EGP Certificate of Deposit Advance — FABMISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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EGP Certificate of Deposit Advance

FABMISR · Certificates · Egyptian Pound · 4.0 · Tuesday 28 July 2026 - 12:56 PM

The three-year fixed-yield savings certificates from First Abu Dhabi Bank Egypt (FABMISR) are an investment option that offers financial security and stability to customers.

Annual yield
18%
Term
3 yrs
Min. deposit
EGP 100K
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Monthly payout

Not for you if

  • Grow my savings the most
    • Yield higher than average for this term

All of this is measured against products of 25–36 months in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Compounded monthly
Yield by payout
Monthly
Rate tiers
  1. ≥ EGP 100,000
    18%

Amount & term

Term
3 yrs
Min deposit
EGP 100,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1806%عمولة الاسترداد خلال السنة الأولى 6%
3655%عمولة الاسترداد خلال السنة الثانية 5%
10955%عمولة الاسترداد خلال السنة الثالثة 5%

Do the maths

EGP Certificate of Deposit Advance

Compute the total return and profit on a savings certificate, by payout.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • Flexible payout options allowing you to choose between monthly and cumulative payouts.
  • A low minimum starting at 1,000 EGP to purchase the certificate.
  • Fixed return throughout the certificate's term
  • It is possible to borrow up to 90% of its value against it as collateral.

Cons

  • The return is relatively low compared to other certificates.
  • The certificate cannot be redeemed until six months have passed since the date of purchase.

Our take

The 3-year fixed-yield certificates from First Abu Dhabi Bank Misr (FABMISR) are an excellent choice if your primary goal is complete security and a regular, periodic income—particularly when the Central Bank is expected to lower interest rates in the future. If safety and guaranteed income are your priorities, a fixed-rate certificate is a prudent choice; however, if you anticipate interest rate hikes or require the flexibility to withdraw your funds, it is advisable to diversify your savings across variable-rate certificates and short-term savings instruments.

The three-year fixed-yield savings certificates from First Abu Dhabi Bank Egypt (FABMISR) are an investment option that offers financial security and stability to customers.

Compare

Alternatives at a glance
EGP Certificate of Deposit Advance FABMISR This one Premium Certificate CIB Egypt Elite Star Certificate SUEZ CANAL BANK Prestige Certificate Credit Agricole Egypt
Annual yield
18% 18% 18% 18%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 100K EGP 50K EGP 100K EGP 400K
Payout
Monthly Monthly Monthly Monthly
Compare with 3 similar certificates

Added Tuesday 28 July 2026 - 12:50 PM Updated Saturday 10 October 2026 - 02:01 PM