Emerald Certificates — Arab African International Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Emerald Certificates

Arab African International Bank · Certificates · Egyptian Pound · 4.0 · Sunday 28 June 2026 - 12:09 PM

The ideal choice for those with boundless ambition, offering exclusive benefits and competitive interest rates.

Yield by payout
17.75% – 19%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 17.75% · Quarterly 18% · Semi-annual 18.25% · Annual 19%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Several payout options

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 17.75% · Quarterly 18% · Semi-annual 18.25% · Annual 19%
Rate tiers
  1. ≥ EGP 1,000 Compounded monthly
    17.75%
  2. ≥ EGP 1,000 Compounded quarterly
    18%
  3. ≥ EGP 1,000 Compounded semi-annually
    18.25%
  4. ≥ EGP 1,000 Compounded annually
    19%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
Yes
Branch visit required
Yes
National ID required
Yes

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Emerald Certificates

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 4.0

4.0 Banky rating

Pros

  • Highly flexible variety in drainage cycles.
  • Complete stability (fixed return): Once the certificate is linked, the interest rate is fixed for the entire 3-year period.
  • Customers can apply for Secured

Cons

  • The certificate cannot be redeemed or liquidated prior to the expiration of six months from its issuance date. In the event of early liquidation, the bank applies a deduction schedule to the return, with the deduction amount decreasing progressively based on the year in which the liquidation takes place.

Our take

The Arab African International Bank’s "Emerald" fixed-yield certificate is one of the most prestigious and renowned savings certificates in the Egyptian banking market. It offers a wide range of features designed to meet diverse customer needs. The Emerald fixed-yield certificate is a robust, secure, and highly reliable product, backed by the bank's excellent reputation in serving individual investors. It is an ideal choice if you seek complete financial stability and a major commercial bank that offers highly flexible profit payout options—particularly if you prefer annual returns or a cumulative return structure that allows you to reinvest capital into other assets, such as gold or real estate.

The ideal choice for those with boundless ambition, offering exclusive benefits and competitive interest rates.

Compare

Alternatives at a glance
Emerald Certificates Arab African International Bank This one National Bank of Egypt National Bank of Egypt Classic Certificate SUEZ CANAL BANK Diamond Plus Certificate Housing and Development Bank
Yield by payout
17.75% – 19% 17.75% – 17.85% 17.75% – 17.85% 17.75% – 18%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 250K
Payout
Monthly 17.75% · Quarterly 18% · Semi-annual 18.25% · Annual 19% Monthly 17.75% · Quarterly 17.85% Monthly 17.75% · Quarterly 17.85% Monthly 17.75% · Annual 18%
Compare with 3 similar certificates

Added Sunday 28 June 2026 - 12:01 PM Updated Friday 09 October 2026 - 12:21 PM