The Central Bank of Egypt's Monetary Policy Committee holds its fifth meeting of 2026 on Thursday, 20 August 2026 to decide on deposit and lending interest rates, after keeping them unchanged at its last meeting on 9 July 2026.

Against this backdrop, some customers are looking at 1-year time deposits, a savings tool that lets them invest their money for a year and receive a set return at the end of the deposit term.

Banky reviews the 10 highest-paying 1-year time deposits by interest rate at a number of banks operating in the Egyptian market, along with each deposit's tenor, payout frequency and minimum amount.

1- 1-year time deposit from The United Bank

  • Interest rate: Up to 15% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 5,000.

2- Ahlan deposit from SAIB

  • Interest rate: Up to 14.25% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 1000,000.

3- 1-year time deposit from Bank of Alexandria (alexbank)

  • Interest rate: Up to 14% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 500,000.

4- 1-year time deposit from National Bank of Egypt (NBE)

  • Interest rate: Up to 13.5% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months to 2 years.

  • Minimum amount: EGP 1,000.

5- SMART deposit from SAIB

  • Interest rate: Up to 13% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 150,000.

6- 1-year time deposit from First Abu Dhabi Bank (FAB) Misr

  • Interest rate: From 12% to 12.75% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 1,000.

7- 1-year time deposit from Suez Canal Bank

  • Interest rate: Up to 11.75% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 2,000.

8- 1-year time deposit from Abu Dhabi Commercial Bank – Egypt (ADCB)

  • Interest rate: Up to 11.5% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 5,000.

9- 1-year time deposit from The United Bank

  • Interest rate: From 9% to 10% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 5,000.

10- 1-year time deposit from Banque Misr

  • Interest rate: Up to 8.5% a year.

  • Payout frequency: At maturity.

  • Tenor: 12 months.

  • Minimum amount: EGP 500.

These deposits are among the savings options available to customers who want to invest their money for a year. Interest rates and minimum amounts vary from bank to bank, allowing customers to choose the product that best suits the size of their savings and their needs.