3 - year Accumulated Certificate of Deposit
3 - year Accumulated Certificate of Deposit from Ahli Bank of Kuwait – Egypt offers a fixed return for up to 10 years, with borrowing facilities of up to 95% of the certificate’s value.
- Total yield · At maturity
- 60%
- Over 3 yrs · avg. 20% a year · Redeems 160%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- At maturity
Banky Analysis
Suits you if
- I want a predictable return
- Fixed return for the whole term
Not for you if
- I need monthly income
- Paid at maturity
- Grow my savings the most
- Yield lower than average for this term
- 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
- ≥ EGP 1,00020% 15.77% announced
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 | 7% | السنة الأولي |
| 360 | 6% | السنة الثانية |
| 720 | 5% | السنة الثالثة |
Do the maths
Our take
Pros
- Ability to borrow up to 95% of the certificate’s value.
- Redemption is available after 6 months from the certificate issuance date.
Cons
- Redemption rate up to 7%.
Our take
3 - year Accumulated Certificate of Deposit offered by Ahli Bank of Kuwait – Egypt provides a competitive fixed return for savings and investment over a term of up to 10 years. The certificate starts at EGP 1,000 and multiples thereof. Redemption is available after 6 months for 3-year certificates and after 12 months for 7- and 10-year certificates, subject to the bank’s announced redemption schedules. The return is automatically credited to the customer’s current or savings account at maturity, and customers can borrow up to 95% of the certificate’s value. As of January 12, 2026, the 3-year certificate offers a 15.77% return payable at maturity, with a maturity value equivalent to 160% of the original certificate value.
3 - year Accumulated Certificate of Deposit from Ahli Bank of Kuwait – Egypt offers a fixed return for up to 10 years, with borrowing facilities of up to 95% of the certificate’s value.
Compare
| 3 - year Accumulated Certificate of Deposit Al Ahli Bank of Kuwait – Egypt This one | saib prime certificate saib bank | infinity certificate SUEZ CANAL BANK | Variable certificate QNB EGYPT |
|---|---|---|---|
| Total yield · At maturity | |||
| 60% | 20% – 20.5% Current yield · variable | 20% Current annual yield · variable | 20% – 20.5% Current yield · variable |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 1,000 | EGP 1,000 | EGP 5M | EGP 1,000 |
| Payout | |||
| At maturity | Daily 20% · Monthly 20.5% | Daily | Monthly 20.5% · Quarterly 20% |
Added Monday 12 October 2026 - 07:36 PM Updated Wednesday 28 October 2026 - 01:13 AM