About Us

Efficient saving can make a massive difference to your wealth.

Moving your cash from a call account that offers returns of 3% to a long term fixed deposit with an interest rate of 10% for example, would effectively double your wealth over ten years!

Whether you have a few hundred rand to put away each month for a rainy day or millions you are waiting to invest when the right opportunity strikes, a high-interest bank account is an important savings product that offers safe, consistent, reliable returns.

Yet too few South African are taking advantage of this simple opportunity to grow their wealth. Over 16 million South Africans have cash in savings accounts, but according to the South African Reserve Bank statistics a large percentage (about 40%) of this money sits in low interest accounts that offer very low interest rates, if any interest at all.

MyTreasury.co.za is an independent price comparison website that allows savers to compare options online to ensure they get the highest interest, based on their individual requirements. The easy to use My Treasury optimiser offers an efficient way to find the best savings account that offers you the highest interest rate in just a few clicks. The optimiser service is free and provides options based on a few simple questions.

Efficient saving can make a massive difference to your wealth. Moving your cash from a call account that offers returns of 3% to a long term fixed deposit with an interest rate of 10% for example, would effectively double your wealth over ten years!

So with such big potential gains from switching to higher interest rate deposits, why do so many South Africans continue to keep their money in low or no paying bank accounts? The explanation is that the savings market is opaque and complex. Without My Treasury, it is virtually impossible to determine which the highest paying savings account that best matches your requirements. It has not been easy to find bank rate data, never mind comparing different rates across multiple banks and products. Trying to find the best rate for your specific profile and savings preferences is even more complex and time-consuming.

The My Treasury team realised that there has to be a wiser way to save. As an independent company, our goal is to make saving more transparent. We developed the My Treasury saving optimiser to make it faster and easier to find the best returns on your savings. No more queuing at banks or visiting multiple sites, we have all the information right here for you to make the best choice.

You work hard for your money, it’s only right
that your money works just as hard for you.


How it works

Want to find the best returns on your cash investments quickly? There's a wiser way to save.

My Treasury takes the guesswork and the hassle out of finding the highest interest rates by seamlessly compiling all relevant data and comparing the results across numerous applicable savings accounts. The My Treasury algorithm searches over 600 different rates across nine different financial institutions to find you the best product. And we are working to constantly expand these investment options.

In just a few clicks, My Treasury will match you with the bank accounts that give you the best returns.

Because it's so quick and easy, you can run the rate calculator whenever you want, which means you'll always know where to get the best returns.


As your savings grow, you are likely to get a better rate on your investment.

My Treasury's interest rate optimiser makes finding the highest interest rate as easy as 1, 2, 3

STEP 1 Tell us how much you want to save

My Treasury analyses your personal saver profile, such as your age and where you bank. It also considers your savings preferences. You can specify the liquidity ranging from one day to five years and amounts from R1000 to R50 million.

STEP 2 We find you the best rates

Our comparison algorithm scans the market to compare all the bank accounts that fit your savings profile

STEP 3 Put your money to work

We then put you to touch the bank of your choice, so you can start putting your money to work

You work hard for your money, let your money work hard for you.


My Treasury is an independent service. We aim to help South Africans maximise their savings by providing independent information and making the market more transparent. My Treasury is not owned by any bank.

Our algorithm ranks savings accounts according to the criteria that you select. If you want instant access to your cash and are eligible for a preferable rate for savers over 65, our algorithm will find you the product with the characteristics that offer the best returns. If you are a student who is happy with a longer fixed notice period, the optimiser will find you the best returns available based on your preferences.

Once you select a product, we will supply the relevant bank with your contact details so they can get in touch with you about getting a great rate. We will only share your information if you give us permission.

The ranking of savings accounts is entirely determined by our algorithm according to the relevant criteria, using all the rate data available to us. We do not accept payment in return for a higher ranking.

We aim to be as comprehensive as possible. In some cases, a bank could choose to withhold data or only provide data for some products. If savings product information is not available or verifiable, we remove that product from our database. One of our goals is to make the market more transparent to all savers and to make banking more competitive and user-friendly.

Savings accounts are a great starting point for encouraging smarter wealth management. Just about everyone with an income has a bank account, and by encouraging people to see their ordinary bank accounts as tools for actively growing wealth, we hope to make South Africans more excited about saving. It doesn’t cost you anything to get higher returns on your cash, but you need to know where to look.

In tough economic times , it’s especially important to grow wealth wisely. In the current economic climate, you can’t afford to leave your money sitting idly. With the My Treasury Optimiser, there’s a much more intelligent way to save.

Take the guesswork out of investing.
Optimise your saving now. It's as easy as 1,2,3