The highest interest rate on fixed-rate 3-year savings certificates with daily payouts at banks in Egypt reaches 17.75% a year. Minimum purchase amounts vary, starting at EGP 1,000 for some products and reaching EGP 1 million for others.
MIDBANK's Mid Elite certificate tops the list at 17.75% a year, followed by Arab Bank's 3-year fixed-rate Wathiqa at 17.5%, then SAIB's PRIME certificate and The United Bank's Tamayoz certificate at 17.25% a year each.
Daily-payout savings certificates suit customers who want a regular income from their savings: the return is paid daily according to each certificate's terms, and the interest rate stays fixed for the certificate's full 3-year tenor.
In the following report, Banky reviews the top 6 fixed-rate 3-year savings certificates with daily payouts in Egypt in 2026, setting out their interest rates and minimum purchase amounts and calculating the expected return on an investment of EGP 1 million.
What is the highest interest rate on a 3-year daily-payout certificate?
MIDBANK's Mid Elite certificate tops the list with a fixed rate of 17.75% a year, followed by Arab Bank's 3-year fixed-rate Wathiqa at 17.5%, then SAIB's PRIME certificate and The United Bank's Tamayoz certificate at 17.25% each.
The certificates differ in their minimum purchase amount, which starts at EGP 1,000 for some and reaches EGP 1 million for others.
All the certificates on the list have a 3-year tenor and a fixed rate, with the return paid daily.
If you invest EGP 100,000, how much will you earn?
The return on an investment of EGP 100,000 depends on the certificate's interest rate, with rates on the list ranging from 15.25% to 17.75% a year.
The gap between the highest and lowest return on the list comes to EGP 2,500 a year for every EGP 100,000, based on the announced interest rates.
Details of the top 6 fixed-rate 3-year daily-payout certificates
1- MIDBANK's Mid Elite certificate
MIDBANK's Mid Elite certificate tops the list with a fixed rate of 17.75% a year, with the return paid daily.
· Interest rate: 17.75% a year.
· Payout frequency: Daily.
· Tenor: 3 years.
· Minimum purchase: EGP 100,000.
Banky Analysis
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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.
User ratings
The nominal annual return on an investment of EGP 100,000 is about EGP 17,750, rising to EGP 177,500 on EGP 1 million.
2- Arab Bank's 3-year fixed-rate Wathiqa
Arab Bank's 3-year fixed-rate Wathiqa comes second, at 17.5% a year, with the return paid daily.
· Interest rate: 17.5% a year.
· Payout frequency: Daily.
· Tenor: 3 years.
· Minimum purchase: EGP 1 million.
Banky Analysis
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Our take
Pros
- Excellent balance between a medium-term investment period (3 years) and a high fixed return rate.
Cons
- Being deprived of benefits that come with other certificates, like daily liquidity distribution or investing in foreign currency.
Our take
The Arab Bank's fixed-income triple document is a good option for people with big savings, as it offers a fixed return of up to 18%, with flexibility in payment frequency and the possibility of borrowing against it. However, despite its financial benefits, the requirement of a minimum subscription of one million pounds limits its suitability for a wide range of customers.
User ratings
The nominal annual return on EGP 1 million is about EGP 175,000.
3- SAIB's PRIME certificate
SAIB offers the 3-year PRIME certificate at a fixed rate of 17.25% a year, with the return paid daily and a minimum purchase starting at EGP 1,000.
· Interest rate: 17.25% a year.
· Payout frequency: Daily.
· Tenor: 3 years.
· Minimum purchase: EGP 1,000.
Banky Analysis
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Our take
Pros
- A combination of a high return and flexible payout options, with the ability to choose between daily and monthly interest and borrow against the certificate.
Cons
- Early redemption is available only after six months and is subject to the bank’s redemption schedule, limiting flexibility for early exit
Our take
The Prime Certificate from saib is a strong option for customers seeking a high fixed return with flexible interest payout options. It offers 17.75% with monthly payouts or 17.25% with daily payouts, with a minimum investment starting at just EGP 1,000. The certificate also allows borrowing against its value and early redemption after six months according to the bank’s redemption schedule, while offering convenient issuance through branches or internet banking. However, early redemption is subject to the bank’s redemption schedule, and its three-year term may not suit customers looking for longer-term savings.
A high-yield fixed-rate certificate offering up to 17.75% with monthly payouts, a minimum investment of EGP 1,000, and flexible payout options.
User ratings
The nominal annual return on an investment of EGP 100,000 is about EGP 17,250, rising to EGP 172,500 on EGP 1 million.
4- The United Bank's Tamayoz certificate
The United Bank offers the 3-year Tamayoz certificate at a fixed rate of 17.25% a year, with the return paid daily.
· Interest rate: 17.25% a year.
· Payout frequency: Daily.
· Tenor: 3 years.
· Minimum purchase: EGP 1 million.
Banky Analysis
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Our take
Pros
- Excellent balance between high profitability and full risk-free stability.
