Bank Lending Rate in South Africa remained unchanged at 10.25 percent in January. Bank Lending Rate in South Africa averaged 12.00 percent from 1957 until 2026, reaching an all time high of 25.50 percent in August of 1998 and a record low of 5.50 percent in December of 1962. source: South African Reserve Bank

Bank Lending Rate in South Africa is expected to be 10.25 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the South Africa Prime Overdraft Rate is projected to trend around 9.50 percent in 2027 and 9.00 percent in 2028, according to our econometric models.



Calendar GMT Reference Actual Previous Consensus TEForecast
2025-11-20 01:00 PM
Prime Overdraft Rate
10.25% 10.5% 10.25%
2026-01-29 01:00 PM
Prime Overdraft Rate
10.25% 10.25% 10.25%
2026-03-26 01:00 PM
Prime Overdraft Rate
10.25%


Related Last Previous Unit Reference
Prime Overdraft Rate 10.25 10.25 percent Jan 2026
Consumer Spending 3225073.08 3203325.93 ZAR Million Sep 2025
Disposable Personal Income 5014296.00 4904765.00 ZAR Million Sep 2025
Households Debt to Income 62.50 62.40 percent Dec 2024
Private Sector Credit YoY 8.74 7.79 percent Dec 2025


South Africa Prime Overdraft Rate
In South Africa, the bank lending rate refers to commercial banks prime overdraft rate. It is a benchmark rate priced at 3.5 basis points above the repurchase rate and it is used by banks to price the lending rates offered to clients at either above or below the benchmark rate.
Actual Previous Highest Lowest Dates Unit Frequency
10.25 10.25 25.50 5.50 1957 - 2026 percent Monthly