al bedaya certificate — Kuwait Finance House 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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Islamic

al bedaya certificate

Kuwait Finance House Egypt · Certificates · Islamic · Egyptian Pound · 4.7 · Sunday 23 August 2026 - 11:36 AM

Al Bedaya Certificate is a flexible savings option offering returns of up to 16.75%, with a minimum issuance amount of EGP 5,000 and financing of up to 95% of the certificate’s value.

Expected profit by payout
16% – 16.75%
Term
3 yrs
Min. deposit
EGP 5,000
Payout
Monthly 16% · Quarterly 16.25% · Semi-annual 16.5% · Annual 16.75%

Returns

Yield type
Floating
Payout
Multiple
Yield by payout
Monthly 16% · Quarterly 16.25% · Semi-annual 16.5% · Annual 16.75%
Rate tiers
  1. ≥ EGP 5,000 Year 3Compounded monthly
    16%
  2. ≥ EGP 5,000 Year 3Compounded quarterly
    16.25%
  3. ≥ EGP 5,000 Year 3Compounded semi-annually
    16.5%
  4. ≥ EGP 5,000 Year 3Compounded annually
    16.75%

Amount & term

Term
3 yrs
Min deposit
EGP 5,000

Withdrawal & renewal

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

Do the maths

al bedaya certificate

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

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Our take 4.7

4.7 Banky rating

Pros

  • Possibility of obtaining financing of up to 95% of the certificate’s value.

Cons

  • The certificate cannot be redeemed until 6 months have passed from the issuance date. An early redemption penalty will apply.

Our take

Al Bedaya Certificate is considered a suitable savings product for a wide range of customers, particularly due to its low minimum issuance amount of EGP 5,000, flexible tenors, and multiple return payment options. The ability to obtain financing of up to 95% of the certificate’s value further enhances its attractiveness, while customers should consider the 6-month minimum redemption period and applicable early redemption penalty. With returns of up to 16.75%, the certificate is a suitable option for customers seeking a medium-term investment with regular returns.

Al Bedaya Certificate is a flexible savings option offering returns of up to 16.75%, with a minimum issuance amount of EGP 5,000 and financing of up to 95% of the certificate’s value.

Compare

Alternatives at a glance
al bedaya certificate Kuwait Finance House Egypt This one 3 Years Al Ghina Suk Abu Dhabi Islamic Bank Egypt El Safwa Certificate Kuwait Finance House Egypt
Expected profit by payout
16% – 16.75% 17.5% – 19% 18% – 18.5%
Term
3 yrs 3 yrs 3 yrs
Min. deposit
EGP 5,000 EGP 2.5M EGP 50K
Payout
Monthly 16% · Quarterly 16.25% · Semi-annual 16.5% · Annual 16.75% Monthly 17.5% · Quarterly 17.75% · Annual 19% Monthly 18% · Quarterly 18.25% · Annual 18.5%
Compare with 2 similar certificates

Added Saturday 06 June 2026 - 08:28 PM Updated Saturday 10 October 2026 - 10:52 PM