3-year certificate with variable return
The 3-year variable-rate certificate is a suitable option for customers who wish to benefit from interest rate movements.
- Current yield · variable
- 19.5% – 19.75%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Monthly 19.5% · 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
- 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 19.5% · Quarterly 19.75%
- ≥ EGP 1,00019.5%
- ≥ EGP 1,00019.75%
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
Our take
Pros
- Benefit from interest rate changes: The return adjusts automatically based on changes made by the Central Bank of Egypt.
- Low minimum investment: The certificate can be issued starting from only EGP 1,000.
- The ability to obtain loans or credit facilities secured by the certificate.
- Flexible payout frequency: Allows the customer to choose the return payout frequency, whether monthly or quarterly.
Cons
- Variable return: The return may decrease if the Central Bank of Egypt lowers interest rates.
- Limited liquidity: The certificate cannot be redeemed during the first 6 months
Our take
The 3-year variable-rate certificate is suitable for customers seeking to benefit from changes in interest rates while receiving regular income, with the flexibility to choose monthly or quarterly interest payments. Its low minimum investment of EGP 1,000 and the ability to obtain credit facilities secured by the certificate further enhance its attractiveness. However, the return may decline if interest rates are reduced, while the six-month redemption restriction limits liquidity. Overall, the certificate is best suited to customers who prefer a variable return and expect interest rates to remain relatively high, while being able to commit their funds for three years.
The 3-year variable-rate certificate is a suitable option for customers who wish to benefit from interest rate movements.
Compare
| 3-year certificate with variable return bank abc This one | Variable certificate QNB EGYPT | 8-year savings certificates with variable interest rates Emirates NBD | saib prime certificate saib bank |
|---|---|---|---|
| Current yield · variable | |||
| 19.5% – 19.75% | 19.65% – 19.75% | 19.75% Current annual yield · variable | 20% – 20.5% |
| Term | |||
| 3 yrs | 5 yrs | 8 yrs | 3 yrs |
| Min. deposit | |||
| EGP 1,000 | EGP 1,000 | EGP 5,000 | EGP 1,000 |
| Payout | |||
| Monthly 19.5% · Quarterly 19.75% | Monthly 19.65% · Quarterly 19.75% | Monthly | Daily 20% · Monthly 20.5% |
Added Tuesday 08 September 2026 - 12:55 PM Updated Friday 30 October 2026 - 11:31 PM