Alex Star with a 7-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 7-year cumulative return

Alex Bank · Certificates · Egyptian Pound · 2.9 · Sunday 18 October 2026 - 11:37 PM
Total yield · At maturity
63%
Over 7 yrs · avg. 9% a year · Redeems 163%
Term
7 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
    9%

Amount & term

Term
7 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 7-year cumulative return

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 2.9

2.9 Banky rating

Pros

  • Collecting all the profits to be paid out at the end of the term, which achieves a compound return over the seven years.
  • A fixed interest rate throughout the term protects the client from market fluctuations.

Cons

  • Periodic illiquidity where profits and capital are locked until the full term ends.
  • نسبة الفائدة (9%) تعتبر منخفضة نسبياً مقارنة بالمطروح في السوق.

Our take

Alex Star Cumulative Certificate (7 years) A long-term savings account aimed at customers who want to lock their savings for a medium to long period, relying on a cumulative interest system at the end of the term. However, its return remains limited compared to current economic changes.

Compare

Alternatives at a glance
Alex Star with a 7-year cumulative return Alex Bank This one Egypt Certificate QNB EGYPT 5-year certificate Al Ahli Bank of Kuwait – Egypt SAIB Crystal 5-Year Certificate saib bank
Total yield · At maturity
63% 9.1% Annual yield10.5% – 13% Yield by payout11% Annual yield
Term
7 yrs 3 yrs 5 yrs 5 yrs
Min. deposit
EGP 5,000 EGP 1,000 EGP 1,000 EGP 5,000
Payout
At maturity Quarterly Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly
Compare with 3 similar certificates

Added Sunday 18 October 2026 - 08:52 PM Updated Tuesday 20 October 2026 - 02:05 PM