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 |
|---|---|---|---|---|
| CBCapitec Bank | 7.18% | 10.50% | 12.25 – 27.50% | R7 |
| FNBFNB | 6.75% | 10.50% | 12.25 – 28.00% | R109 |
| ABABSA | 7.12% | 10.50% | 12.75 – 28.00% | R115 |
| SBStandard Bank | 7.85% | 10.50% | 12.50 – 28.00% | R99 |
| NBNedbank | 7.18% | 10.50% | 10.25 – 28.00% | R95 |
| DBDiscovery Bank | 7.44% | 10.75% | 11.25 – 22.25% | R145 |
| TYTymeBank | 8.75% | — | 14.50 – 28.00% | FREE |
| ABAfrican Bank | 7.76% | — | 12.00 – 28.00% | FREE |
| INInvestec | 7.76% | 10.50% | 11.25 – 17.50% | R695 |
| MBMercantile 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 – 27.50% | R1k – R250k | Easy approval, low fees |
| FNB | 12.25 – 28.00% | R3k – R300k | eBucks rewards |
| Discovery Bank | 11.25 – 22.25% | R5k – R250k | Lowest max rate |
| Standard Bank | 12.50 – 28.00% | R3k – R300k | Large amounts |
| Investec | 11.25 – 17.50% | R50k – R500k | Best rates for affluent |
Student Loans 2026
| Provider | Interest Rate | Max Amount | Grace Period |
|---|---|---|---|
| NSNSFAS | 0% (Bursary) | Full cost of study | No repayment during studies |
| Standard Bank | 14.00 – 16.00% | R100,000/year | 12 months after grad |
| Capitec Bank | 12.25 – 27.50% | R250,000 | Repay immediately |
| Discovery Bank | 13.00 – 18.00% | 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 |
|---|---|---|---|---|
| NKNaked Insurance | R710–R1,150 | R470–R890 | R2.5k–3.5k | No age penalty |
| OUOUTsurance | R890–R1,570 | R505–R945 | R3.5k–5k | Cash rewards |
| KPKing Price | R755–R1,310 | R480–R920 | R3k–3.75k | Decreasing premium |
| DIDiscovery Insure | R785–R1,415 | R525–R995 | R3.5k–4.5k | Vitality benefits |
| STSantam | R945–R1,680 | R545–R1,050 | R4k–5.5k | Largest network |
| BDBudget Insurance | R650–R1,100 | R440–R840 | 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
Your Monthly Repayment
SARB Prime Rate Tracker
Prime rate, last 12 months — the July 2026 hike is Vryn's most recent confirmed reading.
Rate History
| Date | Prime Rate | Change |
|---|---|---|
| July 2026 | 10.50% | Held (4–2 split vote) |
| 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
Insurance Premium Estimator
Get a personalised estimate for your car insurance premium based on your profile.
Your Vehicle & Profile
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Financial Health Score
Get a personalized score (0–100) and actionable advice to improve your financial health.
Your Financial Profile
Your Financial Health
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.
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 |
|---|---|---|---|---|---|
| GRGranate Asset Management | Granate Balanced Fund | Balanced | 19.42% p.a. | 0.95% | R500 |
| PSGPSG Asset Management | PSG Growth Fund of Funds | Growth | 18.95% p.a. | 1.20% | R1,000 |
| COCoronation Fund Managers | Coronation Top 20 Fund | Equity | 18.30% p.a. | 0.85% | R500 |
| AGAllan Gray | Allan Gray Balanced Fund | Balanced | 16.95% p.a. | 1.50% | R5,000 |
| INInvestec Asset Management | Investec Equity Fund | Equity | 16.40% p.a. | 1.25% | R10,000 |
| FTFairtree Asset Management | Fairtree SA Equity Fund | Equity | 16.05% p.a. | 1.10% | R1,000 |
| AFAlexander Forbes | Alexander Forbes Balanced | Balanced | 15.75% p.a. | 0.90% | R500 |
| SXSatrix (Index Tracking) | Satrix Balanced Index | Index | 13.60% p.a. | 0.35% | R500 |
Top Raging Bull Awards Winners 2026
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 |
|---|---|---|---|---|
| 10X10X Investments | 0.8% | Curated ETF portfolios | DIY investors, low cost | R100 |
| SYSygnia | 0.4% | Index & active funds | Passive investors, lowest fee | R500 |
| EEEasy Equities RA | 0.7% | Choose your own ETFs | Complete control, DIY | R500 |
| AGAllan Gray | 1.3-1.7% | Active management funds | Expert selection, hand-holding | R5,000 |
| AFAlexForbes | 0.9% | Wide fund range | Large amounts (R650k+) | R10,000 |
| COCoronation | 1.5% | Premium active funds | Affluent investors, top returns | R50,000 |
Tax Benefits of Retirement Annuities
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 |
|---|---|---|---|---|---|
| SXSatrix Top 40 (STX40) | SA Equity | 0.20% | R472.80 | 15.85% p.a. | SA stock market exposure |
| SXSatrix MSCI World (STXWDM) | Global Equity | 0.40% | R2,295.50 | 13.55% p.a. | Developed markets diversification |
| SYSygnia Itrix S&P 500 (SYG500) | US Equity | 0.30% | R3,845.90 | 19.10% p.a. | US large-cap technology exposure |
| SXSatrix Dividend Aristocrats (SDIV) | SA Dividend | 0.45% | R1,298.40 | 12.05% p.a. | Income generation |
| SYSygnia Skeleton Balanced 70 (SYG70) | Balanced (70/30) | 0.50% | R884.50 | 11.35% p.a. | All-in-one portfolio |
| SXSatrix Multi-Asset Credit Income (SMCI) | Bond/Income | 0.35% | R1,148.60 | 6.85% p.a. | Stable income, lower volatility |
Investment Calculators
Retirement Savings Calculator
Your Investment Plan
Your Retirement Target
RA Tax Deduction Calculator
Your RA Contribution
Your Tax Benefit
Investment Health Score
Assess your investment portfolio and retirement readiness.
Your Investment Profile
Your Investment Health
Advisor Connect
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Tell us a little about your goals and we'll match you with a qualified, FSCA-registered financial advisor in your area.
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Vryn Blog
Practical guides on banking, insurance, investing and retirement in South Africa — no jargon, just what you need to know.
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