Financial freedom, simplified.
Compare banks, loans, insurance, investment funds, ETFs and retirement annuities — all in one place in South Africa.
Compare SA Banks
| Bank | Savings Rate | Home Loan | Personal Loan | Monthly Fee |
|---|---|---|---|---|
| Capitec Bank | 8.25% | 10.50% | 12.25 – 27.25% | R7 |
| FNB | 6.50% | 10.50% | 12.25 – 28.25% | R109 |
| ABSA | 6.00% | 10.50% | 12.75 – 28.75% | R115 |
| Standard Bank | 6.25% | 10.50% | 12.50 – 28.50% | R99 |
| Nedbank | 6.10% | 10.50% | 12.50 – 28.00% | R95 |
| Discovery Bank | 7.75% | 10.75% | 11.25 – 22.25% | R145 |
| TymeBank | 9.50% | — | 14.50 – 28.50% | FREE |
| African Bank | 10.25% | — | 15.50 – 29.25% | FREE |
| Investec | 8.00% | 10.50% | 11.25 – 17.50% | R695 |
| Mercantile Bank | 7.00% | 10.50% | 12.50 – 28.00% | R89 |
Personal & Student Loans
Personal Loans 2026
Rates vary by credit score and income. Always verify directly with the bank.
| Bank | Rate Range | Min – Max | Best For |
|---|---|---|---|
| Capitec Bank | 12.25 – 27.25% | R1k – R250k | Easy approval, low fees |
| FNB | 12.25 – 28.25% | R3k – R300k | eBucks rewards |
| Discovery Bank | 11.25 – 22.25% | R5k – R250k | Lowest max rate |
| Standard Bank | 12.50 – 28.50% | R3k – R300k | Large amounts |
| Investec | 11.25 – 17.50% | R50k – R500k | Best rates for affluent |
Student Loans 2026
📚 Apply for NSFAS first! It offers interest-free bursaries for qualifying students at public universities.
| Provider | Interest Rate | Max Amount | Grace Period |
|---|---|---|---|
| NSFAS 🏆 | 0% (Bursary) | Full cost of study | No repayment during studies |
| Standard Bank | 13.75 – 15.75% | R100,000/year | 12 months after grad |
| Capitec Bank | 12.25 – 27.25% | R250,000 | Repay immediately |
| Discovery Bank | 12.75 – 17.75% | R80,000/year | 6 months after grad |
Car Insurance Comparison
Pro tip: Drivers under 26 pay 30–60% more. Go telematics to save up to 40%.
| Insurer | Under 26 | Over 26 | Excess | Special Feature |
|---|---|---|---|---|
| Naked Insurance | R680–R1,100 | R450–R850 | R2.5k–3.5k | No age penalty |
| OUTsurance | R850–R1,500 | R480–R900 | R3.5k–5k | Cash rewards |
| King Price | R720–R1,250 | R460–R880 | R3k–3.75k | Decreasing premium |
| Discovery Insure | R750–R1,350 | R500–R950 | R3.5k–4.5k | Vitality benefits |
| Santam | R900–R1,600 | R520–R1,000 | R4k–5.5k | Largest network |
| Budget Insurance | R620–R1,050 | R420–R800 | R2.5k–3k | Lowest cost |
💡 How to Lower Your Premium
- Install a tracker: Netstar, Tracker SA → save R100–300/month
- Protect your no-claims bonus: After 5 years → save 25–50%
- Go telematics: Naked, King Price → reward safe driving
- Bundle policies: Car + home → 10–15% off all policies
- Review annually: Your car depreciates. Don’t overpay.
Loan Repayment Calculator
Your Loan Details
R 50,000
24
15.75%
Your Monthly Repayment
Monthly Payment
R 0
Total Repayable
R 0
Total Interest
R 0
SARB Prime Rate Tracker
Current Prime Rate
10.50%
Effective 28 May 2026
Repo Rate
7.00%
As of June 2026
Rate History
| Date | Prime Rate | Change |
|---|---|---|
| May 2026 | 10.50% | ↑ +0.25% (first hike since 2023) |
| March 2026 | 10.25% | Held |
| January 2026 | 10.25% | Held |
| November 2025 | 10.25% | ↓ -0.25% |
| September 2025 | 10.50% | ↓ -0.25% |
| July 2025 | 10.75% | ↓ -0.25% |
What This Means for You
Home Loans: Your rate = Prime + 0%. At 10.50%, you pay ~R10k per R1M borrowed over 20 years.
Savings: Fixed deposits at 8–10% p.a. are very competitive right now.
Personal Loans: Banks add 1–16% margin. Expect 11–27% depending on your credit score.
Insurance Premium Estimator
Get a personalised estimate for your car insurance premium based on your profile.
Your Vehicle & Profile
R 200,000
28
5 years
Your Estimate
Estimated Monthly Premium
R 0
Adjust the sliders to calculate
Financial Health Score
Get a personalized score (0–100) and actionable advice to improve your financial health.
Your Financial Profile
R 300,000
R 10,000
R 50,000
R 20,000
R 3,000
Your Financial Health
Overall Score
0/100
Enter your details
Find Your Perfect Match
Answer 5 quick questions to get personalized recommendations for banks, loans, and investments.
Bond Originator Connect
Buying a home? A bond originator submits your application to multiple banks at once to secure you the best possible rate — and it's free to you. Or, if you're an originator, get matched with home buyers actively looking.
