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 2018 Pricing Brochure
    Download the 2018 Pricing Brochure Products no longer on sale
    Download the 2017 Pricing Brochure

  • 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

    1.40%

    1.40%

    1.40%

    1.40%

    2 .75%

    TruSave

    0%

    3.70%

    3.70%

    3.70%

    3.70%

    Mzansi

    0.15%

     

     

     

     

    Saving plans

    TargetSave

     

     

    4.40%

    4.40%

    4.40%

    FuturePlan

     

    4.30%

    4.30%

    4.30%

    4.50%

    Term Deposits for 12 months

    Bonus Deposit

     

     

     

     

    6.15%

    Fixed Deposit

     

     

     

     

    7.10%

    Last reviewed on 23 August 2017

  • Interest Rates for between R1 000 and R10 000 deposits

     

    >R1 000

    >R2 000

    >R5 000

    >R6 000

    >R10 000

    Instant Access

    Club Account

    2 .75%

    2 .75%

    2 .75%

    2.75%

    3.00%

    TruSave

    3.70%

    3.70%

    3.70%

    3.70%

    3.70%

    Saving plans

    TargetSave

    4.40%

    4.40%

    4.40%

    4.40%

    4.60%

    FuturePlan

    4.50%

    4.50%

    4.50%

    4.70%

    4.90%

    Term Deposits for 12 months

    Bonus Deposit

     

     

     

     

    6.30%

    Fixed Deposit

    7.10%

    7.10%

    7.10%

    7.10%

    7.10%

    Last reviewed on 23 August 2017

  • 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

    3.00%

    3.00%

    3.00%

    3.05%

    3.80%

    4.80%

    4.80%

    TruSave

    3.70%

    3.70%

    3.70%

    3.70%

    3.70%

    3.70%

    3.70%

     

    >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

    5.45%

    6.20%

    6.30%

    6.35%

    6.50%

    6.55%

    6.75%

    6.45%

    Investor Plus  0% 0% 0% 0% 7.25% 7.25% 7.25% 7.25%

     

    >R10 000

    >R15 000

    >R20 000

    >R25 000

    >R50 000

    >R100 000

    +R1 000 000

    Saving plans

    TargetSave

    4.60%

    4.60%

    4.75%

    4.85%

    4.85%

    4.85%

    4.85%

    FuturePlan

    4.90%

    4.90%

    5.30%

    5.80%

    5.80%

    5.80%

    5.80%

    Term Deposits for 12 months

    Fixed Deposits

    7.10%

    7.10%

    7.10%

    7.10%

    7.10%

    7.60%

    7.60%

    Last reviewed on 23 August 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 6.90% 7.10% 7.15% 7.25% 7.40% 8.10%
    90/10 6.65% 6.85% 6.90% 7.00% 7.15% 7.70%
    80/20 6.60% 6.80% 6.85% 6.95% 7.05% 7.65%
    70/30 6.55% 6.75% 6.80% 6.90% 6.90% 7.45%
    60/40 6.50% 6.70% 6.75% 6.85% 6.74% 7.30%
    50/50 6.45% 6.65% 6.70% 6.80% 6.58% 7.25%
     
    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 6.95% 7.60% 7.65% 7.75% 7.90% *8.50%
    90/10 6.70% 7.35% 7.40% 7.50% 7.55% 8.00%
    80/20 6.65% 7.30% 7.35% 7.45% 7.50% 7.80%
    70/30 6.60% 7.25% 7.30% 7.40% 7.45% 7.75%
    60/40 6.55% 7.20% 7.25% 7.35% 7.40% 7.65%
    50/50 6.50% 7.15% 7.20% 7.30% 7.35% 7.55%
    *10.50% if interest is paid out at maturity
    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 7.00% 7.60% 7.65% 7.75% 7.90% *8.50%
    90/10 6.75% 7.35% 7.40% 7.50% 7.55% 8.00%
    80/20 6.70% 7.30% 7.35% 7.45% 7.50% 7.80%
    70/30 6.65% 7.25% 7.30% 7.40% 7.45% 7.75%
    60/40 6.60% 7.20% 7.25% 7.35% 7.40% 7.65%
    50/50 6.55% 7.15% 7.20% 7.30% 7.35% 7.55%
    *10.50% if interest is paid out at maturity
    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 09 September 2017
  • Islamic Term Deposits

