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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.

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.

Reviews about Capitec Fixed Deposit (1)

T
Thabo M.
4/10/2026
✓ Проверено

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.

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

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Capitec Fixed DepositDeposit 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.