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 2017 Pricing Brochure
    Download the 2016 Pricing Brochure
    Download the 2016 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%
    Last reviewed on 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%
    Last reviewed on 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
    Easy 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%
     
    >R15 000
    >R25 000
    >R75 000
    >R100 000
    >R250 000
    >R1 000 000
    >R 10 000 000
    >R 25 000 000
    Easy Access
    Depositor Plus 5.70% 6.45% 6.55% 6.60% 6.75% 6.80% 7.00% 6.70%
     
    >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%
    Last reviewed on 16 May 2017
  • 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% 7.35% 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%
     
    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% 8.10% 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%
     
    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% 8.10% 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%

     

    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%
    Last reviewed on 24 March 2017
  • Islamic Term Deposits

    Islamic Term Deposits | Term
    1, 000.00 - 9, 999.99
    10, 000.00 - 100, 000.00
    0 - 31 Days 2.10% 2.10%
    32 - 59 Days 5.75% 5.75%
    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%
    Last reviewed on 26 October 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% 7.50% 7.35% 7.40% - 8.40%
    >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% 7.35% 7.40% - 8.90%
    Last reviewed on 24 March 2017

    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%
    Last reviewed on 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 were last reviewed on 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%
    Last reviewed on 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 Rate
    Tax Free Savings
    R 0.01 - R14 999.99 4.00%
    R 15 000.00 - R 29 999.99 6.00%
    R 30 000.00 - R 49 999.99 6.50%
    R 50 000.00 - R 74 999.99 6.55%
    R 75 000.00 - R 99 999.99 6.60%
    R 100 000.00 - R 249 999.99 6.60%
    R 250 000.00 - R 499 999.99 7.50%
    R 500 000.00 - R 9 999 999 999 999.99 7.50%
    Last reviewed on 19 May 2017

    *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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