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 · 3.0 · Thursday 08 October 2026 - 04:41 PM

A 10-year cumulative certificate featuring a 14.51% annual rate paid at maturity with a EGP 1,000 entry point.

Total yield · At maturity
145.14%
Over 10 yrs · avg. 14.51% a year · Redeems 245.14%
Term
10 yrs
Min. deposit
EGP 1,000
Payout
At maturity

Banky Analysis

Suits you if

  • I want a predictable return
    • Fixed return for the whole term

Not for you if

  • I need monthly income
    • Paid at maturity
  • Grow my savings the most
    • Yield higher than average for this term
  • Keep my money reachable
    • Longer lock-in

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
At Maturity
Yield by payout
At maturity
Rate tiers
  1. Any amount
    14.51% 9% announced

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

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Variable certificate

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Our take 3.0

3.0 Banky rating

Pros

  • Highest annual yield (14.51%) in the cumulative category for long-term growth.

Cons

  • Extended decade-long lock-in period with zero access to liquidity or interim interest.

Our take

The QNB 10-Year Cumulative Certificate delivers the highest yield in the cumulative series, offering a 14.51% annual rate paid as a bulk sum after a decade. It is ideal for ultra long-term goals like retirement or children's education starting at EGP 1,000. However, complete lock-in for 10 years requires liquidity patience.

A 10-year cumulative certificate featuring a 14.51% annual rate paid at maturity with a EGP 1,000 entry point.

Compare

Alternatives at a glance
Variable certificate QNB EGYPT This one Primo Certificate with Tiered Returns banque du caire Four-year savings certificates with a fixed monthly return. Emirates NBD Diamond Certificate Credit Agricole Egypt
Total yield · At maturity
145.14% 16% Average annual yield · variable13.5% Annual yield17% Annual yield
Term
10 yrs 3 yrs 4 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 50K EGP 100K EGP 10K
Payout
At maturity Monthly Monthly Monthly
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:51 PM Updated Thursday 15 October 2026 - 01:05 AM