Premium Certificate
The Premium Fixed-Rate Certificate is designed for customers with substantial savings who seek a stable monthly income and a fixed return throughout the certificate’s three-year term. With a minimum investment of EGP 1 million, the product targets a specific segment of customers while offering strong financing benefits, including loans and overdraft facilities of up to 95% of the certificate’s value, as well as a secured credit card of up to 90%. However, the six-month lock-in period and early r
- Annual yield
- 17.25%
- Term
- 3 yrs
- Min. deposit
- EGP 1M
- 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 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
- Compounded monthly
- Yield by payout
- Monthly
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 1,000,000
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 | 8% | السنه الاولي |
| 360 | 7% | السنه الثانية |
| 720 | 6% | السنه الثالثة |
Do the maths
Our take
Pros
- Financing against the certificate: Customers can obtain loans and overdraft facilities of up to 95% of the certificate’s value.
- Secured credit card: Customers may obtain a secured credit card of up to 90% of the certificate’s value.
Cons
- High minimum investment: The certificate requires a minimum investment of EGP 1 million, making it more suitable for customers with substantial savings.
- No redemption during the first 6 months: The certificate cannot be redeemed before six months from the issuance date.
Our take
The Premium Fixed-Rate Certificate is designed for customers with substantial savings who seek a stable monthly income and a fixed return throughout the certificate’s three-year term. With a minimum investment of EGP 1 million, the product targets a specific segment of customers while offering strong financing benefits, including loans and overdraft facilities of up to 95% of the certificate’s value, as well as a secured credit card of up to 90%. However, the six-month lock-in period and early redemption charges reduce liquidity flexibility. Overall, the certificate is suitable for customers who prioritize stable returns and regular monthly income and do not require access to their invested funds in the short term.
The Premium Fixed-Rate Certificate is designed for customers with substantial savings who seek a stable monthly income and a fixed return throughout the certificate’s three-year term. With a minimum investment of EGP 1 million, the product targets a specific segment of customers while offering strong financing benefits, including loans and overdraft facilities of up to 95% of the certificate’s value, as well as a secured credit card of up to 90%. However, the six-month lock-in period and early r
Compare
| Premium Certificate Egbank This one | Prime certificate saib bank | Diamond Certificate Credit Agricole Egypt | Fixed certificate QNB EGYPT |
|---|---|---|---|
| Annual yield | |||
| 17.25% | 17.25% – 17.75% Yield by payout | 17% | 17.5% – 17.65% Yield by payout |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 1M | EGP 1,000 | EGP 10K | EGP 1,000 |
| Payout | |||
| Monthly | Daily 17.25% · Monthly 17.75% | Monthly | Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65% |
Added Wednesday 09 September 2026 - 01:38 PM Updated Saturday 10 October 2026 - 10:29 PM