Egypt's banking market is awaiting the meeting of the Central Bank of Egypt's Monetary Policy Committee, scheduled for Thursday, September 29, 2026, as customers watch interest-rate developments and their impact on returns from savings products. Ahead of the meeting, Banky lists the top 10 floating-rate 3-year certificates with quarterly payout offered by banks operating in Egypt.

1- Floating-rate 3-year certificate from National Bank of Kuwait – Egypt (NBK Egypt)

  • Interest rate: 20%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 100,000

2- NXT Edge certificate from Bank NXT

  • Interest rate: 20%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 50,000

3- Floating-rate 3-year certificate from Industrial Development Bank

  • Interest rate: 19.75%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 100

4- 3-year certificate from Housing & Development Bank (HDB)

  • Interest rate: 19.3%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 500

5- Floating-rate 3-year certificate from MIDBANK

  • Interest rate: 19.25%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 1,000

6- Floating-rate 3-year certificate from QNB Egypt

  • Interest rate: 19%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 1,000

7- Al Khair 3-year certificate from Kuwait Finance House (KFH) Egypt

  • Profit rate: 19%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 5,000

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

  • Interest rate: 19%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 5,000

9- Tharwa certificate from Bank NXT

  • Interest rate: 19%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 10,000

10- Floating-rate 3-year certificate from Al Ahli Bank of Kuwait – Egypt (ABK-Egypt)

  • Interest rate: 19%

  • Payout frequency: quarterly.

  • Tenor: 3 years

  • Minimum: EGP 1,000