Commercial International Bank (CIB) Egypt offers a varied range of savings certificates in EGP and foreign currencies, with different tenors and payout frequencies and both fixed and floating returns. This lets customers choose the certificate that suits their needs and future financial plans, and EGP certificates can be redeemed in line with the terms and conditions announced by the bank.

In this report, Banky sets out the details and interest rates of the savings certificates CIB offers in EGP and foreign currencies in 2026, covering each certificate's tenor, interest rate, payout frequency and minimum purchase, as well as the main benefits, early redemption terms and how to buy the certificates.

First: EGP savings certificates

CIB offers EGP savings certificates with a fixed or floating return. The details are as follows:

3-year Premium fixed-rate savings certificate

  • Tenor: 3 years.

  • Annual interest rate: 18% per annum.

  • Payout frequency: monthly.

  • Minimum purchase: EGP 50,000, in multiples of EGP 1,000.

  • Redemption: early redemption is subject to the certificate's redemption schedule and terms and conditions.

EGP floating-rate savings certificate

  • Tenor: 3 years.

  • Minimum purchase: EGP 1,000, in multiples of EGP 1,000.

  • Payout frequency: monthly.

  • Interest rate: 19.50% per annum (the CBE overnight deposit rate plus a 0.50% margin), with a minimum rate of 17.50% per annum.

  • Interest type: changes in line with changes in the deposit and discount rates announced by the Central Bank of Egypt.

Everyday floating-rate savings certificate

  • Tenor: 3 years.

  • Minimum purchase: EGP 1,000, in multiples of EGP 1,000.

  • Payout frequency: daily.

  • Interest rate: 19.25% per annum (the CBE overnight deposit rate plus a 0.25% margin), with a minimum rate of 17.25% per annum.

  • Interest type: floating, linked to changes in the deposit and discount rates announced by the Central Bank of Egypt.

Second: foreign-currency savings certificates

CIB offers foreign-currency savings certificates with tenors of 3, 5 and 7 years, depending on the currency and certificate type. They are available to individuals and corporate customers. The details are as follows:

USD savings certificates

  • 3-year fixed-rate certificate: 4.50% per annum, paid monthly.

  • 5-year fixed-rate certificate: 4.25% per annum, paid monthly.

  • 7-year fixed-rate certificate: 3.25% per annum, paid monthly.

  • Minimum purchase: USD 1,000 and multiples thereof.

EUR savings certificates

  • Tenor: 3 years, fixed rate.

  • Annual interest rate: 0.50% with monthly payout, or 0.75% with quarterly payout.

  • Minimum purchase: EUR 1,000 and multiples thereof.

UAE dirham savings certificates

  • Tenor: 3 years, fixed rate.

  • Annual interest rate: 4.75%, paid monthly.

  • Minimum purchase: AED 5,000, in multiples of AED 1,000.

Saudi riyal savings certificates

  • Tenor: 3 years, fixed rate.

  • Annual interest rate: 4.75%, paid monthly.

  • Minimum purchase: SAR 5,000, in multiples of SAR 1,000.

Qatari riyal savings certificates

  • Tenor: 3 years, fixed rate.

  • Annual interest rate: 4.75%, paid monthly.

  • Minimum purchase: QAR 5,000, in multiples of QAR 1,000.

Benefits of CIB savings certificates

  • A choice of fixed, floating and cumulative returns, depending on the products available.

  • Different savings tenors of 3, 5 and 7 years, depending on certificate type and currency.

  • A range of payout frequencies, including monthly, daily and quarterly, depending on the certificate.

  • Full or partial redemption is possible 6 months after issuance for fixed- and floating-rate certificates, subject to the applicable terms and conditions.

  • Certificates available in EGP and a number of foreign currencies to meet different customer needs.

How to buy CIB savings certificates

For existing customers:

  • You can open a certificate through internet banking or mobile banking.

For new customers:

  • Apply to open an account online or visit your nearest branch.

  • Open the account and sign the savings certificate application.

  • Submit the required documents: a valid national ID card (or a valid passport for foreigners), a recent original electricity or gas utility bill, proof of income, and proof of permanent residence for foreigners.