أعلى 10 شهادات ثلاثية ثابتة بفائدة شهرية بعد رفعها ببنكا الأهلي المصري ومصر

Our take

The 3-year certificate is suitable for customers seeking a high fixed return with regular income, offering up to 18% annually when interest is paid quarterly, compared with 17.50% for monthly payouts. The ability to obtain financing of up to 90% of the certificate’s value is an additional benefit for customers who may need liquidity. However, the 3-year commitment and fixed-rate structure may limit flexibility if interest rates change. Overall, the certificate is best suited to customers who prioritize stable returns and can maintain their investment over the medium term.

The 3-year certificate is suitable for customers seeking a high fixed return with regular income, offering up to 18% annually when interest is paid quarterly, compared with 17.50% for monthly payouts. The ability to obtain financing of up to 90% of the certificate’s value is an additional benefit for customers who may need liquidity. However, the 3-year commitment and fixed-rate structure may limit flexibility if interest rates change. Overall, the certificate is best suited to customers who pri

Our take

The Three-Year Platinum Certificate is an excellent choice for investors and individuals seeking a secure, steady, and risk-free periodic income. It is ideal for those with sufficient liquidity to commit funds for a minimum of six months. Offered by the National Bank of Egypt, this fixed-yield certificate features a guaranteed, constant return; the interest rate remains fixed throughout the three-year term, ensuring a secure and regular cash flow unaffected by market fluctuations.

The National Bank of Egypt’s Triple Platinum Fixed-Yield Certificate features a range of exclusive characteristics and benefits.

Our take

Banque Misr's El Qemma Certificate is a suitable savings option for customers seeking a stable and predictable return on their investments. The certificate offers a fixed yield throughout its three-year term, protecting savers from interest rate fluctuations. It also provides added flexibility through loan facilities against the certificate and the option of partial or full redemption after six months, subject to the bank's terms and conditions.

Banque Misr's El Qemma Certificate offers a fixed return of up to 17.85% for 3 years, with loan and early redemption options available after 6 months.

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 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

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

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.

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.