Capitec Fixed Deposit Review for February 2026
Last updated 15th February 2026 by Walter
Introduction
This page summarises all the fixed deposits offered by Capitec. All the rates shown are sourced from the Capitec website - capitec.co.za. All rates shown on this page have been converted to nominal and effective annual rates! This allows you to compare rates across all banks. Yippee!
The Capitec fixed deposit interest calculator, allows you to calculate how much interest you will earn for your age, investment amount and term.
Capitec fixed deposits highlights
last updated 15th February 2026 by Walter
R10,000
min deposit
8.28%
best rate
0.6 / 10 *
rates rating
Here are Capitec's best fixed deposit rates
The best interest rate you can get at Capitec is 8.28% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .
Here are Capitec's five best fixed deposit interest rates:
| # | Min deposit | Term | Nominal | Effective |
|---|---|---|---|---|
| 1 | R1,000,000 | 60 months | 8.28% | 8.60% |
| 2 | R250,000 | 60 months | 8.19% | 8.50% |
| 3 | R50,000 | 60 months | 8.09% | 8.40% |
| 4 | R10,000 | 60 months | 8.00% | 8.30% |
| 5 | R1,000,000 | 48 months | 7.81% | 8.10% |
P
only individuals older than 55 qualify
A quick look at Capitec's fixed deposit vs industry average rates