Banks in Egypt are competing to offer savings certificates with a range of returns for customers seeking a fixed monthly income, as the market awaits the Central Bank of Egypt's (CBE) Monetary Policy Committee meeting and its interest rate decisions. Banky reviews the top 5-year fixed-rate savings certificates with monthly payouts at Egyptian banks, setting out their interest rates and key details to help customers choose the certificate that best suits their needs.

1- Arab Bank's 5-year fixed-rate "Wathiqa" certificate

  • Interest rate: 15%

  • Minimum amount: EGP 10,000

2- National Bank of Kuwait (NBK) Egypt's 5-year fixed-rate certificate

  • Interest rate: 15%

  • Minimum amount: EGP 5,000

3- National Bank of Egypt's 5-year monthly-payout certificate

  • Interest rate: 14.25%

  • Minimum amount: EGP 1,000

4- Al Ahli Bank of Kuwait (ABK) Egypt's 5-year certificate

  • Interest rate: 13%

  • Minimum amount: EGP 1,000

5- Emirates NBD Egypt's 5-year fixed-rate certificate

  • Interest rate: 12.5%

  • Minimum amount: EGP 100,000

6- ADCB Egypt's Taqdeer certificate

  • Interest rate: 12.5%

  • Minimum amount: EGP 50,000

7- Bank NXT's 5-year monthly-payout certificate

  • Interest rate: 12.25%

  • Minimum amount: EGP 1,000

8- Banque Misr's 5-year fixed-rate certificate

  • Interest rate: 12.25%

  • Minimum amount: EGP 1,200

9- SAIB Crystal certificate from SAIB

  • Interest rate: 11%

  • Minimum amount: EGP 5,000

10- EG BANK's 5-year monthly-payout certificate

  • Interest rate: 10.5%

  • Minimum amount: EGP 500

11- Export Development Bank of Egypt's 5-year fixed-rate monthly-payout certificate

  • Interest rate: 10.5%

  • Minimum amount: EGP 10,000