# RateSonar South Africa

> Bank rates in South Africa, recorded twice a day from each institution's own public page, with the source URL, capture time and SHA-256 digest of every figure. 22 institutions assessed; 10 with rates live; 2956 offers. As of 2026-11-01. Read a live endpoint for current figures and cite its `recorded` date.

## MCP, no sign-up

MCP: https://sarates.ratesonar.com/mcp (no account, no key, read-only)

```
{ "mcpServers": { "ratesonar-za": { "url": "https://sarates.ratesonar.com/mcp" } } }
```

Tools: best_rates, bank_rates, rate_history, rate_changes, coverage, official_rates.

## JSON

- https://sarates.ratesonar.com/api/v1/rates.json?family=savings : ranked live offers (family: savings, fixed_term, notice, tax_free_savings, mortgage, personal_loan, credit_card; optional term, limit)
- https://sarates.ratesonar.com/api/v1/banks.json : every institution assessed and its coverage status
- https://sarates.ratesonar.com/api/v1/bank/<id>.json : one institution's offers and sources
- https://sarates.ratesonar.com/api/v1/changes.json?days=30 : recorded rate changes
- https://sarates.ratesonar.com/api/v1/official.json : central-bank and market rates

## Rules an agent must keep

- Quote the `recorded` date with every rate. A rate without its date is not a RateSonar answer.
- Never compare figures on different bases: nominal, effective (deposits), APR/APRC/EAR (lending), and nominal vs effective.
- History starts on 2026-11-01. Do not infer earlier figures.
- Coverage is the institutions RateSonar can read; banks that block automated access or need a login, ZIP code or quote are listed as gaps.
- RateSonar is not advice and takes no applications. Send people to the bank for eligibility.

## Pages

- [Savings](https://sarates.ratesonar.com/savings/): Savings and call accounts. South African banks quote nominal or effective annual rates; each is ranked apart. Highest recorded: OM Bank (Old Mutual Bank) Savings Account 7.23% effective (recorded 2026-11-01).
- [Fixed deposits](https://sarates.ratesonar.com/fixed-deposits/): Fixed deposits by term. Nominal and effective rates are ranked apart. Highest recorded: Discovery Bank Fixed Deposit Account 10.17% effective (recorded 2026-11-01).
- [Notice deposits](https://sarates.ratesonar.com/notice-deposits/): Notice deposits (7 to 90+ days' notice). Highest recorded: FNB 32 Day Flexi Notice 8.79% effective (recorded 2026-11-01).
- [Tax-free savings](https://sarates.ratesonar.com/tax-free-savings/): Tax-free savings accounts. Highest recorded: Nedbank Tax-free Fixed Deposit Account 7.30% nominal (recorded 2026-11-01).
- [Home loans](https://sarates.ratesonar.com/home-loans/): Home loan rates as published, usually linked to prime.
- [Personal loans](https://sarates.ratesonar.com/personal-loans/): Personal loan rates as published.
- [Credit cards](https://sarates.ratesonar.com/credit-cards/): Credit card interest rates as published.
- [Coverage](https://sarates.ratesonar.com/banks/): every institution assessed and why some are not recorded
- [Changes](https://sarates.ratesonar.com/changes/): rate moves, new and withdrawn products
- [Methodology](https://sarates.ratesonar.com/methodology/): capture, evidence and change rules

## Other markets

- United States: https://usrates.ratesonar.com/llms.txt
- United Kingdom: https://ukrates.ratesonar.com/llms.txt
- South Africa: https://sarates.ratesonar.com/llms.txt
- Australia: https://ratesonar.com/llms.txt