Gary Flex Certificate
A variable-rate certificate with daily payouts and a 17.25% minimum return, combining exposure to interest-rate movements with a return floor.
- Current annual yield · variable
- 20.25%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Daily
Banky Analysis
Suits you if
- I need monthly income
- Daily payout
- Grow my savings the most
- Yield higher than average for this term
- Keep my money reachable
- Daily payout
Not for you if
- I want a predictable return
- The return is variable
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
- Floating
- Payout
- Daily
- Yield by payout
- Daily
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
| From day | Penalty | Description |
|---|---|---|
| 180 | 2.5% | بعد مرور 6 أشهر |
| 360 | 2% | خلال السنة الثانية |
| 720 | 1% | خلال السنة الثالثة |
Do the maths
Our take
Pros
- The 17.25% minimum return provides some protection if interest rates decline, while allowing customers to benefit when rates rise.
Cons
- Despite the return floor, the certificate remains variable and linked to the CBE deposit rate, meaning the return could decline from its current level to the 17.25% minimum if interest rates fall.
Our take
The Gari Flex Certificate from Suez Canal Bank combines return flexibility with some protection against declining interest rates, offering a variable return of up to 20.25% with a minimum guaranteed return of 17.25%, along with daily payouts. Its low minimum investment of EGP 1,000 and zero issuance fees also make it accessible to a broad range of customers seeking a variable return with a degree of stability.
A variable-rate certificate with daily payouts and a 17.25% minimum return, combining exposure to interest-rate movements with a return floor.
Compare
| Gary Flex Certificate SUEZ CANAL BANK This one | 3-year certificate with variable return CIB Egypt | Platinum Variable Interest Certificate National Bank of Egypt | saib prime certificate saib bank |
|---|---|---|---|
| Current annual yield · variable | |||
| 20.25% | 20.25% – 20.5% Current yield · variable | 20.5% | 20% – 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 | |||
| Daily | Daily 20.25% · Monthly 20.5% | Monthly | Daily 20% · Monthly 20.5% |
Added Thursday 08 October 2026 - 02:22 AM Updated Friday 30 October 2026 - 01:43 PM