Wealth Plus Certificate for three years
Tharwa Plus Certificate combines a fixed and variable return structure. Customers receive a fixed annual return of 18% during the first year, paid monthly, while the return becomes variable during the second and third years and is linked to the CBE deposit rate. This structure may allow customers to benefit if interest rates rise in the future, but it also exposes them to lower returns if interest rates decline. The ability to borrow up to 90% of the certificate’s nominal value provides addition
- Annual yield
- 18%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Monthly
Banky Analysis
Suits you if
- I need monthly income
- Monthly payout
- I want a predictable return
- Fixed return for the whole term
- Keep my money reachable
- Monthly payout
Not for you if
- Grow my savings the most
- Yield higher 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
- Compounded monthly
- Yield by payout
- Monthly
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 | 75% | من الشهر السابع وحتى سنة: 75% من مبلغ العائد المنصرف |
| 360 | 65% | السنة التانية: 65% من مبلغ العائد المنصرف |
| 720 | 55% | السنة التانية: 55% من مبلغ العائد المنصرف |
Do the maths
Our take
Pros
- Potential benefit from higher interest rates: The return becomes variable during the second and third years and is linked to the CBE deposit rate.
- Financing facility: Customers can borrow against up to 90% of the certificate’s nominal value.
Cons
- The return is not fixed throughout the full term: After the first year, the return becomes variable, making future income less predictable.
- High early-redemption cost: A 75% deduction from the paid return during months 7 through the end of the first year can represent a significant cost.
Our take
Tharwa Plus Certificate combines a fixed and variable return structure. Customers receive a fixed annual return of 18% during the first year, paid monthly, while the return becomes variable during the second and third years and is linked to the CBE deposit rate. This structure may allow customers to benefit if interest rates rise in the future, but it also exposes them to lower returns if interest rates decline. The ability to borrow up to 90% of the certificate’s nominal value provides additional financing flexibility, although the borrowing rate is at least 2% above the applicable certificate rate. Overall, the certificate may be suitable for customers seeking monthly income during the first year while maintaining potential exposure to future interest-rate movements, provided they are comfortable with a three-year investment period and the early-redemption charges.
Tharwa Plus Certificate combines a fixed and variable return structure. Customers receive a fixed annual return of 18% during the first year, paid monthly, while the return becomes variable during the second and third years and is linked to the CBE deposit rate. This structure may allow customers to benefit if interest rates rise in the future, but it also exposes them to lower returns if interest rates decline. The ability to borrow up to 90% of the certificate’s nominal value provides addition
Compare
| Wealth Plus Certificate for three years Egbank This one | Premium Certificate CIB Egypt | Elite Star Certificate SUEZ CANAL BANK | Prestige Certificate Credit Agricole Egypt |
|---|---|---|---|
| Annual yield | |||
| 18% | 18% | 18% | 18% |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 1,000 | EGP 50K | EGP 100K | EGP 400K |
| Payout | |||
| Monthly | Monthly | Monthly | Monthly |
Added Wednesday 09 September 2026 - 01:15 PM Updated Saturday 10 October 2026 - 10:21 PM