Cons
- Inability to benefit from potential future interest rate increases.
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%.
User ratings
The nominal annual return on EGP 1 million comes to EGP 172,500.
5- EG BANK's 3-year certificate
EG BANK offers a 3-year certificate at a fixed rate of 16.5% a year, with the return paid daily and a minimum purchase starting at EGP 1,000.
· Interest rate: 16.5% a year.
· Payout frequency: Daily.
· Tenor: 3 years.
· Minimum purchase: EGP 1,000.
Banky Analysis
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Our take
Pros
- Loan facility: Customers can obtain financing of up to 90% of the certificate’s nominal value
- Available to minors: The certificate is available to individuals, including minors.
Cons
- No redemption during the first 6 months: This limits liquidity during the initial period.
- Early redemption charge: Redeeming the certificate before maturity results in a recalculation of the return and a deduction from the total calculated interest.
Our take
The 3-year daily-interest certificate is suitable for customers seeking a fixed return with daily interest payments, particularly given its low minimum investment of EGP 1,000 and the ability to borrow up to 90% of the certificate’s nominal value. Its availability to minors also expands its potential customer base. However, the six-month redemption restriction and the recalculation of returns upon early redemption reduce liquidity flexibility. Customers should also consider the cost of borrowing, as the interest rate on loans secured by the certificate is at least 2% above the applicable certificate rate. Overall, the certificate is best suited to customers who prefer stable daily income and can commit their funds for three years.
The 3-year daily-interest certificate is suitable for customers seeking a fixed return with daily interest payments, particularly given its low minimum investment of EGP 1,000 and the ability to borrow up to 90% of the certificate’s nominal value. Its availability to minors also expands its potential customer base. However, the six-month redemption restriction and the recalculation of returns upon early redemption reduce liquidity flexibility. Customers should also consider the cost of borrowing
User ratings
The nominal annual return on an investment of EGP 100,000 is about EGP 16,500, rising to EGP 165,000 on EGP 1 million.
6- Banque du Caire's Primo Plus certificate
Banque du Caire's Primo Plus certificate offers a fixed rate of 15.25% a year, with the return paid daily.
· Interest rate: 15.25% a year.
· Payout frequency: Daily.
· Tenor: 3 years.
· Minimum purchase: EGP 100,000.
Banky Analysis
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Our take
Pros
- Loans secured by these certificates may be obtained from any of our bank's branches, in accordance with applicable regulations.
Cons
- The minimum amount is relatively high.
Our take
The Primo Plus Certificate from Banque du Caire is a suitable option for customers seeking flexibility in interest payout frequency, whether daily or monthly, with a minimum investment starting from EGP 100000for the monthly option. It also offers loan facilities against the certificate and partial or full redemption after six months.
The Primo Plus Certificate offers flexible daily payouts with a minimum investment starting from EGP 1,00000, making it ideal for savers seeking regular income and liquidity.
User ratings
The nominal annual return on an investment of EGP 100,000 is about EGP 15,250, rising to EGP 152,500 on EGP 1 million.
Banky's pick: which 3-year daily-payout certificate pays the most?
Based on the interest rates on the list, MIDBANK's Mid Elite certificate leads the six certificates at 17.75% a year, followed by Arab Bank's 3-year Wathiqa at 17.5%, then SAIB's PRIME certificate and The United Bank's Tamayoz certificate at 17.25%.
When comparing certificates, the choice should not rest on the interest rate alone. It should also take into account the minimum purchase amount, early redemption terms, the option to borrow against the certificate and how well the payout frequency suits the customer's needs.
Frequently asked questions about 3-year daily-payout certificates
What is the highest interest rate on a 3-year daily-payout certificate?
The highest rate on the list is 17.75% a year, on MIDBANK's Mid Elite certificate.
How much does EGP 100,000 earn at 17.75%?
The nominal annual return is about EGP 17,750, though the amounts paid out each day vary according to the bank's method of calculating the return.
How much does EGP 1 million earn at 17.75%?
The nominal annual return is about EGP 177,500.
What is the lowest minimum purchase for a 3-year daily-payout certificate?
The minimum purchase starts at EGP 1,000 for SAIB's PRIME certificate and EG BANK's 3-year certificate, according to the data on the list.
What does a daily payout mean?
It means the return is paid on a daily basis, according to the certificate's terms and the method of calculating the return set by the bank, rather than monthly, quarterly or semi-annually.
Can the certificate be redeemed before the three years are up?
Early redemption terms differ from bank to bank, so it is advisable to review the certificate's terms and redemption schedule before buying
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Before buying a daily-payout certificate
Before deciding to buy, compare the interest rate, payout frequency, minimum purchase amount, early redemption terms and the option to borrow against the certificate, rather than relying 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.
Note: The ranking is based on certificate data from the update dated 25 October 2026. Banks may change their interest rates or product terms, so check the bank's latest information before deciding to buy.
Interest on EGP 1 million for the top 6 fixed-rate 3-year savings certificates with daily payouts
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