أعلى 18 شهادة ادخار ثلاثية ثابتة بعائد شهري في البنوك المصرية 2026.. الفائدة تصل إلى 18.25%

Our take

The certificate is a good option for Bank of Alexandria savers who have capital starting from one million pounds and are looking for fixed and guaranteed monthly returns, but it's better to compare it with competing savings options in other banks before making a final commitment.

Our take

Mid Elite is a 3-year fixed-return certificate, offering up to 18.50% annually with yearly payouts, with flexible payout options and borrowing of up to 95% of the certificate value.

Mid Elite is a 3-year fixed-return certificate with returns up to 18.50% annually, flexible payout options, and borrowing up to 95% of its value.

Our take

The Elite Certificate offered by the Export Development Bank of Egypt is a suitable option for customers seeking a high and stable monthly return over the medium term. The certificate provides a competitive annual yield of 17.25%, along with the flexibility to borrow up to 90% of its value. Additionally, customers can redeem the certificate after six months from the issuance date, making it an attractive choice for investors looking to combine strong returns with access to liquidity when needed.

The Elite Certificate offers a high monthly return with flexible borrowing and early redemption features, making it a suitable choice for customers seeking steady income and liquidity.

Our take

The Mashreq Platinum Certificate offers a high monthly return of 18.10%, making it a solid choice for those with large savings, especially since the minimum subscription starts at 250,000 pounds. However, the high minimum makes it less appealing for many clients looking to invest smaller amounts.

Our take

A good choice for customers seeking stable monthly income and who do not need short-term liquidity, with the added benefit of borrowing against the certificate.

A suitable option for customers seeking a fixed monthly return in EGP, with a moderate minimum deposit and redemption after six months, but it requires a relatively long commitment.

Our take

The 3-Year Fixed-Rate Savings Certificate is a suitable savings option for individuals seeking a stable and predictable return, with flexible payout frequencies available on a monthly, quarterly, semi-annual, or annual basis. The low minimum investment and the ability to obtain financing against up to 95% of the certificate’s nominal value provide customers with greater liquidity and financial flexibility.

The 3-Year Fixed-Rate EGP Savings Certificates offer an annual return of up to 18.50%, with flexible payout options and the ability to obtain financing against the certificate.

Our take

The 3-year fixed-rate certificate is a suitable option for customers seeking stable returns and regular monthly income, particularly given its low minimum investment of500 $, which makes it accessible to a broad range of savers. The ability to obtain credit facilities secured by the certificate is also an additional advantage for customers who may need liquidity without having to redeem their savings. However, the six-month redemption restriction limits liquidity, while the fixed-rate structure means customers may not benefit from higher interest rates if market rates increase during the certificate’s term. Overall, the certificate is best suited to customers who prioritize stability and regular monthly income and are able to commit their funds for three years.

The 3-year fixed-rate dollar-denominated certificate is a suitable option for clients seeking a regular monthly income.

Our take

"Ekhtyarak" certificate guarantees predictable cash flow for 3 years, yielding 18% monthly or 18.25% quarterly. Requiring an EGP 5,000 minimum investment, interest starts accruing the next business day, with redemption allowed after 6 months under standard penalty rules.

A 3-year fixed-rate certificate guaranteeing return stability with flexible monthly or quarterly payout options.

Our take

The 'Alex Star Plus' certificate from Bank of Alexandria with a fixed return (18%) stands out for its excellent flexibility thanks to its low minimum purchase (1,000 EGP) and regular monthly payouts for 3 years. However, the 18% return is considered less competitive compared to certificates offered by other banks.

Our take

The Prestige Certificate offers a competitive fixed return of 17.25% with monthly payouts for 3 years, making it one of the best certificates for people with large amounts of cash. The high minimum subscription (1 million pounds) is the main factor that limits many customers from taking advantage of it.

Our take

The Tamayoz Fixed-Rate Certificate is well suited for high-net-worth individuals seeking a fixed return and regular income, with the flexibility of daily or monthly payouts. However, its EGP 1 million minimum investment makes it suitable for a limited segment of investors.

A fixed-rate savings certificate offering returns between 17.25% and 18%.

Our take

Al Safwa Certificate is considered an attractive savings product, offering a competitive return of up to 18.50%, with flexible return payment options and the possibility of obtaining financing of up to 95% of the certificate’s value. It also allows customers to benefit from the certificate as collateral for financing without having to redeem it. However, customers should consider the 3-year tenor, the 6-month minimum redemption period, and the applicable early redemption penalty, making it more suitable for customers with surplus liquidity who are looking for a medium-term investment.

Al Safwa Certificate is an attractive savings option offering returns of up to 18.50%, flexible payout options, and financing of up to 95% of the certificate’s value

Our take

QNB's First Plus Certificate is well suited for customers with substantial savings who are looking for a stable, fixed return and predictable monthly income. Offering a fixed annual yield of 18% with monthly payouts and a minimum investment of EGP 500,000, the certificate combines attractive returns with added flexibility through secured lending, reinvestment options, and early redemption after six months according to the bank's redemption schedule. Overall, it is a competitive choice for investors prioritizing capital preservation and consistent cash flow over the investment term.

Our take

The HSBC Egypt savings certificate offers a good mix of monthly returns and flexibility, with the option to borrow and make partial withdrawals after 6 months, making it a suitable choice for those looking for a safe investment. However, its returns aren't the highest compared to some competing certificates on the market, which makes it less appealing for those seeking the maximum possible return.

Our take

4- year El Motamayeza has a 4-year tenor with an annual interest rate of 14.00%, payable monthly. It is issued in denominations starting from EGP 1,000 and multiples thereof. Interest earnings are automatically credited to your current or savings account, with a borrowing facility of up to 95% of the certificate’s value.

A 4-yearEl Motamayeza offering a 14% annual interest rate payable monthly, starting from EGP 1,000, with borrowing facilities of up to 95% of its value.

Our take

The 3-year fixed-yield certificates from First Abu Dhabi Bank Misr (FABMISR) are an excellent choice if your primary goal is complete security and a regular, periodic income—particularly when the Central Bank is expected to lower interest rates in the future. If safety and guaranteed income are your priorities, a fixed-rate certificate is a prudent choice; however, if you anticipate interest rate hikes or require the flexibility to withdraw your funds, it is advisable to diversify your savings across variable-rate certificates and short-term savings instruments.

The three-year fixed-yield savings certificates from First Abu Dhabi Bank Egypt (FABMISR) are an investment option that offers financial security and stability to customers.

Our take

The Elite Star Certificate from Suez Canal Bank is suitable for customers seeking a fixed return and regular monthly income, with a minimum investment of EGP 100,000 and the ability to purchase the certificate through mobile banking. It also allows customers to use the certificate as collateral for financing or credit cards, subject to the bank’s credit policy, providing additional flexibility without having to redeem the certificate.

A fixed-return certificate with monthly payouts, suitable for customers seeking regular income and financing benefits against the certificate.

Our take

The 3-Year Golden Savings Certificate is a suitable savings option for customers seeking a competitive fixed return, with flexible payout options on a monthly, quarterly, annual, or maturity basis. With a minimum investment of EGP 20,000 and a six-month minimum holding period, the certificate offers a structured long-term savings solution.

The 3-Year Golden Savings Certificate offers a competitive fixed return with multiple payout options and a minimum investment of EGP 20,000.