💡 How it works: Tell us a bit about your home-loan needs. We'll connect you with an independent, registered bond originator who shops your application across South Africa's major banks — at no cost to you.
⚖️ Please note: Vryn is an information & matching platform, not a registered FSP. Bond originators are independent and responsible for their own FSCA compliance. Using a bond originator is free to home buyers — originators are paid by the bank on a successful bond. Always confirm terms directly.
Compare Investment Funds
Explore South Africa's top-performing investment funds from award-winning managers. Use the filters to narrow down to funds that fit your goals.
| Fund Manager | Fund Name | Type | 3-Year Return | Fee (TER) | Min Investment |
|---|---|---|---|---|---|
| Granate Asset Management | Granate Balanced Fund | Balanced | 18.87% p.a. | 0.95% | R500 |
| PSG Asset Management | PSG Growth Fund of Funds | Growth | 18.24% p.a. | 1.20% | R1,000 |
| Coronation Fund Managers | Coronation Top 20 Fund | Equity | 17.85% p.a. | 0.85% | R500 |
| Allan Gray | Allan Gray Balanced Fund | Balanced | 16.45% p.a. | 1.50% | R5,000 |
| Investec Asset Management | Investec Equity Fund | Equity | 15.92% p.a. | 1.25% | R10,000 |
| Fairtree Asset Management | Fairtree SA Equity Fund | Equity | 15.50% p.a. | 1.10% | R1,000 |
| Alexander Forbes | Alexander Forbes Balanced | Balanced | 15.20% p.a. | 0.90% | R500 |
| Satrix (Index Tracking) | Satrix Balanced Index | Index | 12.85% p.a. | 0.35% | R500 |
Top Raging Bull Awards Winners 2026
Manager of the Year
Alexander Forbes Investments
Runner-up
Sasfin Asset Managers
Third Place
Sygnia Asset Management
Compare Retirement Annuity Providers
Find the best RA provider for your retirement savings with our detailed comparison.
| RA Provider | Platform Fee | Fund Options | Best For | Minimum |
|---|---|---|---|---|
| 10X Investments | 0.8% | Curated ETF portfolios | DIY investors, low cost | R100 |
| Sygnia | 0.4% | Index & active funds | Passive investors, lowest fee | R500 |
| Easy Equities RA | 0.7% | Choose your own ETFs | Complete control, DIY | R500 |
| Allan Gray | 1.3-1.7% | Active management funds | Expert selection, hand-holding | R5,000 |
| AlexForbes | 0.9% | Wide fund range | Large amounts (R650k+) | R10,000 |
| Coronation | 1.5% | Premium active funds | Affluent investors, top returns | R50,000 |
Tax Benefits of Retirement Annuities
Tax Deduction: Contribute up to 27.5% of your taxable income (max R430,000/year) and claim it as a tax deduction. At 36% tax bracket, every R1,000 = R360 back from SARS.
Tax-Free Growth: All investment growth (dividends, interest, capital gains) inside the RA is tax-free. This compounds significantly over 20+ years.
Regulation 28: RAs must comply with Regulation 28 - max 75% equities, 45% offshore, 25% property. Protects your retirement savings from excessive risk.
Compare Exchange Traded Funds (ETFs)
Low-cost, passive index tracking ETFs listed on the JSE.
| ETF Name (Ticker) | Type | TER | Latest NAV | 3-Year Return | Best For |
|---|---|---|---|---|---|
| Satrix Top 40 (STX40) | SA Equity | 0.20% | R450.50 | 15.20% p.a. | SA stock market exposure |
| Satrix MSCI World (STXWDM) | Global Equity | 0.40% | R2,180.30 | 12.85% p.a. | Developed markets diversification |
| Sygnia Itrix S&P 500 (SYG500) | US Equity | 0.30% | R3,650.75 | 18.45% p.a. | US large-cap technology exposure |
| Satrix Dividend Aristocrats (SDIV) | SA Dividend | 0.45% | R1,245.60 | 11.50% p.a. | Income generation |
| Sygnia Skeleton Balanced 70 (SYG70) | Balanced (70/30) | 0.50% | R850.20 | 10.85% p.a. | All-in-one portfolio |
| Satrix Multi-Asset Credit Income (SMCI) | Bond/Income | 0.35% | R1,120.10 | 6.50% p.a. | Stable income, lower volatility |
Investment Calculators
Retirement Savings Calculator
Your Investment Plan
R 100,000
R 5,000
20 years
10.0%
5.0%
Your Retirement Target
Projected Retirement Savings
R 0
Adjust sliders to calculate
RA Tax Deduction Calculator
Your RA Contribution
R 500,000
R 50,000
Your Tax Benefit
Tax Refund / Saving
R 0
From SARS within months
Investment Health Score
Assess your investment portfolio and retirement readiness.
Your Investment Profile
R 500,000
R 10,000
20 years
R 600,000
Your Investment Health
Investment Health Score
0/100
Enter your details
Advisor Connect
Whether you're looking for expert guidance or you're a financial advisor looking to grow your client base, Vryn connects the right people.
Get Connected With a Financial Advisor
Tell us a little about your goals and we'll match you with a qualified, FSCA-registered financial advisor in your area.
Get Clients as a Financial Advisor
Are you an FSCA-registered financial advisor? Join the Vryn network and get matched with clients actively seeking advice.
Please note: Vryn is an information and matching platform only. We are not a registered financial services provider and do not give financial advice. All advisors are independent and responsible for their own FSCA compliance. Always verify an advisor's FSP licence before acting on any advice.