Savers with large amounts of cash look for the best way to earn a high return while keeping a suitable level of safety and flexibility. Banque du Caire offers a varied range of savings products to suit different needs, whether certificates with a fixed or floating interest rate, short- and medium-term time deposits, or savings accounts that allow free withdrawals and deposits. With EGP 1 million, the return you earn varies with the type of product, the payout frequency and the investment tenor.

First | Banque du Caire certificates

Banque du Caire offers fixed- and floating-rate savings certificates. Below are the bank's highest-yielding certificates:

Primo certificate from Banque du Caire

  • Interest rate and payout frequency:

  • Monthly: 17.25%

  • Quarterly: 17.5%

  • Annual: 18.5%

  • Tenor: 3 years

  • Minimum purchase: EGP 1000

Worked example for saving EGP 1 million

Certificate with monthly interest:

  • Annual return: 1,000,000 * 17.25% = EGP 172500.

  • Monthly return: 172500 / 12 = EGP 14375

Certificate with quarterly interest:

  • Annual return: 1,000,000 * 17.5% = EGP 175000.

  • Quarterly return: 175000 / 4 = EGP 43750

Certificate with annual interest:

  • Annual return: 1,000,000 * 18.5% = EGP 185,000

Banque du Caire 3-year floating-rate certificate

  • Interest rate: 19.5%

  • Payout frequency: monthly

  • Tenor: 3 years

  • Minimum to issue the certificate: EGP 1000

Worked example for saving EGP 1 million

  • Annual return: 1,000,000 * 19.5% = EGP 195,000.

  • Monthly return: 195,000 / 12 = EGP 16,250

Second | Banque du Caire time deposits

  • Banque du Caire 18-month time deposit

  • Interest rate: up to 22%

  • Payout frequency: at maturity

  • Deposit tenor: 18 months

  • Minimum: EGP 10,000

Worked example for saving EGP 1 million

  • Return: 1,000,000 * 22% = EGP 220,000

  • Total amount due at maturity: EGP 1,220,000

Third | Banque du Caire accounts

Banque du Caire Mega Tawfeer savings account

  • Interest rate and payout frequency:

  • Daily: up to 17.25%

  • Monthly: up to 18%

  • Quarterly: up to 18.25%

  • Annual: up to 18.5%

  • Minimum to open the account: EGP 5000.

  • Minimum balance to earn interest: EGP 100,000.

Daily payout tiers:

  • EGP 100,000 to EGP 999,999: 12.5%

  • EGP 1,000,000 to EGP 9,999,999: 14.25%

  • EGP 10,000,000 to EGP 29,999,999: 16.25%

  • Above EGP 30,000,000: 17.25%

Monthly payout tiers:

  • EGP 100,000 to EGP 999,999: 11%

  • EGP 1,000,000 to EGP 9,999,999: 13.5%

  • EGP 10,000,000 to EGP 29,999,999: 16.5%

  • Above EGP 30,000,000: 18%

Quarterly payout tiers:

  • EGP 100,000 to EGP 999,999: 11.5%

  • EGP 1,000,000 to EGP 9,999,999: 13.75%

  • EGP 10,000,000 to EGP 29,999,999: 16.75%

  • Above EGP 30,000,000: 18.25%

Annual payout tiers:

  • EGP 100,000 to EGP 999,999: 12%

  • EGP 1,000,000 to EGP 9,999,999: 14%

  • EGP 10,000,000 to EGP 29,999,999: 17%

  • Above EGP 30,000,000: 18.5%

Worked example for saving EGP 1 million

Account with daily interest:

  • Annual return: 1,000,000 * 14.25% = EGP 142,500

  • Daily return: 142,500 / 12 / 30 = EGP 395

Account with monthly interest:

  • Annual return: 1,000,000 * 13.5% = EGP 135,000

  • Monthly return: 135,000 / 12 = EGP 11,250

Account with quarterly interest:

  • Annual return: 1,000,000 * 13.75% = EGP 137,500

  • Quarterly return: 137,500 / 4 = EGP 34,375

Account with annual interest:

  • Annual return: 1,000,000 * 14% = EGP 140,000

Banky's view:

The Banque du Caire 3-year floating-rate certificate is the best option for periodic income on EGP 1 million, paying EGP 16,250 a month at an annual interest rate of 19.5%, which suits those who want a high, regular income. For customers who do not need periodic cash, the 18-month time deposit stands out as the highest-returning savings product in total, earning up to EGP 220,000 by maturity. The Mega Tawfeer savings account, meanwhile, offers more flexibility for withdrawals and deposits but pays a lower return than the certificates and deposits at the EGP 1 million tier.

Bottom line:

If your goal is the highest regular monthly income, the 3-year floating-rate certificate leads the options at EGP 16,250 a month.

If your goal is to maximize the return without needing periodic payouts, the 18-month deposit is best, earning up to EGP 220,000 by maturity.

The Mega Tawfeer savings account remains the best fit for those who prefer flexible access to their money while still earning a return on their savings balance.