The highest interest rate on fixed-rate 3-year savings certificates with a monthly payout at Egyptian banks reaches 18.25% a year, while the minimum purchase for a number of certificates starts at just EGP 1,000.
Four certificates top the list with the same interest rate of 18.25% a year, paid monthly: those of saib, MIDBANK, Bank of Alexandria and Export Development Bank of Egypt. They differ, however, in the minimum purchase, which ranges from EGP 10,000 at Export Development Bank of Egypt to EGP 1 million at Bank of Alexandria. Certificates with a monthly payout suit customers who need a regular monthly income from their savings, as interest is paid every month for the life of the certificate.
In the following report, Banky tracks the top 10 3-year savings certificates with a fixed interest rate paid monthly at Egyptian banks, comparing interest rates and minimum purchase amounts, and calculating the return on EGP 100,000 and EGP 1 million as examples of what savings can earn.
What is the highest interest rate on a 3-year certificate with monthly payout?
saib, MIDBANK, Bank of Alexandria and Export Development Bank of Egypt offer the highest fixed interest rate on 3-year certificates with monthly payout, at up to 18.25%, with a minimum purchase starting at EGP 10,000 that varies by bank. They are followed by Mashreq Bank Egypt at 18.10%, paid monthly, with a minimum purchase of EGP 250,000. Note that all certificates in the ranking have a tenor of 3 years, a monthly payout frequency and a fixed annual interest rate.
If you invest EGP 100,000, how much will you get each month?
Converting the interest rate into an amount in pounds shows the real difference between certificates more clearly than comparing percentages alone. On that basis, someone with EGP 100,000 in a certificate paying 18.25% receives about EGP 1,520 each month, using a simple calculation of the nominal return.
How much does EGP 1 million earn each month and each year?
When investing EGP 1 million, the return at the interest rates on the list reaches EGP 182,500 a year per EGP 1 million, or EGP 15,208 a month.
1- EXCELLENCE certificate from saib
Interest rate: 18.25%.
Minimum purchase: EGP 500,000.
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Our take
Pros
- Flexible interest payout options combined with the ability to borrow against the certificate
Cons
- The high minimum investment requirement (EGP 500,000) restricts access for a broader customer base.
Our take
saib Bank’s Excellence Certificate is a suitable option for high-net-worth savers seeking a fixed return over a 3-year term, with flexibility to receive interest on a monthly or semi-annual basis. The certificate also offers added benefits such as borrowing against the certificate and early redemption after six months, enhancing liquidity management. However, the high minimum investment requirement of EGP 500,000 limits accessibility for small and medium-sized savers.
A fixed-return savings certificate designed for affluent customers seeking stable income and payout flexibility.
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2- Elite certificate from Export Development Bank of Egypt
Interest rate: 18.25%.
Minimum purchase: EGP 10,000.
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Our take
Pros
- Competitive fixed return with borrowing facilities of up to 90% of the certificate value.
Cons
- Early redemption is only available after six months
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.
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3- Mid Elite certificate from MIDBANK
Interest rate: 18.25%.
Minimum purchase: EGP 100,000.
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Our take
Pros
- You can borrow up to 95% of the certificate’s value at a competitive interest rate.
- The certificate is issued to individuals and may be purchased in the name of a minor under the guardianship of their legal guardian.
Cons
- The certificate cannot be redeemed before 6 months, after which redemption follows the bank’s announced schedule.
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.
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4- Max 3-year certificate from Bank of Alexandria
Interest rate: 18.25%.
Minimum purchase: EGP 1 million.
5- Mashreq Platinum certificate from Mashreq Bank
Interest rate: 18.1%.
Minimum purchase: EGP 250,000.
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Our take
Pros
- Strong competitive return
Cons
- The high minimum subscription reduces the certificate's flexibility compared to some alternatives available in the market
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.
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6- Premium fixed-rate 3-year certificate from Commercial International Bank (CIB)
Interest rate: 18%.
Minimum purchase: EGP 50,000.
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Our take
Pros
- Fixed 18% annual return paid monthly.
- Financing is available against the certificate, with full or partial redemption after six months.
Cons
- Early redemption results in a reduced return according to the bank's applicable deduction schedule.
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.
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7- Monthly 3-year certificate from Bank NXT
Interest rate: 18%.
Minimum purchase: EGP 1,000.
