Three-year certificate with daily return
The 3-year daily-interest certificate is suitable for customers seeking a fixed return with daily interest payments, particularly given its low minimum investment of EGP 1,000 and the ability to borrow up to 90% of the certificate’s nominal value. Its availability to minors also expands its potential customer base. However, the six-month redemption restriction and the recalculation of returns upon early redemption reduce liquidity flexibility. Customers should also consider the cost of borrowing
- Annual yield
- 16.5%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Daily
Banky Analysis
Suits you if
- I need monthly income
- Daily payout
- I want a predictable return
- Fixed return for the whole term
- Keep my money reachable
- Daily payout
Not for you if
- Grow my savings the most
- Yield lower than average for this term
Not known yet
1 more detail we don't have yet
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
- Fixed
- Payout
- Daily
- Yield by payout
- Daily
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 1,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- No
- Renewal term
- Flexible
- Available online
- Yes
- Branch visit required
- Yes
- National ID required
- Yes
| From day | Penalty | Description |
|---|---|---|
| 180 | 7% | من 7 أشهر إلى 12 شهر |
| 360 | 6% | السنة الثانية |
| 720 | 5% | السنة الثالثة |
Do the maths
Our take
Pros
- Loan facility: Customers can obtain financing of up to 90% of the certificate’s nominal value
- Available to minors: The certificate is available to individuals, including minors.
Cons
- No redemption during the first 6 months: This limits liquidity during the initial period.
- Early redemption charge: Redeeming the certificate before maturity results in a recalculation of the return and a deduction from the total calculated interest.
Our take
The 3-year daily-interest certificate is suitable for customers seeking a fixed return with daily interest payments, particularly given its low minimum investment of EGP 1,000 and the ability to borrow up to 90% of the certificate’s nominal value. Its availability to minors also expands its potential customer base. However, the six-month redemption restriction and the recalculation of returns upon early redemption reduce liquidity flexibility. Customers should also consider the cost of borrowing, as the interest rate on loans secured by the certificate is at least 2% above the applicable certificate rate. Overall, the certificate is best suited to customers who prefer stable daily income and can commit their funds for three years.
The 3-year daily-interest certificate is suitable for customers seeking a fixed return with daily interest payments, particularly given its low minimum investment of EGP 1,000 and the ability to borrow up to 90% of the certificate’s nominal value. Its availability to minors also expands its potential customer base. However, the six-month redemption restriction and the recalculation of returns upon early redemption reduce liquidity flexibility. Customers should also consider the cost of borrowing
Compare
| Three-year certificate with daily return Egbank This one | Diamond Certificate Credit Agricole Egypt | Prime certificate saib bank | Fixed certificate QNB EGYPT |
|---|---|---|---|
| Annual yield | |||
| 16.5% | 17% | 17.25% – 17.75% Yield by payout | 17.5% – 17.65% Yield by payout |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 1,000 | EGP 10K | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Daily | Monthly | Daily 17.25% · Monthly 17.75% | Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65% |
Added Wednesday 09 September 2026 - 12:13 PM Updated Saturday 10 October 2026 - 11:01 PM