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Capitec Fixed Deposit

4.4 (187 reviews)

Capitec fixed deposit South Africa: from R10,000, interest rate up to 10.25% per year, terms 3 to 60 months. Protected by the Deposit Insurance Scheme. Review on CreditDeals.

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This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.

Capitec Bank App — Manage Your Fixed Deposits

The Capitec app allows you to easily open, view, and manage your Fixed Term Savings Plans directly from your smartphone.

Managing Capitec Fixed Deposits on mobile

The Capitec Bank app is central to managing your Global One account and associated savings plans.

Fixed Deposit features in the app

  1. Instant Opening: You can transfer funds from your main transactional account into a new Fixed Term Savings Plan in seconds.
  2. Interest Tracking: The app clearly displays your initial investment, the interest rate, and the total interest earned to date.
  3. Maturity Instructions: Easily set instructions for what should happen when the term ends — whether to reinvest the principal and interest, or have it paid into your main account.

Security and Access

The app requires a verified device and uses biometric authentication. It is zero-rated for data, ensuring you can always access your savings information.

Sultan Kanatov, Editor-in-Chief, CreditDeals
Author
Sultan Kanatov
Editor-in-Chief, CreditDeals
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Verified by: CreditDeals Editorial Team
Published: 10 February 2026
Updated: 01 May 2026

This article is for informational purposes only and does not constitute financial advice. All lenders on CreditDeals are registered with NCR. Please read the contract carefully before signing. rating methodology.

Reviews about Capitec Fixed Deposit (1)

T
Thabo M.
4/10/2026
✓ Verified

Best fixed deposit rate in SA

Opened a 12-month fixed deposit with Capitec at 9.75%. The Deposit Insurance Scheme protects my money. The app makes it easy to track interest accrual. Will definitely renew when it matures.

✓ Pros
  • • High interest rate
  • • Deposit insurance protection
  • • Easy management via app
✗ Cons
  • • Early withdrawal forfeits interest
  • • Minimum R10,000 required

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Capitec Fixed Deposit — Deposit money

Capitec fixed deposit South Africa: from R10,000, interest rate up to 10.25% per year, terms 3 to 60 months. Protected by the Deposit Insurance Scheme. Review on CreditDeals.

Visit website

This button goes straight to the lender. There is no partner link here and we earn nothing from the click. The rating on this page is an editorial score.