Floating Certificates of Deposit
Automatically keeping pace with the market: The return is not fixed; instead, it fluctuates in line with the Central Bank of Egypt's decisions.
- Current yield · variable
- 20% – 20.5%
- Term
- 3 yrs
- Min. deposit
- EGP 5,000
- Payout
- Daily 20.25% · Monthly 20.5% · Quarterly 20%
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
- Daily 20.25% · Monthly 20.5% · Quarterly 20%
- ≥ EGP 5,00020.25%
- ≥ EGP 5,00020.5%
- ≥ EGP 5,00020%
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 5,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal term
- 3 yrs
- Available online
- Yes
- Branch visit required
- Yes
- National ID required
- Yes
| From day | Penalty | Description |
|---|---|---|
| 180 | 2.5% | نسبة الاسترداد خلال السنه الأولى حال دورية الصرف يومي وشهري |
| 365 | 3% | نسبة الاسترداد خلال السنه الأولى حال دورية الصرف ربع سنوي |
| 366 | 1.5% | نسبة الاسترداد خلال السنه الثانية حال دورية الصرف يومي وشهري |
| 366 | 2% | نسبة الاسترداد خلال السنه الثانية حال دورية الصرف ربع سنوي |
| 1096 | 1% | نسبة الاسترداد خلال السنه الثالثة حال دورية الصرف يومي وشهري |
| 1096 | 1% | نسبة الاسترداد خلال السنه الثالثة حال دورية الصرف ربع سنوي |
Do the maths
Our take
Pros
- Certificate purchases start at 5,000 EGP and multiples thereof.
- You can borrow or obtain credit cards secured by the certificate, up to 90% of its value.
- Flexible disbursement schedule options
Cons
- Risks of declining yields: Just as the certificate benefits from interest rate hikes, it is immediately and negatively affected if the central bank moves to lower interest rates.
- The certificate cannot be redeemed or cashed in prior to the expiration of six months from the business day following the date of purchase.
Our take
The Arab African International Bank’s variable-yield savings certificates are three-year savings instruments designed for those seeking investment flexibility; their returns are directly linked to the interest rates announced by the Central Bank of Egypt (the "corridor" rates). The Arab African variable-yield certificate is an excellent, smart choice if you anticipate that interest rates in the Egyptian market will remain high or trend upward in the near future and wish to capitalize on this rise immediately. Conversely, if indicators suggest an imminent rate cut, it is preferable to quickly lock your funds into fixed-yield certificates to secure the highest possible return for the longest duration.
Automatically keeping pace with the market: The return is not fixed; instead, it fluctuates in line with the Central Bank of Egypt's decisions.
Compare
| Floating Certificates of Deposit Arab African International Bank This one | saib prime certificate saib bank | infinity certificate SUEZ CANAL BANK | Variable certificate QNB EGYPT |
|---|---|---|---|
| Current yield · variable | |||
| 20% – 20.5% | 20% – 20.5% | 20% Current annual yield · variable | 20% – 20.5% |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 5,000 | EGP 1,000 | EGP 5M | EGP 1,000 |
| Payout | |||
| Daily 20.25% · Monthly 20.5% · Quarterly 20% | Daily 20% · Monthly 20.5% | Daily | Monthly 20.5% · Quarterly 20% |
Added Sunday 28 June 2026 - 11:47 AM Updated Friday 30 October 2026 - 11:30 PM