Variable certificate — QNB EGYPT | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Variable certificate

QNB EGYPT · Certificates · Egyptian Pound · 4.5 · Thursday 08 October 2026 - 03:15 PM

A 3-year variable CD offering between 20% and 20.5% depending on payout frequency, with a EGP 1,000 minimum deposit.

Current yield · variable
20% – 20.5%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 20.5% · Quarterly 20%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Grow my savings the most
    • Yield higher than average for this term
  • Keep my money reachable
    • Several payout options

Not for you if

  • 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 20.5% · Quarterly 20%
Rate tiers
  1. Any amount Compounded monthly
    20.5%
  2. Any amount Compounded quarterly
    20%

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 4.5

4.5 Banky rating

Pros

  • Flexible monthly/quarterly payout options combined with an accessible EGP 1,000 entry point.

Cons

  • Returns will decrease if the central bank shifts toward monetary easing.

Our take

The QNB 3-Year Floating Rate Certificate allows depositors to capture high floating returns while tailoring their payout frequency (monthly or quarterly). Its low initial minimum requirement of EGP 1,000 makes it highly inclusive for retail investors. Nonetheless, depositors face yield risks should the Central Bank lower policy interest rates in the future.

A 3-year variable CD offering between 20% and 20.5% depending on payout frequency, with a EGP 1,000 minimum deposit.

Compare

Alternatives at a glance
Variable certificate QNB EGYPT This one saib prime certificate saib bank infinity certificate SUEZ CANAL BANK 3-year certificate with variable return CIB Egypt
Current yield · variable
20% – 20.5% 20% – 20.5% 20% Current annual yield · variable20.25% – 20.5%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 5M EGP 1,000
Payout
Monthly 20.5% · Quarterly 20% Daily 20% · Monthly 20.5% Daily Daily 20.25% · Monthly 20.5%
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:48 PM Updated Friday 30 October 2026 - 01:29 PM