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 · 3.8 · Thursday 08 October 2026 - 03:24 PM

A 5-year fixed CD paying up to 10.5% based on settlement schedule, accessible at EGP 1,000.

Yield by payout
10.25% – 10.5%
Term
5 yrs
Min. deposit
EGP 1,000
Payout
Monthly 10.25% · Quarterly 10.5% · Semi-annual 10.5%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • I want a predictable return
    • Fixed return for the whole term

Not for you if

  • 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
Monthly 10.25% · Quarterly 10.5% · Semi-annual 10.5%
Rate tiers
  1. Any amount Compounded monthly
    10.25%
  2. Any amount Compounded quarterly
    10.5%
  3. Any amount Compounded semi-annually
    10.5%

Amount & term

Term
5 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 3.8

3.8 Banky rating

Pros

  • Flexible payout choices with low entry minimums.

Cons

  • Subdued yield rate between 10.25% and 10.5% over a 5-year lock period.

Our take

The QNB 5-Year Fixed CD provides structured long-term stability with flexible distribution intervals starting from EGP 1,000. However, its rate capped at 10.5% provides lower real yields compared to shorter tenure options.

A 5-year fixed CD paying up to 10.5% based on settlement schedule, accessible at EGP 1,000.

Compare

Alternatives at a glance
Fixed certificate QNB EGYPT This one 5-year certificate Al Ahli Bank of Kuwait – Egypt Fixed certificate QNB EGYPT SAIB Crystal 5-Year Certificate saib bank
Yield by payout
10.25% – 10.5% 10.5% – 13% 10.5% Annual yield11% Annual yield
Term
5 yrs 5 yrs 7 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
Monthly 10.25% · Quarterly 10.5% · Semi-annual 10.5% Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:34 PM Updated Saturday 10 October 2026 - 10:27 PM