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 · 3.0 · Thursday 08 October 2026 - 04:34 PM

A 3-year cumulative CD offering an 8.73% annual fixed rate paid at maturity with a EGP 1,000 minimum deposit.

Total yield · At maturity
26.19%
Over 3 yrs · avg. 8.73% a year · Redeems 126.19%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
At maturity

Banky Analysis

Suits you if

  • I want a predictable return
    • Fixed return for the whole term

Not for you if

  • I need monthly income
    • Paid at maturity
  • Grow my savings the most
    • Yield lower than average for this term
  • Keep my money reachable
    • Paid at maturity

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
At Maturity
Yield by payout
At maturity
Rate tiers
  1. Any amount
    8.73% 7.78% announced

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 3.0

3.0 Banky rating

Pros

  • Delivers a accumulated lump-sum payout at maturity with a low EGP 1,000 entry threshold.

Cons

  • Low annual return rate of 8.73% paired with a complete lack of periodic cash flow.

Our take

The QNB 3-Year Cumulative Certificate is designed for medium-term capital growth by accumulating accrued interest until maturity starting with an accessible EGP 1,000 entry point. While it helps build lump-sum capital, the fixed 8.73% annual rate is significantly lower than existing short-to-medium-term payout alternatives in the market.

A 3-year cumulative CD offering an 8.73% annual fixed rate paid at maturity with a EGP 1,000 minimum deposit.

Compare

Alternatives at a glance
Fixed certificate QNB EGYPT This one Egypt Certificate QNB EGYPT 5-year certificate Al Ahli Bank of Kuwait – Egypt SAIB Crystal 5-Year Certificate saib bank
Total yield · At maturity
26.19% 9.1% Annual yield10.5% – 13% Yield by payout11% Annual yield
Term
3 yrs 3 yrs 5 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
At maturity Quarterly Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:26 PM Updated Thursday 15 October 2026 - 01:03 AM