The four major South African banks will pay you around 5% interest per year on a typical 32-day fixed deposit. So, a deposit of R100.00 will grow to a whopping R128.00 after five years. It is an interesting exercise to put this into the context of the silver-versus-Rand debate. The spot price of 1 troy ounce of silver in January 2005 in South Africa was about R44.00 (incl. VAT). In 2011, when silver peaked, it was about R365.00 (incl. VAT).