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 · 4.0 · Thursday 08 October 2026 - 03:13 PM

A 3-year floating-rate CD tied to the CONIA benchmark with monthly payouts and a minimal threshold of EGP 1,000.

Current annual yield · variable
19.1%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • Grow my savings the most
    • Yield higher than average for this term
  • Keep my money reachable
    • Monthly payout

Not for you if

  • I want a predictable return
    • The return is variable

Not known yet

1 more detail we don't have yet

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
Floating
Payout
Compounded monthly
Yield by payout
Monthly

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

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Fixed certificate

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Our take 4.0

4.0 Banky rating

Pros

  • Extremely accessible entry amount (EGP 1,000) paired with high rate potential linked to market benchmarks.

Cons

  • Monthly income can fluctuate depending on changes in the CONIA index.

Our take

The QNB CONIA Certificate is an innovative 3-year investment tool linked to the CONIA benchmark rate, offering a competitive monthly return. With an exceptionally low entry point of EGP 1,000, it provides broad accessibility for retail depositors wanting to track short-term market dynamics. However, because the CONIA index fluctuates, monthly cash outflows may vary over the 3-year period.

A 3-year floating-rate CD tied to the CONIA benchmark with monthly payouts and a minimal threshold of EGP 1,000.

Compare

Alternatives at a glance
Fixed certificate QNB EGYPT This one Variable certificate QNB EGYPT 8-year savings certificates with variable interest rates Emirates NBD Elite certificate Export Development Bank of Egypt
Current annual yield · variable
19.1% 19.65% – 19.75% Current yield · variable19.75% 18.25% – 18.35% Yield by payout
Term
3 yrs 5 yrs 8 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 5,000 EGP 10K
Payout
Monthly Monthly 19.65% · Quarterly 19.75% Monthly Monthly 18.25% · Quarterly 18.35%
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:25 PM Updated Saturday 10 October 2026 - 10:24 PM