3-Year Fixed-Rate Certificate
The EGBANK 3-Year Fixed-Rate Certificate is suitable for customers seeking stable returns throughout a three-year investment period, with the flexibility to choose either monthly or quarterly interest payments. The low minimum investment of EGP 1,000 makes the certificate accessible to a wider range of customers, while the ability to obtain financing, a credit card, or an overdraft of up to 95% of the certificate’s value provides an important financing advantage. However, the six-month lock-in p
- Yield by payout
- 10.75% – 16.75%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Monthly 16.75% · Quarterly 10.75%
Banky Analysis
Suits you if
- I need monthly income
- Several payout options
- I want a predictable return
- Fixed return for the whole term
- Keep my money reachable
- Several payout options
Not for you if
- Grow my savings the most
- Yield lower than average for this term
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
- Multiple
- Yield by payout
- Monthly 16.75% · Quarterly 10.75%
- ≥ EGP 1,00016.75%
- ≥ EGP 1,00010.75%
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 | 4% | السنة الأولى |
| 360 | 3% | السنة الثانية |
| 720 | 2% | السنة الثالثة |
Do the maths
Our take
Pros
- Fixed return: The interest rate remains fixed throughout the certificate’s term, providing predictable returns.
- High financing limit: Customers can obtain a credit card, overdraft, or secured loan of up to 95% of the certificate’s value.
Cons
- No redemption before six months: Customers cannot redeem the certificate during the first six months
- Early redemption cost: Redemption after six months but before maturity may be subject to the bank’s applicable conditions or deductions.
Our take
The EGBANK 3-Year Fixed-Rate Certificate is suitable for customers seeking stable returns throughout a three-year investment period, with the flexibility to choose either monthly or quarterly interest payments. The low minimum investment of EGP 1,000 makes the certificate accessible to a wider range of customers, while the ability to obtain financing, a credit card, or an overdraft of up to 95% of the certificate’s value provides an important financing advantage. However, the six-month lock-in period and the three-year commitment reduce liquidity flexibility. Overall, the certificate may suit customers who prefer a fixed return and regular income while maintaining the option to use the certificate as collateral for financing.
The EGBANK 3-Year Fixed-Rate Certificate is suitable for customers seeking stable returns throughout a three-year investment period, with the flexibility to choose either monthly or quarterly interest payments. The low minimum investment of EGP 1,000 makes the certificate accessible to a wider range of customers, while the ability to obtain financing, a credit card, or an overdraft of up to 95% of the certificate’s value provides an important financing advantage. However, the six-month lock-in p
Compare
| 3-Year Fixed-Rate Certificate Egbank This one | SAIB Crystal 5-Year Certificate saib bank | 5-year certificate Al Ahli Bank of Kuwait – Egypt | Fixed certificate QNB EGYPT |
|---|---|---|---|
| Yield by payout | |||
| 10.75% – 16.75% | 11% Annual yield | 10.5% – 13% | 10.5% Annual yield |
| Term | |||
| 3 yrs | 5 yrs | 5 yrs | 7 yrs |
| Min. deposit | |||
| EGP 1,000 | EGP 5,000 | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Monthly 16.75% · Quarterly 10.75% | Monthly | Daily 10.5% · Monthly 13% · At maturity 52.5% total | Monthly |
Added Wednesday 09 September 2026 - 01:53 PM Updated Saturday 10 October 2026 - 10:30 PM