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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.

How to Access Your Capitec Fixed-Term Savings Plan Funds

Your fixed-deposit funds and earned interest are returned to your Capitec transactional account on maturity or upon early withdrawal.

Delivery Methods

Maturity — automatic credit to Capitec account

Instantly on maturity date

On the maturity date, your full capital plus all earned interest is automatically credited to your linked Capitec transactional account.

Early withdrawal (with penalty)

1 business day

You can withdraw before maturity via the Capitec app. An interest reduction penalty applies for the period of early withdrawal.

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.