Cumulative Certificate — BANQUE MISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Cumulative Certificate

BANQUE MISR · Certificates · Egyptian Pound · 4.5 · Thursday 08 October 2026 - 12:50 AM

A three-year certificate offering a 66.56% cumulative return paid at maturity, with a minimum investment of EGP 1,000.

Total yield · At maturity
66.56%
Over 3 yrs · avg. 22.19% a year · Redeems 166.56%
As the bank announces it: Cumulative 66.65%, equivalent to 17.75% compounded semi-annually
Term
3 yrs
Min. deposit
EGP 1,000
Payout
At maturity

The total and the average annual profit rate (total ÷ years) are Banky's figures for comparing certificates on one unit; they do not change what the bank pays.

Banky Analysis

Suits you if

  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed return for the whole term

Not for you if

  • I need monthly income
    • Paid at maturity
  • Keep my money reachable
    • Paid at maturity

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
At Maturity
Yield by payout
At maturity
Rate tiers
  1. Any amount
    22.19%
    As the bank announces it: Cumulative 66.65%, equivalent to 17.75% compounded semi-annually

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
No
Branch visit required
Yes
National ID required
Yes

Do the maths

Cumulative Certificate

Compute the total return and profit on a savings certificate, by payout.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.5

4.5 Banky rating

Pros

  • A high cumulative return paid at maturity, combined with the ability to borrow against the certificate.

Cons

  • The lack of periodic payouts means customers do not receive income from the certificate during the investment period and must wait until maturity to receive the return.

Our take

Banque Misr’s 3-Year Cumulative Savings Certificate is suitable for customers who prefer to grow their savings without requiring regular income, as the full cumulative return of 66.56% is paid at maturity after three years. The certificate has an accessible minimum investment of EGP 1,000, while also allowing partial or full redemption after six months, subject to the applicable rules, and borrowing against the certificate. However, the absence of periodic interest payouts is an important consideration, as the product does not provide regular cash flow during the investment period.

A three-year certificate offering a 66.56% cumulative return paid at maturity, with a minimum investment of EGP 1,000.

Compare

Alternatives at a glance
Cumulative Certificate BANQUE MISR This one Platinum Variable Interest Certificate National Bank of Egypt Gary Plus certificate SUEZ CANAL BANK 3-year certificate with variable return CIB Egypt
Total yield · At maturity
66.56% 20.5% Current annual yield · variable20.5% Current annual yield · variable20.25% – 20.5% Current yield · variable
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 1,000
Payout
At maturity Monthly Monthly Daily 20.25% · Monthly 20.5%
Compare with 3 similar certificates

Added Thursday 08 October 2026 - 12:46 AM Updated Sunday 18 October 2026 - 11:08 AM