.15%        
Saving plans with bonus interest paid on extended periods
TargetSave     3.40% 3.40% 3.40%
FuturePlan   3.30% 3.30% 3.30% 3.50%
Term Deposits for 12 months
Bonus Deposit         4.13%
Fixed Deposit         5.55%
Effective 07 August 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 1.75% 1.75% 1.75% 1.75% 2.00%
TruSave 2.75% 2.75% 2.75% 2.75% 2.75%
Saving plans with bonus interest paid on extended periods
TargetSave 3.40% 3.40% 3.40% 3.40% 3.60%
FuturePlan 3.50% 3.50% 3.50% 3.70% 3.90%
Term Deposits for 12 months
Bonus Deposit 4.13% 4.13% 4.13% 4.13% 4.38%
Fixed Deposit 5.55% 5.55% 5.55% 5.55% 5.90%
Effective 07 August 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 2.00% 2.00% 2.00% 2.05% 2.80% 3.80% 3.80%
TruSave 2.75% 2.75% 2.75% 2.75% 2.75% 2.75% 2.75%
  >R15 000 >R25 000 >R75 000 >R250 000 >R1 000 000 >R 10 000 000 >R 25 000 000
Depositor Plus 4.45% 5.25% 5.35% 5.50% 5.55% 5.75% 5.50%
 
  >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 3.60% 3.60% 3.75% 3.85% 3.85% 3.85% 3.85%
FuturePlan 3.90% 3.90% 4.30% 4.80% 4.80% 4.80% 4.80%
Term Deposits for 12 months
Bonus Deposits 4.38% 4.38% 4.38% 4.38% 4.38% 4.38% 4.98%
Fixed Deposits 5.90% 5.90% 5.90% 5.90% 5.90% 6.40% 6.70%
  Private Banking Exclusive
Private Bank Money Market Account       5.02% 5.02%
Effective 07 August 2014

 

Islamic Term Deposits
Islamic Term Deposits
Term 1, 000.00 - 9, 999.99 10, 000.00 - 100, 000.00
0 - 31 Days 1.40% 1.40%
32 - 59 Days 1.65% 1.65%
60 - 89 Days 2.83% 2.83%
90 - 119 Days 3.67% 3.67%
120 - 149 Days 4.23% 4.23%
150 - 179 Days 4.61% 4.61%
180 - 209 Days 5.10% 5.10%
210 - 239 Days 5.28% 5.28%
240 - 269 Days 5.36% 5.36%
270 - 299 Days 5.46% 5.46%
300 - 329 Days 5.53% 5.53%
330 - 364 Days 5.61% 5.61%
365 - 394 Days 5.81% 5.81%
395 - 544 Days 5.92% 5.92%
545 - 577 Days 6.08% 6.08%
578 - 729 Days 6.25% 6.25%
730 - 759 Days 6.43% 6.43%
760 - 1 094 Days 6.63% 6.63%
1 095 - 1 124 Days 6.83% 6.83%
1 125 - 1 459 Days 7.09% 7.09%
1 460 - 1 825 Days 7.53% 7.53%
1 826 - 1 857 Days 8.28% 8.28%
Effective 25 July 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% 3.74% - 5.20% 4.10% - 4.17% 5.55% 3.59% 5.90% 3.67% - 7.35%
>R 10 000
Bonus Deposits       4.38% 4.33% 4.27%  
Fixed Deposits 1.65% 4.74% - 5.60% 5.10% - 5.17% 5.90% 4.59% 6.20% 4.67% - 7.35%
Effective 07 August 2014


                                                                                     Balances between R 10 000 & R 100 000

  6 Months 12 Months 18 Months 24 Months 36 Months
Prime Linked Account 5.75% 5.95% 6.05% 6.35% 6.75%
Effective 18 July 2014

 

