Fixed-rate savings certificates are drawing the most interest from customers looking for a safe investment with a regular periodic return, especially as the Central Bank of Egypt's Monetary Policy Committee prepares to decide on interest rates. Ahead of the meeting, Banky has compiled the top 10 fixed-rate 3-year savings certificates with monthly payout offered by banks operating in Egypt, with interest rates of up to 18.25% a year and minimum purchase amounts that vary from bank to bank.

General certificate details:

  • Interest type: fixed.

  • Payout frequency: monthly.

  • Tenor: 3 years.

1- EXCELLENCE PLUS certificate from SAIB

  • Interest rate: 18.25%.

  • Minimum purchase: EGP 500,000.

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

  • Interest rate: 18.25%.

  • Minimum purchase: EGP 10,000.

3- Mid Elite certificate from MIDBANK

  • Interest rate: 18.25%.

  • Minimum purchase: EGP 100,000.

4- Max 3-year certificate from Bank of Alexandria (alexbank)

  • Interest rate: 18.25%.

  • Minimum purchase: EGP 1 million.

5- Mashreq Platinum certificate from Mashreq Bank Egypt

  • Interest rate: 18.1%.

  • Minimum purchase: EGP 250,000.

6- Premium fixed-rate 3-year certificate from Commercial International Bank (CIB)

  • Interest rate: 18%.

  • Minimum purchase: EGP 50,000.

7- Monthly 3-year certificate from Bank NXT

  • Interest rate: 18%.

  • Minimum purchase: EGP 1,000.

8- Distinguished savings certificate from Emirates NBD Egypt

  • Interest rate: 18%.

  • Minimum purchase: EGP 500,000.

9- First Plus certificate from QNB Egypt

  • Interest rate: 18%.

  • Minimum purchase: EGP 500,000.

10- Elite Star certificate from Suez Canal Bank

  • Interest rate: 18%.

  • Minimum purchase: EGP 100,000.

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

  • Profit rate: 18%.

  • Minimum purchase: EGP 50,000.

12- Al Tamayoz certificate from The United Bank

  • Interest rate: 18%.

  • Minimum purchase: EGP 1 million.

13- Fixed-rate 3-year certificate from Bank ABC Egypt

  • Interest rate: 18%.

  • Minimum purchase: EGP 1,000.

14- Ikhtiarak certificate from Industrial Development Bank

  • Interest rate: 18%.

  • Minimum purchase: EGP 5,000.

15- Alex Star Plus certificate from Bank of Alexandria (alexbank)

  • Interest rate: 18%.

  • Minimum purchase: EGP 1,000.