Egypt 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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Egypt Certificate

QNB EGYPT · Certificates · Egyptian Pound · 3.0 · Thursday 08 October 2026 - 03:25 PM

A 5-year certificate offering a 9.1% quarterly fixed payout with an EGP 1,000 minimum entry.

Annual yield
9.1%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Quarterly

Banky Analysis

Suits you if

  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Quarterly payout

Not for you if

  • I need monthly income
    • Quarterly payout
  • Grow my savings the most
    • Yield lower than average for this term

Not known yet

1 more detail we don't have yet

All of this is measured against products of 25–36 months in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Compounded quarterly
Yield by payout
Quarterly

Amount & term

Term
3 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

Egypt Certificate

Compute the total return and profit on a savings certificate, by payout.

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Our take 3.0

3.0 Banky rating

Pros

  • Supports national economic initiatives with a low EGP 1,000 entry point.

Cons

  • The 9.1% yield is low relative to standard market alternatives.

Our take

The QNB Tahya Misr Certificate is a national savings initiative that combines conservative returns with national development contributions. It is highly accessible at EGP 1,000. However, the 9.1% quarterly yield is relatively modest compared to standard market alternatives over a 5-year tenure.

A 5-year certificate offering a 9.1% quarterly fixed payout with an EGP 1,000 minimum entry.

Compare

Alternatives at a glance
Egypt 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
Annual yield
9.1% 26.19% Total yield · At maturity10.5% – 13% Yield by payout11%
Term
3 yrs 3 yrs 5 yrs 5 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
Quarterly At maturity Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:42 PM Updated Saturday 10 October 2026 - 10:29 PM