We are committed to helping you increase your wealth with our wide range of saving and investing products; and offer competitive rates and fees to help in achieving your goals.

  • Savings & Investing Fees

    Automatic travel insurance when buying international return travel tickets can be topped up with a number of options for additional cover.

    Fees

    Download the 2016 Pricing Brochure
    Download the 2016 Pricing Brochure Retail Off Sale
    Download the 2015 Pricing Brochure
    Download the 2015 Pricing Brochure Retail Off Sale

  • 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         7.35%
    Effective 25 June 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         6.30%
    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
    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

    Investment Period
    6 Months
    12 Months
    18 Months
    24 Months
    36 Months
    60 Months
    Balance R1000.00 - R100 000.00 | Fixed Rate

    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%
     
    Investment Period
    6 Months
    12 Months
    18 Months
    24 Months
    36 Months
    60 Months
    Balance R100 001.00 - R999 999.99 | Fixed Rate

    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%
     
    Investment Period
    6 Months
    12 Months
    18 Months
    24 Months
    36 Months
    60 Months
    Balances R1 000 000.00 - R99 999 999 999.99 | Fixed Rate

    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%

     

    Investment Period
    6 Months
    12 Months
    18 Months
    24 Months
    36 Months
    60 Months
    Balance R1000.00 - R100 000.00 | Prime Linked

    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%

     

    Investment Period
    6 Months
    12 Months
    18 Months
    24 Months
    36 Months
    60 Months
    Balances R100 001.00 - R999 999.99 | Prime Linked

    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%
     
    Investment Period
    6 Months
    12 Months
    18 Months
    24 Months
    36 Months
    60 Months
    Balances R1 000 000.00 - R99 999 999 999.99 | Prime Linked

    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% - 9.00%
    >R 10 000
    Bonus Deposits       4.38% 4.33% 4.27%  
    Fixed Deposits 2.00% 5.70% - 7.20% 7.30% 7.35% 7.50% 7.50% 7.55% - 9.00%
    Effective 12 July 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 R1000 - R24 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 R25 000 - R49 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 R50 000 - R249 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 6.59% 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 R250 000 - R999 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 - R 9 999 999
          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.
  • 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

    *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.

  • 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.

  • 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%  

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0860 008 600