Variable 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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Variable certificate

QNB EGYPT · Certificates · Egyptian Pound · 4.0 · Thursday 08 October 2026 - 03:19 PM

A socially-oriented 3-year variable CD offering up to 17.75% return with a EGP 1,000 initial minimum.

Current yield · variable
17.5% – 17.75%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 17.5% · Quarterly 17.75%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Keep my money reachable
    • Several payout options

Not for you if

  • Grow my savings the most
    • Yield lower than average for this term
  • I want a predictable return
    • The return is variable

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
Floating
Payout
Multiple
Yield by payout
Monthly 17.5% · Quarterly 17.75%
Rate tiers
  1. Any amount Compounded monthly
    17.5%
  2. Any amount Compounded quarterly
    17.75%

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

Variable certificate

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

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

Our take 4.0

4.0 Banky rating

Pros

  • Allows depositors to incorporate charitable contributions into their investment goals.

Cons

  • Variable returns are subject to central bank policy drops.

Our take

The QNB Nahr El-Kheir Certificate combines savings growth with social impact, allowing depositors to support charitable endeavors through their returns. It maintains low entry barriers (EGP 1,000) and fair rate structures. However, it may be less appealing for investors purely seeking maximum personal financial return.

A socially-oriented 3-year variable CD offering up to 17.75% return with a EGP 1,000 initial minimum.

Compare

Alternatives at a glance
Variable certificate QNB EGYPT This one Fixed certificate QNB EGYPT National Bank of Egypt National Bank of Egypt Prime certificate saib bank
Current yield · variable
17.5% – 17.75% 17.5% – 17.65% Yield by payout17.75% – 17.85% Yield by payout17.25% – 17.75% Yield by payout
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 1,000
Payout
Monthly 17.5% · Quarterly 17.75% Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65% Monthly 17.75% · Quarterly 17.85% Daily 17.25% · Monthly 17.75%
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:47 PM Updated Saturday 10 October 2026 - 10:29 PM