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 · 2.5 · Thursday 08 October 2026 - 04:36 PM

A 6-year cumulative certificate yielding a 7.56% annual rate payable at maturity, with a EGP 1,000 entry threshold.

Total yield · At maturity
45.36%
Over 6 yrs · avg. 7.56% a year · Redeems 145.36%
Term
6 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
    • Longer lock-in

All of this is measured against products of 61+ 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
    7.56% 6.25% announced

Amount & term

Term
6 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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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 2.5

2.5 Banky rating

Pros

  • Low initial minimum (EGP 1,000) for long-term savings accumulation.

Cons

  • Noticeably lower annual rate (7.56%) compared to shorter tenures.

Our take

The 6-Year Cumulative CD from QNB provides a 6-year saving structure starting at EGP 1,000. A key drawback is the rate drop to a 7.56% fixed annual yield, offering suboptimal gains relative to its extended duration.

A 6-year cumulative certificate yielding a 7.56% annual rate payable at maturity, with a EGP 1,000 entry threshold.

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
Total yield · At maturity
45.36% 7.5% – 7.63% Yield by payout10.5% – 13% Yield by payout11% Annual yield
Term
6 yrs 4 yrs 5 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
At maturity Quarterly 7.5% · Semi-annual 7.63% Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:33 PM Updated Thursday 15 October 2026 - 01:04 AM