Banky tracks the highest-yielding fixed-rate 3-year certificates with semi-annual payout at banks operating in Egypt's banking sector ahead of the Central Bank of Egypt's meeting to decide the fate of deposit and lending rates. Bank NXT tops the list with its 3-year certificate, which offers a high return of 18.35% a year, paid semi-annually, with a minimum of EGP 1,000 to open the certificate.

Banky presents the top fixed-rate 3-year certificates with semi-annual payout ahead of the CBE meeting

1. 3-year certificate from Bank NXT

  • Minimum: EGP 1,000.

  • Payout frequency: semi-annual.

  • Interest rate: 18.35%.

2. Emerald certificate from Arab African International Bank (AAIB)

  • Minimum: EGP 1,000.

  • Payout frequency: semi-annual.

  • Interest rate: 18.25%.

3. 3-year certificate from QNB Egypt

  • Minimum: EGP 1,000.

  • Payout frequency: semi-annual.

  • Interest rate: 17.60%.

4. Al Motamayeza certificate from Export Development Bank of Egypt (EBE)

  • Minimum: EGP 1,000.

  • Payout frequency: semi-annual.

  • Interest rate: 17.25%.

5. Bedaya certificate from Kuwait Finance House (KFH) Egypt

  • Minimum: EGP 5,000.

  • Payout frequency: semi-annual.

  • Profit rate: 16.50%.

6. 3-year certificate from Crédit Agricole Egypt

  • Minimum: EGP 1,000.

  • Payout frequency: semi-annual.

  • Interest rate: 15%.

7. Premium certificate from Housing & Development Bank (HDB)

  • Minimum: EGP 1,000.

  • Payout frequency: semi-annual.

  • Interest rate: 14.25%.