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 - 04:37 PM

A 7-year cumulative CD providing a 12.01% annual rate paid at maturity, starting at EGP 1,000.

Total yield · At maturity
84.09%
Over 7 yrs · avg. 12.01% a year · Redeems 184.09%
Term
7 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
    12.01% 8.75% announced

Amount & term

Term
7 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 3.0

3.0 Banky rating

Pros

  • Significantly higher annual yield (12.01%) than shorter cumulative tenures.

Cons

  • Long 7-year commitment with zero interim payout flexibility.

Our take

The QNB 7-Year Cumulative CD offers a notable step up in returns within the cumulative lineup, jumping to a 12.01% annual rate. Accessible from EGP 1,000, it suits long-range financial planning. However, the 7-year lock-in period presents liquidity restrictions.

A 7-year cumulative CD providing a 12.01% annual rate paid at maturity, starting at EGP 1,000.

Compare

Alternatives at a glance
Fixed certificate QNB EGYPT This one Platinum Certificate National Bank of Egypt Three-year savings certificates Emirates NBD SAIB Crystal 5-Year Certificate saib bank
Total yield · At maturity
84.09% 16.42% – 17.5% Current yield · variable13% Annual yield11% Annual yield
Term
7 yrs 3 yrs 3 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
At maturity Monthly 16.42% · Annual 17.5% Monthly Monthly
Compare with 3 similar certificates

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