Certificates

Our take

ADCB's 10-year certificate offers a fixed annual return of 7.25% with annual payouts, compared with 7% with quarterly payouts, and a minimum purchase amount of EGP 5,000. It also allows customers to access financing of up to 90% of the certificate's value. However, the long investment term and relatively low return may make it less attractive to savers seeking higher returns or a shorter commitment.

A 10-year fixed-rate savings certificate offering returns of up to 7.25% annually, with borrowing facilities against the certificate and flexible payout options.

Our take

ADCB's seven-year certificate offers a fixed annual return of up to 8.25% with quarterly payouts, compared with 8% for monthly payouts, and a minimum purchase amount of EGP 5,000. It also provides access to financing of up to 90% of the certificate's value. However, the seven-year investment term may not suit savers who prefer shorter commitments or need greater access to their funds in the near term.

A seven-year fixed-rate savings certificate offering returns of up to 8.25% annually, flexible payout options, and borrowing facilities against the certificate.

Our take

ADCB's five-year certificate offers a fixed annual return of 8.25% with quarterly payouts, compared with 8% for monthly payouts, and a minimum purchase amount of EGP 5,000. It also allows customers to access financing of up to 90% of the certificate's value, providing liquidity without breaking the certificate. However, the relatively low return and five-year commitment may limit its appeal to some savers.

A five-year fixed-rate savings certificate offering returns of up to 8.25% annually, flexible payout options, and borrowing facilities against the certificate.

Our take

Aman Al-Masryeen Certificate combines savings in Egyptian pounds with life insurance coverage and the chance to win cash prizes, offering a 13% return. It can be purchased in amounts starting from EGP 500, up to a maximum of EGP 2,500 across participating banks. Additional benefits include exemption from purchase fees, the option to redeem the certificate at any time subject to the applicable terms, life insurance coverage, and the chance to win a tax-exempt prize of up to EGP 10,000. However, the maximum investment amount is low, and the available information does not specify periodic interest payments, which may limit its suitability for customers seeking to invest larger amounts or earn regular income.

A savings certificate offering a 13% return, life insurance coverage, and prize opportunities, with a maximum investment of EGP 2,500.

Our take

Aman Certificate from Banque du Caire combines savings in Egyptian pounds with life insurance protection, offering a fixed annual return of 13% paid at the end of its three-year term. It can be purchased in amounts starting from EGP 500, and customers are exempt from account-opening fees and can receive a prepaid card or mobile wallet free of charge, in addition to life insurance coverage without a medical examination. However, interest is paid only at maturity, and the certificate cannot be used as collateral for loans or credit cards, limiting access to its value before maturity.

A three-year savings certificate offering a 13% return payable at maturity, alongside life insurance coverage.

Our take

The triple certificate with a 19% monthly variable return is a flexible investment option that allows you to benefit from any future increase in interest rates, with the possibility of borrowing up to 95% of its value using it as collateral. Despite its high return, it carries the risk of reduced earnings if interest rates fall, in addition to having administrative fees and loans with higher interest rates (+5% above the return) compared to the fixed certificate.

Our take

Evaluation of the 'Alex Prime Gold' certificate (18.5% variable return - monthly) This certificate offers an attractive option for small investors looking for monthly payouts and a flexible, competitive return over 3 years that adjusts with interest rate changes.

Our take

Alex Star Certificates Evaluation (Monthly and Quarterly) These certificates are a stable investment option for those looking for fixed and guaranteed returns over 3 years, with a preference for regular payout periods that suit their living or saving needs.

Our take

"Alex Prime" Certificate (16.5% Variable Return - Quarterly) is the perfect choice for anyone looking to start investing with a low minimum (1000 EGP) while being able to benefit from any future increase in interest rates.

Our take

Alex Star Cumulative Certificate (7 years) A long-term savings account aimed at customers who want to lock their savings for a medium to long period, relying on a cumulative interest system at the end of the term. However, its return remains limited compared to current economic changes.

Our take

Alex Star Cumulative Certificate (10 years) A savings tool that lasts a whole decade, aimed at those who want very long-term savings. It offers a fixed and guaranteed return throughout the period, but it ties up your cash for a long time.

Our take

The Cumulative Fixed-Rate Savings Certificate in Egyptian Pounds from Ahli Bank of Kuwait – Egypt offers a savings term of up to 10 years, starting from EGP 1,000, with borrowing facilities of up to 95% of its value. Based on the updated figures, it offers a 9.59% return payable at maturity, with a maturity value equivalent to 250% of the original investment.

Cumulative savings certificate with a 9.59% return, 250% maturity value, and loans up to 95% of its value.