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Our take
Pros
- The minimum certificate purchase amount is EGP 1,000 and its multiples
- Financing can be obtained against the certificate for up to 95% of its nominal value
Cons
- Early redemption is available after 6 months from the issuance date and before the maturity date
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.
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8- Premium savings certificate from Emirates NBD
Interest rate: 18%.
Minimum purchase: EGP 500,000.
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Our take
Pros
- 3-year investment term, suitable for customers seeking a medium-term investment.
- Fixed interest rate throughout the certificate term, providing greater certainty regarding expected returns.
- Customers can choose between monthly or annual interest payments according to their financial needs.
Cons
- The high minimum investment of EGP 500,000 may make the certificate unsuitable for customers with limited savings.
- Full redemption is not allowed during the first 6 months, limiting liquidity at the beginning of the investment period.
Our take
The Premium 3-Year Savings Certificate is a suitable option for customers with substantial savings who are looking for a fixed return over a 3-year period. The certificate offers flexibility in interest-payment frequency, allowing customers to receive a 18% annual rate with monthly payments or a 18.5% annual rate with annual payments.
The Premium 3-Year Savings Certificate is a suitable option for customers with substantial savings who are looking for a fixed return over a 3-year period. The certificate offers flexibility in interest-payment frequency, allowing customers to receive a 18% annual rate with monthly payments or a 18.5% annual rate with annual payments.
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9- First Plus certificate from QNB Egypt
Interest rate: 18%.
Minimum purchase: EGP 500,000.
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Our take
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.
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10- Elite Star certificate from Suez Canal Bank
Interest rate: 18%.
Minimum purchase: EGP 100,000.
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Our take
Pros
- access to financing and credit cards against the certificate.
Cons
- The EGP 100,000 minimum investment makes the certificate less accessible to customers with smaller savings compared with certificates requiring lower minimum amounts.
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.
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11- Al Safwa certificate from Kuwait Finance House (KFH) Egypt
Interest rate: 18%.
Minimum purchase: EGP 50,000.
Banky's pick: which monthly-payout certificate is best?
According to the ranking data, the Export Development Bank of Egypt 3-year certificate combines the highest interest rate, 18.25% a year, with the lowest minimum, EGP 10,000, the lowest among the four top-paying banks. Highest return: Export Development Bank of Egypt, saib, Bank of Alexandria and MIDBANK, with an interest rate of up to 18.25% a year.
So when comparing certificates, factors such as redemption terms, banking services and the option to borrow against the certificate matter more than the small difference in return.
Semi-annual or monthly: which payout frequency is better?
No single payout frequency is best for every customer.
A monthly payout suits those who want a regular income each month to cover their expenses.
A semi-annual payout means interest accumulates and is paid every 6 months, so the customer receives a larger amount on each payout date but waits longer to get it.
When choosing between two certificates, compare the interest rate itself, not just the payout frequency, because banks may offer different interest rates depending on the payout frequency.
Frequently asked questions about monthly-payout certificates
What is the highest interest rate on a 3-year certificate with monthly payout?
The highest interest rate on the list reaches 18.25% a year.
How much does EGP 100,000 earn each month at 18.25%?
The return is about EGP 1,520 a month, for a total of EGP 18,250 a year, using a simple calculation of the nominal return.
How much does EGP 1 million earn at 18.25%?
The return is about EGP 15,208 a month, for a total of EGP 182,500 a year.
What is the highest-paying monthly certificate starting from EGP 1,000?
The Bank NXT 3-year certificate is the highest on the list, at 18% with a minimum purchase of EGP 1,000.
What does a monthly payout frequency mean?
It means the interest due on the certificate is paid every month for the life of the certificate.
Does a monthly payout mean 18.25% every month?
No. The 18.25% figure is the annual interest rate, while "monthly" refers to the payout frequency. So the customer does not receive 18.25% every month.
Can the certificate be redeemed before 3 years?
Early redemption terms vary from bank to bank. Redemption may only be allowed after a set period and under each certificate's own redemption schedule, so review the terms before buying.
Before buying a fixed-rate monthly 3-year certificate
Compare the interest rate, payout frequency, minimum purchase, early redemption terms and the option to borrow against the certificate, and do not rely on the interest-rate ranking alone.
Also work out your liquidity needs before buying: if you need a regular income every month, a monthly payout may be more suitable; if you can wait 6 months between payments, you can compare semi-annual, quarterly or annual certificates.
Note: The ranking is based on certificate data as updated on 25 October 2026. Banks may change interest rates or product terms, so check the bank's latest information before deciding to buy.
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