10 - year Accumulated Certificate of Deposit
Cumulative savings certificate with a 9.59% return, 250% maturity value, and loans up to 95% of its value.
- Total yield · At maturity
- 149.87%
- Over 10 yrs · avg. 14.99% a year · Redeems 249.87%
- Term
- 10 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 higher than average for this term
- Keep my money reachable
- Longer lock-in
All of this is measured against products of 61+ 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 1,00014.99% 9.59% announced
Amount & term
- Term
- 10 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 | 4% | السنة الأولى |
| 360 | 4.5% | السنة الثانية |
| 720 | 4.75% | السنة الثالثة |
| 1080 | 5% | السنة الرابعة |
| 1440 | 5% | السنة الخامسة |
| 1800 | 5.5% | السنة السادسة |
| 2160 | 6% | السنة السابعة |
| 2520 | 6.5% | السنة الثامنة |
| 2880 | 7% | السنة التاسعة |
| 3240 | 7.25% | السنة العاشرة |
Do the maths
Our take
Pros
- Ability to borrow up to 95% of the certificate’s value.
- Low minimum certificate investment of EGP 1,000.
Cons
- Redemption rate up to 7.25%.
Our take
The Cumulative Fixed-Rate Savings Certificate in Egyptian Pounds from Ahli Bank of Kuwait – Egypt offers a savings term of up to 10 years, starting from EGP 1,000, with borrowing facilities of up to 95% of its value. Based on the updated figures, it offers a 9.59% return payable at maturity, with a maturity value equivalent to 250% of the original investment.
Cumulative savings certificate with a 9.59% return, 250% maturity value, and loans up to 95% of its value.
Compare
| 10 - year Accumulated Certificate of Deposit Al Ahli Bank of Kuwait – Egypt This one | Variable certificate QNB EGYPT | Primo Certificate with Tiered Returns banque du caire | Four-year savings certificates with a fixed monthly return. Emirates NBD |
|---|---|---|---|
| Total yield · At maturity | |||
| 149.87% | 145.14% | 16% Average annual yield · variable | 13.5% Annual yield |
| Term | |||
| 10 yrs | 10 yrs | 3 yrs | 4 yrs |
| Min. deposit | |||
| EGP 1,000 | EGP 1,000 | EGP 50K | EGP 100K |
| Payout | |||
| At maturity | At maturity | Monthly | Monthly |
Added Monday 12 October 2026 - 08:55 PM Updated Wednesday 28 October 2026 - 01:15 AM