Egypt's banking market is awaiting the meeting of the Central Bank of Egypt's (CBE) Monetary Policy Committee, scheduled for 29 October 2026, with close attention on the fate of interest rates and how it will feed through to returns on the savings products offered by banks operating in the local market.

Banky reviews the top 10 three-year savings certificates with a fixed interest rate paid quarterly. These give customers a regular periodic return on their savings, with interest rates and minimum amounts varying from bank to bank.

1- Mid Elite certificate from MIDBANK

  • Annual interest rate: 18.35%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 100,000.

2- Elite certificate from Export Development Bank of Egypt (EBE)

  • Annual interest rate: 18.35%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 10,000.

3- Al Safwa certificate from Kuwait Finance House (KFH) Egypt

  • Annual profit rate: 18.25%.

  • Rate type: fixed, according to available data.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 50,000.

4- Three-year quarterly-payout certificate from Bank NXT

  • Annual interest rate: 18.25%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 1,000.

5- Ikhtiarak certificate from Industrial Development Bank (IDB)

  • Annual interest rate: 18.25%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 5,000.

6- Fixed-rate certificate of deposit from National Bank of Kuwait – Egypt (NBK Egypt)

  • Annual interest rate: 18%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 10,000.

7- Emerald certificate from Arab African International Bank (AAIB)

  • Annual interest rate: 18%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 1,000.

8- "Classic" three-year quarterly-payout certificate from Suez Canal Bank

  • Annual interest rate: 17.85%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 1,000.

9- Quarterly Platinum certificate from National Bank of Egypt (NBE)

  • Annual interest rate: 17.85%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 1,000.

10- Al Qemma certificate from Banque Misr

  • Annual interest rate: 17.85%.

  • Rate type: fixed.

  • Tenor: 3 years.

  • Payout frequency: quarterly.

  • Minimum purchase: EGP 1,000