Records in the live release
233
Release 2026-11-09.3, 9 November 2026. Its fingerprint: 56811c789b3343f64b1dfc64915edd4e1165372c68e063a4a69dc47adc23fc40 (what that is).
Datasets·UM-142·Finance and insurance·Early access
Reference interest rates and legal limits
The legal interest limits: the prescribed rate of interest and the National Credit Act maximum rates, as the law sets them, with history.
01
What it holds
How far it reaches
The repo rate at every Monetary Policy Committee decision that changed it since November 2015 (30), recorded from the announcement, and prime as repo plus 3.5 points (the banks' convention). With them, the legal limits that follow the repo rate: the prescribed rate of interest, every rate since 8 January 2016 with the decision it follows and the Minister's Gazette notice, if any; and the National Credit Act's maximum interest rates for each of Table A's credit types since 6 May 2016. Next: repo decisions before 2015 from their announcements; the PFMA and SARS interest rates (set by notice).
How often it changes
Monthly
The MPC announces its decision six times a year (January, March, May, July, September, November; dates in data/mpc-dates.json); a change takes effect the next day or so. The daily check records each decision from its announcement (data/repo-decisions.json) and releases. The next is on 19 November 2026.
Where the figures come from
Government Printing Works (Government Gazette); Monetary Policy Committee announcements. Figures from official texts (Government Gazette notices, regulator decisions): no copyright in them under the Copyright Act, s12(8)(a).
02
Measured accuracy
Not checked against a source page: none of its sampled figures has a stored page to compare with. 50 records sampled on 12 November 2026. The sample and any failures.
03
Get it
On this site
See the rates, free, no account.
Through the API
/v1/datasets/reference-rates/records, as JSON, CSV or Excel, with filters and any past date. Fields and filters. It takes a key.
All of it at once (Parquet)
The full history, built with release 2026-11-09.3. A download takes a key; the fingerprints are public. How to download a snapshot.
reference-rates-2026-11-09.3-records.parquet: 233 record rows (every release), 26 kB. sha256b8c0a6811b3efa87…reference-rates-2026-11-09.3-facts.parquet: 233 facts with their pages, 15 kB. sha2566b28b50054b4b7e4…
For data portals
Described in DCAT in /catalog.json and on this page.
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