How it works
RandRate is a comparison service. We ask a few short questions about what you're looking for, then help you explore the fixed-rate options that may be relevant — in plain language, with no obligation and no pressure.
The process
01
Choose your investment amount and preferred term.
You start with two simple choices: roughly how much you're thinking of investing, and how long you'd be comfortable leaving it invested. You don't need exact figures — ranges are enough to narrow things down.
02
Your preferences help identify fixed-rate opportunities that may be relevant.
Different products have different minimum amounts, terms and conditions, so your answers help filter out options that wouldn't apply to your situation.
03
Review important information about rates, terms, conditions and risks.
The rate is only part of the picture. Access conditions, the term, what happens at maturity and the nature of the underlying product all matter, and all of it should be read in the product's own documentation.
04
There's no obligation to proceed simply because you've requested information.
Requesting a comparison is a research step, not an application. You are free to take the information away, compare it elsewhere, speak to your own adviser, or do nothing at all.
Good to know
Fixed-rate products generally expect your money to stay invested for the full term. Before choosing a longer term, consider whether you might need access to some of the money sooner — and keep a separate, accessible amount for emergencies where possible.
Two products advertising a similar rate can differ in how interest is calculated and paid, whether it can be reinvested, the minimum amount required, and what happens at the end of the term.
Fixed-rate products are issued by different types of institutions and structured in different ways. The risks — including risk to your capital — depend on the specific product and issuer, so read the product documentation.
Some products allow early access under certain conditions, sometimes with a cost or notice period; others don't allow it at all. This is set out in the terms of the specific product.
Ask what happens when the term ends — whether the investment rolls over automatically, at what rate, and what notice you need to give if you want to withdraw.
General information can help you compare, but it can't take your personal circumstances into account. If you're unsure, consider speaking to an appropriately licensed financial adviser.
Information on this website is general in nature and is provided for information purposes only. It does not take your personal circumstances, objectives or needs into account and should not be treated as personalised financial advice or a recommendation. Investment products can involve risk, including risk to your capital, depending on the product. Rates, terms, conditions, minimum amounts and availability can change and can differ between providers and products. You should review the applicable product information, terms and conditions — and consider obtaining independent advice — before making any decision.
Your Rand. Your Rate.
Answer three short questions and complete your comparison request.
Free comparison · Takes less than 60 seconds