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 - 04:39 PM

An 8-year cumulative CD yielding an 8.08% annual rate payable at maturity with a EGP 1,000 minimum deposit.

Total yield · At maturity
64.66%
Over 8 yrs · avg. 8.08% a year · Redeems 164.66%
Term
8 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
    8.08% 6.25% announced

Amount & term

Term
8 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

  • Allows long-horizon wealth building from a low starting deposit.

Cons

  • Annual rate reduces compared to the 7-year option despite a longer holding period

Our take

The QNB 8-Year Cumulative Certificate structures long-term savings over an 8-year duration with an initial EGP 1,000 threshold. However, the interest rate scales back down to an 8.08% annual rate, making it less attractive given the extensive timeframe.

An 8-year cumulative CD yielding an 8.08% annual rate payable at maturity with a EGP 1,000 minimum deposit.

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
64.66% 45.36% 10.5% – 13% Yield by payout11% Annual yield
Term
8 yrs 6 yrs 5 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
At maturity At maturity Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:37 PM Updated Thursday 15 October 2026 - 01:04 AM