Diamond Plus Certificate — Housing and Development Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Diamond Plus Certificate

Housing and Development Bank · Certificates · Egyptian Pound · 4.5 · Monday 29 June 2026 - 03:31 PM

The Diamond Plus Certificate offers a fixed return of up to 18% for three years, making it an attractive choice for high-value savers seeking stable income.

Yield by payout
17.75% – 18%
Term
3 yrs
Min. deposit
EGP 250K
Payout
Monthly 17.75% · Annual 18%

Banky Analysis

Suits you if

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

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
Multiple
Yield by payout
Monthly 17.75% · Annual 18%
Rate tiers
  1. ≥ EGP 250,000 Compounded monthly
    17.75%
  2. ≥ EGP 250,000 Compounded annually
    18%

Amount & term

Term
3 yrs
Min deposit
EGP 250,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
69%—
128%—
247%—

Do the maths

Diamond Plus Certificate

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 4.5

4.5 Banky rating

Pros

  • The return is calculated starting from the day following the purchase, and it renews automatically unless the customer indicates a desire not to renew.

Cons

  • The minimum purchase amount is relatively high.

Our take

The Diamond Plus Certificate from Housing & Development Bank is a suitable option for high-net-worth savers seeking a fixed return of up to 18% annually for three years, with flexible interest payout options and the ability to obtain loans against the certificate.

The Diamond Plus Certificate offers a fixed return of up to 18% for three years, making it an attractive choice for high-value savers seeking stable income.

Compare

Alternatives at a glance
Diamond Plus Certificate Housing and Development Bank This one National Bank of Egypt National Bank of Egypt Classic Certificate SUEZ CANAL BANK Premium Certificate CIB Egypt
Yield by payout
17.75% – 18% 17.75% – 17.85% 17.75% – 17.85% 18% Annual yield
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 250K EGP 1,000 EGP 1,000 EGP 50K
Payout
Monthly 17.75% · Annual 18% Monthly 17.75% · Quarterly 17.85% Monthly 17.75% · Quarterly 17.85% Monthly
Compare with 3 similar certificates

Added Monday 01 June 2026 - 01:04 PM Updated Thursday 08 October 2026 - 01:24 AM