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 4.45% 4.50% 4.55% 4.60% 4.65% 4.70%
60/40 4.50% 4.55% 4.60% 4.65% 4.70% 4.75%
70/30 4.55% 4.60% 4.65% 4.70% 4.75% 4.80%
80/20 4.60% 4.65% 4.70% 4.75% 4.80% 4.85%
90/10 4.65% 4.70% 4.75% 4.80% 4.85% 4.90%
100/00 4.70% 4.75% 4.80% 4.85% 4.90% 4.95%
 
BALANCE R 25 000 - R 49 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.25% 5.28% 5.31% 5.34% 5.37% 5.42%
60/40 5.28% 5.31% 5.34% 5.37% 5.40% 5.54%
70/30 5.31% 5.34% 5.37% 5.40% 5.43% 5.47%
80/20 5.34% 5.37% 5.40% 5.43% 5.46% 5.50%
90/10 5.37% 5.40% 5.43% 5.46% 5.49% 5.52%
100/00 5.40% 5.43% 5.46% 5.49% 5.52% 5.55%
 
BALANCE R 50 000 - R 249 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.35% 5.38% 5.41% 5.44% 5.47% 5.50%
60/40 5.38% 5.41% 5.44% 5.47% 5.50% 5.53%
70/30 5.41% 5.44% 5.47% 5.50% 5.53% 5.56%
80/20 5.44% 5.47% 5.50% 5.53% 5.56% 5.59%
90/10 5.47% 5.50% 5.53% 5.56% 5.59% 5.62%
100/00 5.50% 5.53% 5.56% 5.61% 5.62% 5.65%
 
BALANCE R 250 000 – R 999 999
  Notice Period
  15 Days 32 Days 45 Days 60 Days 75 Days 90 Days
50/50 5.45% 5.47% 5.49% 5.51% 5.55% 5.60%
60/40 5.47% 5.49% 5.51% 5.55% 5.60% 5.70%
70/30 5.49% 5.51% 5.55% 5.60% 5.70% 5.75%
80/20 5.51% 5.55% 5.60% 5.70% 5.75% 5.80%
90/10 5.55% 5.60% 5.70% 5.75% 5.80% 5.90%
100/00 5.60% 5.70% 5.75% 5.80% 5.90% 5.95%
 
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 5.50% 5.52% 5.54% 5.56% 5.60% 5.65%
60/40 5.52% 5.54% 5.56% 5.60% 5.65% 5.75%
70/30 5.54% 5.56% 5.60% 5.65% 5.75% 5.80%
80/20 5.56% 5.60% 5.65% 5.75% 5.80% 5.85%
90/10 5.60% 5.65% 5.75% 5.80% 5.85% 5.95%
100/00 5.65% 5.75% 5.80% 5.86% 5.95% 6.04%
 
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 5.55% 5.57% 5.59% 5.61% 5.65% 5.70%
60/40 5.57% 5.59% 5.61% 5.65% 5.70% 5.80%
70/30 5.59% 5.61% 5.65% 5.70% 5.80% 5.85%
80/20 5.61% 5.65% 5.70% 5.80% 5.85% 5.90%
90/10 5.65% 5.70% 5.80% 5.85% 5.90% 6.00%
100/00 5.70% 5.80% 5.86% 5.94% 6.00% 6.10%
 
All the above rates are effective 23 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 +   5.25%
Money Builder
Balance Tiers Rate
0.01 - 999.99 2.25%
1000.00 - 19999.99 2.75%
20000.00 - 99999.99 3.60%
100000.00 - 499999.99 3.95%
500000.00 - 9999999999999.99 4.15%
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 +   0.55%
32 Day Notice
Balance Tiers Rate
0.01 - 99.99 0.00%
100.00 - 999.99 1.70%
1 000.00 - 4 999.99 2.25%
5 000.00 - 14 999.99 2.40%
15 000.00 - 24 999.99 2.45%
25 000.00 - 49 999.99 2.95%
50 000.00 + 3.40%
*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 4.70%
100 000.00 + 5.20%
 
90/10 Account
Balance Tiers Rate
0.01 - 19 999.99 0.00%
20 000.00 - 49 999.99 4.65%
50 000.00 + 5.25%
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.

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