    Islamic Term Deposits | Term
    1, 000.00 - 9, 999.99
    10, 000.00 - 100, 000.00
    8 - 31 Days 2.00% 2.00%
    32 - 59 Days 5.71% 5.71%
    60 - 89 Days 5.81% 5.81%
    90 - 119 Days 6.03% 6.03%
    120 - 149 Days 6.25% 6.25%
    150 - 179 Days 6.27% 6.27%
    180 - 209 Days 7.00% 7.00%
    210 - 239 Days 7.18% 7.18%
    240 - 269 Days 7.20% 7.20%
    270 - 299 Days 7.22% 7.22%
    300 - 329 Days 7.24% 7.24%
    330 - 364 Days 7.26% 7.26%
    365 - 394 Days 7.36% 7.36%
    395 - 544 Days 7.43% 7.43%
    545 - 577 Days 7.56% 7.56%
    578 - 729 Days 7.69% 7.69%
    730 - 759 Days 7.83% 7.83%
    760 - 1 094 Days 7.90% 7.90%
    1 095 - 1 124 Days 8.34% 8.34%
    1 125 - 1 459 Days 8.52% 8.52%
    1 460 - 1 825 Days 9.15% 9.15%
    1 826 - 1 857 Days 10.01% 10.01%
    Last reviewed on 05 December 2017( Indicative rates at Maturity)
  • 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% - 6.90% 7.05% 7.10% 7.10% 7.15% 7.20% - 8.10%
    >R 10 000
    Bonus Deposits       4.38% 4.33% 4.27%  
    Fixed Deposits 2.00% 5.70% - 6.90% 7.05% 7.10% 7.10% 7.15% 7.20% - 8.10%
    Last reviewed on 6 September 2017

    Balances between R 10 000.01 & R 100 000

     

    6 Months

    12 Months

    18 Months

    24 Months

    36 Months

    Prime Linked Account 6.75% 6.95% 7.05% 7.35% 7.75%
    Last reviewed on 04 August 2017
  • 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

    5.35%

    5.40%

    5.45%

    5.50%

    5.55%

    5.60%

    5.65%

    60/40

    5.40%

    5.45%

    5.50%

    5.55%

    5.60%

    5.65%

    5.70%

    70/30

    5.45%

    5.50%

    5.55%

    5.60%

    5.65%

    5.70%

    5.75%

    80/20

    5.50%

    5.55%

    5.60%

    5.65%

    5.70%

    5.75%

    5.80%

    90/10

    5.55%

    5.60%

    5.65%

    5.70%

    5.75%

    5.80%

    5.85%

    100/0

    5.65%

    5.70%

    6.75%

    5.80%

    5.85%

    5.90%

    5.95%

    Balance R25 000 - R49 999

     

     

     

    Notice Period

     

     

     

     

    7 Days

    15 Days

    32 Days

    45 Days

    60 Days

    75 Days

    90 Days

    50/50

    6.17%

    6.20%

    6.23%

    6.26%

    6.29%

    6.32%

    6.37%

    60/40

    6.20%

    6.23%

    6.26%

    6.29%

    6.32%

    6.35%

    6.40%

    70/30

    6.23%

    6.26%

    6.29%

    6.32%

    6.35%

    6.38%

    6.42%

    80/20

    6.26%

    6.29%

    6.32%

    6.35%

    6.38%

    6.41%

    6.45%

    90/10

    6.29%

    6.32%

    6.35%

    6.38%

    6.41%

    6.44%

    6.47%

    100/00

    6.37%

    6.40%

    6.43%

    6.46%

    6.49%

    6.52%

    6.55%

    Balance R50 000 - R249 999

     

     

     

    Notice Period

     

     

     

     

    7 Days

    15 Days

    32 Days

    45 Days

    60 Days

    75 Days

    90 Days

    50/50

    6.25%

    6.30%

    6.33%

    6.36%

    6.39%

    6.42%

    6.45%

    60/40

    6.28%

    6.33%

    6.36%

    6.39%

    6.42%

    6.45%

    6.48%

    70/30

    6.31%

    6.36%

    6.39%

    6.42%

    6.45%

    6.48%

    6.51%

    80/20

    6.34%

    6.39%

    6.42%

    6.45%

    6.48%

    6.51%

    6.54%

    90/10

    6.37%

    6.42%

    6.45%

    6.48%

    6.51%

    6.54%

    6.57%

    100/00

    6.45%

    6.50%

    6.53%

    6.56%

    6.61%

    6.62%

    6.65%

    Balance R250 000 - R999 999

     

