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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.

Deposit money

How to Open a Capitec Fixed-Term Savings Plan

Open your savings plan in minutes via the Capitec app or at any Capitec branch.

1️⃣

Log in to the Capitec app

Open the Capitec banking app on your smartphone and log in using your PIN or biometric authentication.

2️⃣

Navigate to "Savings & Investments"

Select the "Savings & Investments" section and choose "Fixed-Term Savings Plan".

3️⃣

Choose amount and term

Enter the amount you wish to deposit (from R1,000) and select your preferred term. The guaranteed interest rate and maturity amount are shown immediately.

4️⃣

Select interest payout frequency

Choose how often you want to receive interest payments: monthly, quarterly, annually or at maturity.

5️⃣

Confirm and open

Review the terms and confirm to open your savings plan. Funds are transferred from your Capitec account instantly.

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Helpful Tips

  • 💡Compare terms — longer terms offer higher rates but lock up funds for longer
  • 💡Consider a ladder strategy — split savings across multiple terms (e.g. 3, 6 and 12 months) for liquidity flexibility
  • 💡Opt for monthly interest payout if you need regular income from your savings
  • 💡Avoid early withdrawal — the interest penalty can significantly reduce your return
  • 💡Open multiple savings plans simultaneously — each earns its own fixed rate

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

Leave a Review

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.

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