As the Central Bank of Egypt's Monetary Policy Committee prepares to meet on Thursday, 20 August 2026 to decide on interest rates, customers are increasingly looking for savings products that pay a fixed return and guarantee a regular monthly income over the long term. Fixed-rate 5-year certificates top the list, as they lock in the same return for the full term of the certificate, regardless of any future changes in interest rates.

In this report, Banky lists the highest monthly interest rates on fixed-rate 5-year certificates available at Egyptian banks ahead of the upcoming central bank meeting.

5-year certificate from National Bank of Kuwait – Egypt (NBK Egypt)

  • Minimum: EGP 5,000.

  • Payout frequency: Monthly.

  • Interest rate: 15%.

5-year fixed-return Wathiqa from Arab Bank

  • Minimum: EGP 10,000.

  • Payout frequency: Monthly.

  • Interest rate: 15%.

Monthly 5-year certificate from National Bank of Egypt (NBE)

  • Minimum: EGP 1,000.

  • Payout frequency: Monthly.

  • Interest rate: 14.25%.

5-year certificate from Al Ahli Bank of Kuwait – Egypt (ABK-Egypt)

  • Minimum: EGP 1,000.

  • Payout frequency: Monthly.

  • Interest rate: 13%.

Fixed-rate 5-year certificate from Emirates NBD Egypt

  • Minimum: EGP 100,000.

  • Payout frequency: Monthly.

  • Interest rate: 12.50%.

Taqdeer certificate from Abu Dhabi Commercial Bank – Egypt (ADCB)

  • Minimum: EGP 50,000.

  • Payout frequency: Monthly.

  • Interest rate: 12.50%.

Monthly 5-year certificate from Bank NXT

  • Minimum: EGP 1,000.

  • Payout frequency: Monthly.

  • Interest rate: 12.25%.

Fixed-rate 5-year certificate from Banque Misr

  • Minimum: EGP 1,200.

  • Payout frequency: Monthly.

  • Interest rate: 12.25%.

SAIB Crystal certificate from SAIB

  • Minimum: EGP 5,000.

  • Payout frequency: Monthly.

  • Interest rate: 11%.

5-year monthly-payout certificate from EGBank

  • Minimum: EGP 500.

  • Payout frequency: Monthly.

  • Interest rate: 10.5%.