Banky tracks the highest floating interest rates on 3-year certificates with monthly payout at banks ahead of the Central Bank of Egypt's meeting to decide deposit and lending rates on Thursday, 24 September 2026. According to the survey, Kuwait Finance House (KFH) Egypt tops the list of banks offering the highest expected return on floating-rate 3-year savings certificates, at 19.75%, with a minimum purchase of EGP 50,000. It is followed by MIDBANK, whose floating-rate 3-year certificate pays 19.65% a year, paid monthly, with a minimum of EGP 100,000.

According to the survey, National Bank of Egypt (NBE), Commercial International Bank (CIB), QNB Egypt, Arab African International Bank (AAIB), National Bank of Kuwait – Egypt (NBK Egypt), Suez Canal Bank and SAIB offer monthly floating-rate 3-year certificates at interest rates of up to 19.5% a year, paid monthly, with minimum purchases starting from EGP 1,000.

The list below shows the highest interest rates on floating-rate certificates at banks ahead of the Central Bank of Egypt (CBE) meeting.

1- Al Nokhba certificate from Kuwait Finance House (KFH) Egypt

  • Profit rate: 19.75% a year

  • Minimum purchase: EGP 50,000

  • Tenor: 3 years

  • Payout frequency: monthly

2- MID PLUS certificate from MIDBANK

  • Interest rate: 19.65% a year

  • Minimum purchase: EGP 100,000

  • Tenor: 3 years

  • Payout frequency: monthly

3- Platinum certificate from National Bank of Egypt (NBE)

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly

4- Floating-rate 3-year certificate from CIB

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly

5- Floating-rate certificate from QNB Egypt

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly

6- 3-year certificate from Arab African International Bank (AAIB)

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 5,000

  • Tenor: 3 years

  • Payout frequency: monthly

7- 3-year certificate from The United Bank

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 5,000

  • Tenor: 3 years

  • Payout frequency: monthly

8- Floating-rate certificate from National Bank of Kuwait – Egypt (NBK Egypt)

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly

9- SAIB Prime 3-year certificate

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly

10- Gari Plus certificate from Suez Canal Bank

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly

11- NXT Edge certificate from Bank NXT

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 50,000

  • Tenor: 3 years

  • Payout frequency: monthly

12- 3-year certificate from Industrial Development Bank

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 100

  • Tenor: 3 years

  • Payout frequency: monthly

13- 3-year certificate from Al Ahli Bank of Kuwait – Egypt (ABK-Egypt)

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly

14- Star certificate from Abu Dhabi Commercial Bank – Egypt (ADCB)

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 5,000

  • Tenor: 3 years

  • Payout frequency: monthly

15- Primo certificate from Banque du Caire

  • Interest rate: 19.5% a year

  • Minimum purchase: EGP 1,000

  • Tenor: 3 years

  • Payout frequency: monthly