National Bank of Egypt (NBE) offers a varied range of savings certificates designed to meet different customer needs. The options vary by certificate tenor, type of return and payout frequency, giving customers the chance to choose the savings vehicle best suited to their financial goals.

In this report, Banky sets out the details and interest rates of the savings certificates NBE offers in 2026. They include the fixed-rate Platinum certificate, the 5-year certificate, the Platinum certificates with monthly and annual step-down returns, and the floating-rate Platinum certificate. For each, we explain the minimum purchase, tenor, payout frequency and the main benefits it offers customers.

First: fixed-rate certificates

National Bank of Egypt Platinum certificate

Platinum certificate details

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

  • Tenor: 3 years.

  • Interest rate and payout frequency

    • 17.75% per annum, paid monthly

    • 17.85% per annum, paid quarterly

  • Payout frequency: monthly.

  • Interest type: fixed for the full tenor of the certificate.

  • Interest accrual starts: from the business day following the purchase date

Platinum certificate benefits

  • NBE allows customers to borrow against the Platinum certificate through its branches, in line with the applicable instructions and regulations.

  • Customers can be issued credit cards of all types secured by the Platinum certificate, subject to the bank's terms governing this service.

  • The Platinum certificate cannot be redeemed before 6 months have passed from the business day following the purchase date. After that period, it can be redeemed before maturity in line with the rules, terms and redemption schedule announced by the bank.

National Bank of Egypt 5-year certificate

5-year certificate details

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

  • Tenor: 5 years.

  • Interest rate: 14.25%, paid monthly.

  • Payout frequency: monthly.

  • Interest type: fixed for the full tenor of the certificate.

  • Interest accrual starts: from the month following the month of purchase.

5-year certificate benefits

  • NBE allows customers to borrow against the 5-year certificate through its branches, in line with the applicable instructions and regulations.

  • Customers can be issued credit cards of all types secured by the 5-year certificate, subject to the terms and conditions governing this service.

  • The 5-year certificate cannot be redeemed before 6 months have passed from its effective date. After that period, it can be redeemed before maturity in line with the rules, terms and redemption schedule announced by the bank. At maturity, the customer recovers the certificate's full face value

Second: step-down certificates

Platinum certificate with monthly step-down return from National Bank of Egypt

Details of the Platinum certificate with monthly step-down return

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

  • Tenor: 3 years.

  • Interest rate: 21% in the first year, 16.25% in the second year, 12% in the third year.

  • Payout frequency: monthly.

  • Interest accrual starts: from the business day following the purchase date.

Benefits of the Platinum certificate with monthly step-down return

  • NBE allows customers to borrow against the certificate through its branches, in line with the applicable instructions and regulations.

  • Customers can be issued credit cards of various types secured by the certificate, subject to the terms and conditions governing this service.

  • The certificate can be redeemed before maturity once 6 months have passed from the purchase date, in line with the rules, terms and redemption schedule announced by the bank. At maturity, the customer recovers the certificate's full face value

National Bank of Egypt Platinum certificate with annual step-down return

Details of the Platinum certificate with annual step-down return

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

  • Tenor: 3 years.

  • Interest rate: 22% in the first year, 17.5% in the second year, 13% in the third year.

  • Payout frequency: annual.

  • Interest accrual starts: from the business day following the purchase date.

Benefits of the Platinum certificate with annual step-down return

  • The certificate pays customers a return once a year, with the amount changing according to the announced rate schedule for each year of the certificate.

  • NBE allows customers to borrow against the certificate through its branches, in line with the applicable instructions and regulations.

  • Customers can be issued credit cards of various types secured by the certificate, subject to the bank's terms governing this service.

  • The certificate can be redeemed before maturity once 6 months have passed from the purchase date, in line with the rules, terms and redemption schedule announced by the bank

Third: floating-rate certificates

National Bank of Egypt floating-rate Platinum certificate

Floating-rate Platinum certificate details

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

  • Tenor: 3 years.

  • Interest rate: 19.50% per annum

  • Payout frequency: monthly.

Floating-rate Platinum certificate benefits

  • NBE allows customers to borrow against the certificate through its branches, in line with the applicable instructions and regulations.

  • Customers can be issued credit cards of various types secured by the certificate, subject to the bank's terms governing this service.

  • The certificate can be redeemed before maturity once 6 months have passed from the purchase date, in line with the rules, terms and redemption schedule announced by the bank