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 · 3.5 · Thursday 08 October 2026 - 03:22 PM

A 7-year fixed certificate delivering a 10.5% monthly payout with a minimum entry of EGP 1,000.

Annual yield
10.5%
Term
7 yrs
Min. deposit
EGP 1,000
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed return for the whole term

Not for you if

  • Keep my money reachable
    • Longer lock-in

Not known yet

1 more detail we don't have yet

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
Compounded monthly
Yield by payout
Monthly

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

Do the maths

Fixed certificate

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

Our take 3.5

3.5 Banky rating

Pros

  • Secures fixed cash flow over 7 years with an easy EGP 1,000 threshold.

Cons

  • The 10.5% return rate is uncompetitive in current market environments.

Our take

The QNB 7-Year Fixed CD offers a extended fixed payout model for conservative depositors starting at EGP 1,000. The major drawback is the modest 10.5% annual rate, which struggles to stay competitive in high-yield market conditions.

A 7-year fixed certificate delivering a 10.5% monthly payout with a minimum entry of 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
Annual yield
10.5% 10.5% – 13% Yield by payout10.25% – 10.5% Yield by payout11%
Term
7 yrs 5 yrs 5 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
Monthly Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly 10.25% · Quarterly 10.5% · Semi-annual 10.5% Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:39 PM Updated Saturday 10 October 2026 - 10:28 PM