     

     

    Notice Period

     

     

     

     

    7 Days

    15 Days

    32 Days

    45 Days

    60 Days

    75 Days

    90 Days

    50/50

    6.35%

    6.40%

    6.42%

    6.44%

    6.46%

    6.50%

    6.55%

    60/40

    6.37%

    6.42%

    6.44%

    6.46%

    6.50%

    6.55%

    6.65%

    70/30

    6.39%

    6.44%

    6.46%

    6.50%

    6.55%

    6.65%

    6.70%

    80/20

    6.41%

    6.46%

    6.50%

    6.55%

    6.65%

    6.70%

    6.75%

    90/10

    6.45%

    6.50%

    6.55%

    6.65%

    6.70%

    6.75%

    6.85%

    100/00

    6.55%

    6.60%

    6.70%

    6.75%

    6.80%

    6.90%

    6.95%

    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

    6.43%

    6.45%

    6.47%

    6.49%

    6.51%

    6.55%

    6.60%

    60/40

    6.45%

    6.47%

    6.49%

    6.51%

    6.55%

    6.60%

    6.70%

    70/30

    6.47%

    6.49%

    6.51%

    6.55%

    6.60%

    6.70%

    6.75%

    80/20

    6.49%

    6.51%

    6.55%

    6.60%

    6.70%

    6.75%

    6.80%

    90/10

    6.53%

    6.55%

    6.60%

    6.70%

    6.75%

    6.80%

    6.90%

    100/00

    6.63%

    6.65%

    6.75%

    6.80%

    6.86%

    6.95%

    7.04%

    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

    6.45%

    6.50%

    6.52%

    6.54%

    6.56%

    6.60%

    6.65%

    60/40

    6.47%

    6.52%

    6.54%

    6.56%

    6.60%

    6.65%

    6.75%

    70/30

    6.49%

    6.54%

    6.56%

    6.60%

    6.65%

    6.75%

    6.80%

    80/20

    6.51%

    6.56%

    6.60%

    6.65%

    6.75%

    6.80%

    6.85%

    90/10

    6.55%

    6.60%

    6.65%

    6.75%

    6.80%

    6.85%

    6.95%

    100/00

    6.65%

    6.70%

    6.80%

    6.86%

    6.94%

    7.00%

    7.10%

    All the above rates were last reviewed on 21 July 2017

  • 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

    Tax Free Savings

    R 0.01 - R14 999.99

    3.75%

    R 15 000.00 - R 29 999.99

    5.75%

    R 30 000.00 - R 49 999.99

    6.25%

    R 50 000.00 - R 74 999.99

    6.30%

    R 75 000.00 - R 99 999.99

    6.35%

    R 100 000.00 - R 249 999.99

    6.35%

    R 250 000.00 - R 499 999.99

    7.25%

    R 500 000.00 - R 9 999 999 999 999.99

    7.25%

    Last reviewed on 21 July 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 +   6.25%
    Money Builder
    Balance Tiers Rate
    0.01 - 999.99 3.25%
    1000.00 - 19999.99 3.65%
    20000.00 - 99999.99 4.45%
    100000.00 - 499999.99 4.95%
    500000.00 - 9999999999999.99 5.15%
    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 +   1.30%
    32 Day Notice
    Balance Tiers Rate
    0.01 - 99.99 0.00%
    100.00 - 999.99 2.65%
    1 000.00 - 4 999.99 3.20%
    5 000.00 - 14 999.99 3.35%
    15 000.00 - 24 999.99 3.40%
    25 000.00 - 49 999.99 3.90%
    50 000.00 + 4.35%
    *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 5.70%
    100 000.00 + 6.20%
     
    90/10 Account
    Balance Tiers Rate
    0.01 - 19 999.99 0.00%
    20 000.00 - 49 999.99 5.60%
    50 000.00 + 6.20%
    Private Banking Money Market Account
    >R100 000  
    6.27%  

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