Fixed certificate — QNB EGYPT | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Fixed certificate

QNB EGYPT · Certificates · Egyptian Pound · 4.5 · Thursday 08 October 2026 - 03:18 PM

A flexible 3-year fixed CD yielding up to 17.65% depending on chosen payout terms, starting at EGP 1,000.

Yield by payout
17.5% – 17.65%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65%

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 lower 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 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65%
Rate tiers
  1. Any amount Compounded monthly
    17.5%
  2. Any amount Compounded quarterly
    17.55%
  3. Any amount Compounded semi-annually
    17.6%
  4. Any amount Compounded annually
    17.65%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes

Do the maths

Fixed 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

  • Diverse payout schedule choices combined with an inclusive EGP 1,000 minimum purchase.

Cons

  • Locked-in fixed rate cannot take advantage of future rate hikes.

Our take

The QNB 3-Year Fixed Rate CD offers maximum versatility through four distinct payout frequencies (monthly to annually) coupled with a low EGP 1,000 deposit requirement. It serves as a reliable core investment for risk-averse individuals, though fixing the yield leaves returns vulnerable to opportunity cost during inflation spikes.

A flexible 3-year fixed CD yielding up to 17.65% depending on chosen payout terms, starting at EGP 1,000.

Compare

Alternatives at a glance
Fixed certificate QNB EGYPT This one Variable certificate QNB EGYPT National Bank of Egypt National Bank of Egypt Prime certificate saib bank
Yield by payout
17.5% – 17.65% 17.5% – 17.75% Current yield · variable17.75% – 17.85% 17.25% – 17.75%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 1,000
Payout
Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65% Monthly 17.5% · Quarterly 17.75% Monthly 17.75% · Quarterly 17.85% Daily 17.25% · Monthly 17.75%
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:24 PM Updated Saturday 10 October 2026 - 10:24 PM