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If you're happy to use Thyme bank:
They have R0 monthly fee and you can earn 9% p.a. on money once it has been in a goal save for 3 months (90 days). If you add 10 day call it goes up to 10% p.a.
This is the best I have seen offered so far (Goal save is like a pocket - you can have up to 10 each with maximum R100 000 in them excluding the interest they accumulate). When you take money out you take the whole amount [Prevents you from skipping the 3 month waiting period].
Interest starts at around 6.5/7% or something
Also they allow R3000 daily deposit for a fee of R4 (yup, it's very cheap just the issue is the limit, since you cannot deposit more than R3000 per day)