Bank deposits with monthly payout let customers invest their savings and earn a steady, regular income. Standing out is the 1-year time deposit from Commercial International Bank (CIB) Egypt, with an interest rate of up to 17% a year that varies by customer segment.

The deposit has a 12-month tenor with interest paid monthly, giving customers the chance to put their savings to work and earn a regular return throughout the term of the deposit.

Details of CIB's 1-year time deposit with monthly payout

  • Tenor: 12 months.

  • Payout frequency: monthly.

  • Annual interest rate: up to 17%.

  • Currency: Egyptian pound (EGP).

  • Rate set by: customer segment.

Annual deposit

CIB 4.0
Annual yield 16% – 17% Depends on customer segment
Term 1 yr
Min. deposit EGP 5,000
Payout Monthly
Details
Updated Wednesday 29 July 2026 - 02:06 PM
Banky Analysis
Returns

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Amount & term

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Withdrawal & renewal

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Our take 4.0
4.0 Banky rating

Pros

  • One of the highest returns among the available deposit tenors.
  • Monthly payouts provide regular income.

Cons

  • The rate varies depending on the customer segment.
  • Less flexible than short-term deposits.

Our take

The one-year deposit is the most attractive option in the lineup, particularly with returns reaching 17% for Private customers and monthly payouts.

The strongest option for customers seeking a high return combined with monthly income.

User ratings

Interest rates on the 1-year time deposit

  • Interest rates on the 1-year time deposit with monthly payout vary by customer segment, as follows:

Prime customers: 16% a year.

Plus customers: 16.25% a year.

Wealth customers: 16.50% a year.

Exclusive Wealth customers: 16.75% a year.

Private customers: 17% a year.

Features of CIB time deposits

  • A range of deposit tenors depending on the available products.

  • Interest can be paid monthly or at maturity, depending on the deposit type.

  • A fixed interest rate for the full term of the deposit, subject to the bank's terms.

  • Automatic renewal available, subject to terms and conditions.

  • Credit facilities available against the deposit, subject to the bank's terms.

Banky's view

  • The 1-year time deposit with monthly payout is a suitable choice for customers who want to invest their savings for a year while earning a regular income, with an interest rate of up to 17% a year depending on customer segment. We recommend comparing the rate and the deposit's opening conditions with other available savings options, and confirming the latest interest rates and minimum amount with the bank before making an investment decision.