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 - 03:16 PM

A 5-year variable-rate certificate yielding 19.65% to 19.75% based on distribution choice, starting at EGP 1,000.

Current yield · variable
19.65% – 19.75%
Term
5 yrs
Min. deposit
EGP 1,000
Payout
Monthly 19.65% · Quarterly 19.75%

Banky Analysis

Suits you if

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

Not for you if

  • I want a predictable return
    • The return is variable
  • Keep my money reachable
    • Longer lock-in

All of this is measured against products of 37–60 months in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Floating
Payout
Multiple
Yield by payout
Monthly 19.65% · Quarterly 19.75%
Rate tiers
  1. Any amount Compounded monthly
    19.65%
  2. Any amount Compounded quarterly
    19.75%

Amount & term

Term
5 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
No
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
No
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

  • Long tenure investment with competitive variable yields and low entry threshold.

Cons

  • Extended 5-year lock-in period exposes investor cash flow to eventual rate decreases.

Our take

The QNB 5-Year Floating Rate Certificate offers a longer-term option for depositors wishing to stay aligned with market rate adjustments over 5 years. It keeps the entry barrier low at EGP 1,000. However, committing capital for 5 years under a variable structure introduces uncertainty regarding cash flow if central rates drop over the long run.

A 5-year variable-rate certificate yielding 19.65% to 19.75% based on distribution choice, starting at EGP 1,000.

Compare

Alternatives at a glance
Variable certificate QNB EGYPT This one 8-year savings certificates with variable interest rates Emirates NBD saib prime certificate saib bank infinity certificate SUEZ CANAL BANK
Current yield · variable
19.65% – 19.75% 19.75% Current annual yield · variable20% – 20.5% 20% Current annual yield · variable
Term
5 yrs 8 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 5,000 EGP 1,000 EGP 5M
Payout
Monthly 19.65% · Quarterly 19.75% Monthly Daily 20% · Monthly 20.5% Daily
Compare with 3 similar certificates

Added Wednesday 03 June 2026 - 01:51 PM Updated Friday 30 October 2026 - 01:28 PM