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 - 03:26 PM

A 4-year fixed certificate delivering up to 7.63% depending on payout choices, starting at EGP 1,000.

Yield by payout
7.5% – 7.63%
Term
4 yrs
Min. deposit
EGP 1,000
Payout
Quarterly 7.5% · Semi-annual 7.63%

Banky Analysis

Suits you if

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

Not for you if

  • I need monthly income
    • Advertised yield lower than average
  • Grow my savings the most
    • Yield lower than average for this term
  • Keep my money reachable
    • Longer lock-in

All of this is measured against products of 37–60 months in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Multiple
Yield by payout
Quarterly 7.5% · Semi-annual 7.63%
Rate tiers
  1. Any amount Compounded quarterly
    7.5%
  2. Any amount Compounded semi-annually
    7.63%

Amount & term

Term
4 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 3.0

3.0 Banky rating

Pros

  • Offers payout frequency options with low minimum requirements.

Cons

  • Yield is relatively uncompetitive under prevailing market rates.

Our take

The QNB 4-Year Fixed CD provides steady medium-term stability with a low EGP 1,000 minimum. Its main limitation is the conservative yield range (7.5% to 7.63%), which offers limited inflation protection.

A 4-year fixed certificate delivering up to 7.63% depending on payout choices, starting at EGP 1,000.

Compare

Alternatives at a glance
Fixed certificate QNB EGYPT This one Fixed certificate QNB EGYPT 5-year certificate Al Ahli Bank of Kuwait – Egypt SAIB Crystal 5-Year Certificate saib bank
Yield by payout
7.5% – 7.63% 45.36% Total yield · At maturity10.5% – 13% 11% Annual yield
Term
4 yrs 6 yrs 5 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
Quarterly 7.5% · Semi-annual 7.63% At maturity Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:28 PM Updated Saturday 10 October 2026 - 10:27 PM