Fixed certificate — QNB EGYPT | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
  • Central Bank of Egypt
  • 🇺🇸 USD Buy 55.28 Sell 55.42 −0.08 −0.15%
  • 🇪🇺 EUR Buy 61.80 Sell 61.97 −0.25 −0.40%
  • 🇬🇧 GBP Buy 74.13 Sell 74.34 −0.11 −0.15%
  • 🇸🇦 SAR Buy 14.73 Sell 14.77 −0.02 −0.16%
  • 🇦🇪 AED Buy 15.05 Sell 15.09 −0.02 −0.15%
  • 🇰🇼 KWD Buy 179.43 Sell 179.94 −0.22 −0.12%
  • 24 Karat 7,040.00 +25.00 +0.36%
  • 21 Karat 6,160.00 +20.00 +0.33%
  • 18 Karat 5,280.00 +15.00 +0.28%
  • Gold Pound 49,280.00 +160.00 +0.33%
  • Ounce 218,970.00 +710.00 +0.33%

Fixed certificate

QNB EGYPT · Certificates · Egyptian Pound · 3.5 · Thursday 08 October 2026 - 03:21 PM

A long-term 10-year fixed CD yielding 11% monthly with a low EGP 1,000 initial purchase requirement.

Annual yield
11%
Term
10 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
10 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.

Enter values to see the result.

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

Our take 3.5

3.5 Banky rating

Pros

  • Guarantees stable monthly payouts for a decade.

Cons

  • Relatively low 11% interest rate

Our take

The QNB 10-Year Fixed Rate Certificate provides extreme long-term cash flow predictability with an entry threshold of EGP 1,000. However, the 11% fixed rate is relatively low compared to current inflation and short-term alternatives, locking up capital for a decade with reduced purchasing power efficiency.

A long-term 10-year fixed CD yielding 11% monthly with a low EGP 1,000 initial purchase requirement.

Compare

Alternatives at a glance
Fixed certificate QNB EGYPT This one SAIB Crystal 5-Year Certificate saib bank 5-year certificate Al Ahli Bank of Kuwait – Egypt Fixed certificate QNB EGYPT
Annual yield
11% 11% 10.5% – 13% Yield by payout10.5%
Term
10 yrs 5 yrs 5 yrs 7 yrs
Min. deposit
EGP 1,000 EGP 5,000 EGP 1,000 EGP 1,000
Payout
Monthly Monthly Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:40 PM Updated Saturday 10 October 2026 - 10:29 PM