World Bank · Financial Sector
South Africa: Interest rate spread
3.21percent · 2025-1.6% since 2015
Interest rate spread is the interest rate charged by banks on loans to private sector customers minus the interest rate paid by commercial or similar banks for demand, time, or savings deposits. The terms and conditions attached to these rates differ by country, however, limiting their comparability. Reported as: lending rate minus deposit rate. Annual figures for South Africa from 2001 to 2025.
Every year
| Year | Value (percent) | Note |
|---|---|---|
| 2025 | 3.211 | |
| 2024 | 3.705 | |
| 2023 | 4.848 | |
| 2022 | 3.725 | |
| 2021 | 3.227 | |
| 2020 | 2.828 | |
| 2019 | 3.117 | |
| 2018 | 3.085 | |
| 2017 | 3.129 | |
| 2016 | 3.287 | |
| 2015 | 3.263 | |
| 2014 | 3.324 | |
| 2013 | 3.348 | |
| 2012 | 3.313 | |
| 2011 | 3.328 | |
| 2010 | 3.368 | |
| 2009 | 3.172 | |
| 2008 | 3.513 | |
| 2007 | 4.012 | |
| 2006 | 4.025 | |
| 2005 | 4.582 | |
| 2004 | 4.737 | |
| 2003 | 5.197 | |
| 2002 | 4.976 | |
| 2001 | 4.781 |
Source
Published by World Bank, produced by International Monetary Fund. Licence: CC BY 4.0. Retrieved 2026-11-07.
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Cite or download
World Bank (2026). Interest rate spread. Interva. https://interva.co/dataset/worldbank-interest-rate-spread (accessed 2026-11-08). catalog snapshot 2026-11-07.
Interest rate spread in other countries
- Albania
- Algeria
- Angola
- Antigua and Barbuda
- Argentina
- Armenia
- Aruba
- Australia
- Azerbaijan
- Bahamas
- Bahrain
- Bangladesh
- Barbados
- Belarus
- Belize
- Benin
- Bhutan
- Bolivia, Plurinational State of
- Bosnia and Herzegovina
- Botswana
- Brazil
- Brunei Darussalam
- Bulgaria
- Burkina Faso
- Cabo Verde
- Canada
- Chile
- China
- Colombia
- Comoros
- Congo, The Democratic Republic of the
- Costa Rica
- Côte d'Ivoire
- Croatia
- Czechia
- Dominica
- Dominican Republic
- Egypt
- Eswatini
- Ethiopia
- Fiji
- Gambia
- Georgia
- Grenada
- Guatemala
- Guinea
- Guinea-Bissau
- Guyana
- Haiti
- Honduras
- Hong Kong
- Hungary
- Indonesia
- Iran, Islamic Republic of
- Iraq
- Israel
- Jamaica
- Japan
- Jordan
- Kenya
- Korea, Republic of
- Kosovo
- Kuwait
- Kyrgyzstan
- Lao People's Democratic Republic
- Lebanon
- Lesotho
- Liberia
- Libya
- Macao
- Madagascar
- Malaysia
- Maldives
- Mali
- Mauritania
- Mauritius
- Mexico
- Micronesia, Federated States of
- Moldova, Republic of
- Mongolia
- Montenegro
- Mozambique
- Myanmar
- Namibia
- Netherlands
- New Zealand
- Nicaragua
- Niger
- Nigeria
- North Macedonia
- Norway
- Oman
- Pakistan
- Palestine, State of
- Panama
- Papua New Guinea
- Paraguay
- Peru
- Philippines
- Qatar
- Romania
- Russian Federation
- Rwanda
- Saint Kitts and Nevis
- Saint Lucia
- Saint Vincent and the Grenadines
- Samoa
- San Marino
- Sao Tome and Principe
- Senegal
- Serbia
- Seychelles
- Sierra Leone
- Singapore
- Solomon Islands
- Somalia
- South Sudan
- Sri Lanka
- Suriname
- Sweden
- Switzerland
- Tajikistan
- Tanzania, United Republic of
- Thailand
- Timor-Leste
- Togo
- Tonga
- Trinidad and Tobago
- Uganda
- Ukraine
- United Kingdom
- Uruguay
- Uzbekistan
- Vanuatu
- Venezuela, Bolivarian Republic of
- Viet Nam
- Yemen
- Zambia
- Zimbabwe
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