Capitec Notice Deposit Rates 2026
Capitec's notice deposit pays up to 7.00% NACM on the 32-day product and 6.50% NACM on the 7-day product (May 2026). R1 minimum, no monthly fees, top-ups allowed any time. Higher rate the bigger your balance.
32-day top rate
7.00% NACM
7-day top rate
6.50% NACM
Minimum deposit
R1
Top-ups
Allowed
Monthly fee
R0
Early access
Penalty applies
Capitec 32-day notice — full rate table
Effective 1 May 2026. NACM = nominal annual compounded monthly. Top-ups allowed any time.
| Investment amount | Interest rate |
|---|---|
| R10,000 | 6.20% |
| R25,000 | 6.65% |
| R100,000 | 6.80% |
| R250,000 | 6.95% |
| R1,000,000+ | 7.00% |
Source: Capitec save-fees-and-rates page (1 May 2026), via ratecompare.co.za snapshot.
Capitec 7-day notice — full rate table
Same family, shorter notice period. For savers who want better-than-flexible-saver yields without committing to 32 days.
| Investment amount | Interest rate |
|---|---|
| R10,000 | 4.00% |
| R25,000 | 6.10% |
| R100,000 | 6.20% |
| R250,000 | 6.40% |
| R1,000,000+ | 6.50% |
Source: Capitec save-fees-and-rates page (1 May 2026).
How notice deposits work
With a notice deposit, you tell the bank in advance that you want to withdraw — the bank then releases the funds after the notice period has elapsed (7 or 32 business days at Capitec). Until you give notice, the funds sit earning the published rate.
The trade-off is rate for flexibility: a 32-day notice pays roughly 80–100 basis points more than the equivalent instant-access account, in exchange for a one-month delay if you need to withdraw. You only pay the "notice cost" when you actually want the money — until then, your rate is locked.
Capitec lets you make multiple notices on different portions of the balance. You can also top up at any time — each top-up has its own notice clock, but the existing balance is not affected.
Key features
Capitec notice deposit vs Capitec Fixed Deposit vs Flexible Saver
| Product | Top rate | Access | Best for |
|---|---|---|---|
| Flexible Saver / Access Anytime | 5.75% | Instant | Emergency fund |
| 7-day notice | 6.50% | 7 days | Short-term goals |
| 32-day notice | 7.00% | 32 days | 3–12 month savings |
| Fixed Deposit (60m) | 7.60% | Locked (with penalty for early) | Known long-term needs |
Frequently asked questions
What is the Capitec 32-day notice account interest rate in 2026? +
What is the difference between Capitec's 30-day and 32-day notice account? +
Does Capitec offer a 60-day or 90-day notice deposit? +
Can I add to a Capitec notice deposit during the notice period? +
What's the penalty for accessing money before the notice period? +
Capitec 32-day notice vs Capitec Fixed Deposit — which is better? +
Important
This article is for information only and is not financial advice. Investments can go down as well as up — past performance is not a guide to future returns. Consider speaking to an FSCA-authorised financial advisor before investing.