Alex Star with a 10-year cumulative return — Alex Bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Alex Star with a 10-year cumulative return

Alex Bank · Certificates · Egyptian Pound · 2.5 · Sunday 18 October 2026 - 02:33 PM
Total yield · At maturity
100%
Over 10 yrs · avg. 10% a year · Redeems 200%
Term
10 yrs
Min. deposit
EGP 5,000
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
    • 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
Rate tiers
  1. Any amount Year 1
    10%

Amount & term

Term
10 yrs
Min deposit
EGP 5,000

Withdrawal & renewal

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

Do the maths

Alex Star with a 10-year cumulative return

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

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Our take 2.5

2.5 Banky rating

Pros

  • It provides an opportunity to grow savings over a full 10 years with cumulative returns.
  • A fixed 10% rate ensures clear and consistent returns throughout the investment period.

Cons

  • Freezing money for a very long time (a whole year) reduces the investor's financial flexibility.
  • The likelihood of the return's purchasing power eroding over time due to inflation compared to the slow pace of the contract.

Our take

Alex Star Cumulative Certificate (10 years) A savings tool that lasts a whole decade, aimed at those who want very long-term savings. It offers a fixed and guaranteed return throughout the period, but it ties up your cash for a long time.

Compare

Alternatives at a glance
Alex Star with a 10-year cumulative return Alex Bank This one Fixed certificate QNB EGYPT 5-year certificate Al Ahli Bank of Kuwait – Egypt SAIB Crystal 5-Year Certificate saib bank
Total yield · At maturity
100% 10.25% – 10.5% Yield by payout10.5% – 13% Yield by payout11% Annual yield
Term
10 yrs 5 yrs 5 yrs 5 yrs
Min. deposit
EGP 5,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
At maturity Monthly 10.25% · Quarterly 10.5% · Semi-annual 10.5% Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Sunday 18 October 2026 - 02:27 PM Updated Monday 19 October 2026 - 12:27 PM