FNB Interest Rate Review for February 2026

Last updated 15th February 2026 by Walter

Introduction

This page gives you an overview of FNB interest rates for February 2026. FNB offers:

  • Savings accounts. Saving accounts give you quick and easy access to your money.
  • Notice accounts. You will need to give FNB notice before you get access to your money. Interest rates typically higher than your savings account.
  • Fixed deposits. The interest rate for a fixed deposit investment does not fluctuate and is instead fixed throughout your investment period.

The main difference between these three options is ease of access to your money. Savings accounts will provide you with near instant access, but in return you get a lower rate of interest . Notice accounts will provide better interest rates, but you will need to give FNB notice before getting access to your money. Fixed deposits generally pay the best interest, but you commit your money for a fixed term. In case you do need to withdraw, you can still get access before your term is over but will have to pay a penalty.

FNB interest rate overview for savings, notice accounts and fixed deposits

Here is a table of interest rates available at FNB. It shows the type of account, deposit and interest rate you can get.

Name Deposit Nominal rate
Savings
R1 - 100k
5.65 - 6.25%
R100k - 250k
7 - 7.15%
Notice accounts
FNB 7 day notice
R250k - 50m
6.3%
FNB 32 day notice
R5k - 50m
6%- 7.2%
Fixed deposits
3 month
R10k - 1m
6.5%- 6.95%
6 month
R10k - 1m
6.85%- 7.2%
36 month
R10k - 1m
7.15%- 7.55%
24 month
R10k - 1m
7.15%- 7.55%
12 month
R10k - 1m
7.2%- 7.65%
60 month
R10k - 1m
7.8%- 8.15%
Check out the full FNB fixed deposit review for February 2026
Savings

FNB offers two types of savings accounts.

  • FNB Linked Savings starts with a minimum deposit of R1 and pays interest of 5.65%. The highest rate you can achieve with the FNB Linked Savings is 6.25% for savings balances over R100,000.
  • FNB Money Maximiser requires a mininum deposit of R100,000 and pays an interest rate of 7%. Balances over R250,000 get an interest rate of 7%.

Remember the primary benefit of a savings account is easy and quick access to your money.
Notice accounts

FNB offers two types of notice accounts.

  • FNB FNB 7 day notice pays an interest rate of 6.3% for balances over R250.0k
  • FNB FNB 32 day notice pays interest from 6% and up to 7.2% - for balances over R50.0m

Notice accounts pay better interest rates than savings, however, you will need to give notice to the bank before you get access to your money.
Fixed deposits

  • FNB 3 month fixed deposit pays interest from 6.5% and up to 6.95% - for balances over R1.0m
  • FNB 6 month fixed deposit pays interest from 6.85% and up to 7.2% - for balances over R1.0m
  • FNB 36 month fixed deposit pays interest from 7.15% and up to 7.55% - for balances over R1.0m
  • FNB 24 month fixed deposit pays interest from 7.15% and up to 7.55% - for balances over R1.0m
  • FNB 12 month fixed deposit pays interest from 7.2% and up to 7.65% - for balances over R1.0m
  • FNB 60 month fixed deposit pays interest from 7.8% and up to 8.15% - for balances over R1.0m

Fixed deposits typically pay better rates than savings and notice accounts. Your rate is fixed throughout the term.
PS. Check out my FNB fixed deposit calculator to find out how much interest you can earn compared to other banks for your investment amount.