Not only can you choose the deposit amount and your investment term, but you choose how much money you want immediate access to. You could also choose to receive your interest upfront when you make the investment.

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Choose how much you invest

All you need is a minimum investment of R1 000. To receive the interest upfront, you must invest at least R100 000.01.

Immediate access to a portion of your investment

You can decide to have access to up to 50% of your money immediately.

Invest without fees

You can also choose to receive your interest monthly upfront or the maturity interest upfront when you make the investment.

Applying for the Dynamic Fixed Deposit
Applying for the Dynamic Fixed Deposit

When applying, you will need:

  • Your South African ID
  • Proof of residence

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Features of the Dynamic Fixed Deposit
What you need to know
  • Choose to have immediate access to 0%, 10%, 20%, 30%, 40% or 50% of your money.
  • Choose an interest rate that is either fixed or prime linked.
  • If you are over 55, and invest up to R100 000 for 12 months or longer, you will qualify for bonus interest.
  • If you have invested for 60 days or longer and don’t use the money in the immediate access portion, you will be eligible for bonus interest.
Features of the Dynamic Fixed Deposit
Features of the Dynamic Fixed Deposit with upfront interest
  • You will need a minimum investment of R100 000.01 to open your account.
  • You can invest for anything from 2 months to 1 year.
  • Decide whether you want to receive your interest every month in advance or the full term’s interest upfront on day of opening.
  • This applies to the 0% liquidity option and the rate is fixed for the full period

See our interest rates

Fixed rate

  • Balance R1000 - R100 000

    Fixed rate
      6 months 12 months 18 months 24 months 36 months 60 months
    Liquidity option            

    100/0

    7.20%

    7.35%

    7.35%

    7.70%

    7.90%

    8.40%

    90/10

    6.95%

    7.10%

    7.10%

    7.45%

    7.65%

    8.00%

    80/20

    6.90%

    7.05%

    7.05%

    7.40%

    7.55%

    7.95%

    70/30

    6.85%

    7.00%

    7.00%

    7.35%

    7.40%

    7.75%

    60/40

    6.80%

    6.95%

    6.95%

    7.30%

    7.24%

    7.60%

    50/50

    6.75%

    6.90%

    6.90%

    7.25%

    7.08%

    7.55%

  • Balance R100 001 - R999 999

    Fixed rate
      6 months 12 months 18 months 24 months 36 months 60 months
    Liquidity option            

    100/0

    7.25%

    7.85%

    8.10%

    8.20%

    8.40%

    8.90%

    90/10

    7.00%

    7.60%

    7.85%

    7.95%

    8.05%

    8.40%

    80/20

    6.95%

    7.55%

    7.80%

    7.90%

    8.00%

    8.20%

    70/30

    6.90%

    7.50%

    7.75%

    7.85%

    7.95%

    8.15%

    60/40

    6.85%

    7.45%

    7.70%

    7.80%

    7.90%

    8.05%

    50/50

    6.80%

    7.40%

    7.65%

    7.75%

    7.85%

    7.95%

  • Balance R1 000 000 and more

    Fixed rate
      6 months 12 months 18 months 24 months 36 months 60 months
    Liquidity option            

    100/0

    7.30%

    7.90%

    8.10%

    8.20%

    8.40%

    8.90%

    90/10

    7.05%

    7.65%

    7.85%

    7.95%

    8.05%

    8.40%

    80/20

    7.00%

    7.60%

    7.80%

    7.90%

    8.00%

    8.20%

    70/30

    6.95%

    7.55%

    7.75%

    7.85%

    7.95%

    8.15%

    60/40

    6.90%

    7.50%

    7.70%

    7.80%

    7.90%

    8.05%

    50/50

    6.85%

    7.45%

    7.65%

    7.75%

    7.85%

    7.95%
Prime-linked rate

  • Balance R1000 - R100 000

    Prime rate
      6 months 12 months 18 months 24 months 36 months 60 months
    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%

  • Balance R100 001 - R999 999

    Prime rate
      6 months 12 months 18 months 24 months 36 months 60 months
    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%

  • Balance R1 000 000 and more

    Prime rate
      6 months 12 months 18 months 24 months 36 months 60 months
    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%

Last reviewed on 30 March 2017

All interest rates are expressed as a percentage per annum.

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need help

Need more help?

Let one of our consultants help you get the best account for your needs.

Call us on:

0860 111 515

Email us at:

saving@absa.co.za

Visit your nearest branch