Platinum Variable Interest Certificate
The variable-rate certificate is the ideal choice for an investor who anticipates rising or stable interest rates.
- Current annual yield · variable
- 20.5%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Monthly
Banky Analysis
Suits you if
- I need monthly income
- Monthly payout
- Grow my savings the most
- Yield higher than average for this term
- Keep my money reachable
- Monthly payout
Not for you if
- I want a predictable return
- The return is variable
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
- Floating
- Payout
- Compounded monthly
- Yield by payout
- Monthly
- ≥ EGP 1,00020.5%
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
Do the maths
Our take
Pros
- Flexibility regarding interest rate movements: The customer benefits immediately when the Central Bank raises interest rates, without the need to break the certificate and reinvest the funds.
- A minimum return rate of no less than 17%, even if central bank interest rates decline.
- Various types of credit cards can be issued against the security of those certificates.
- The calculation of the return begins on the business day following the day of purchase.
- Regular payout cycle: The return is paid out monthly, with the calculation commencing on the business day following the purchase.
Cons
- The yield is negatively affected by the central bank's reduction of interest rates (down to a minimum of 17%).
- The certificate cannot be redeemed before the lapse of six months from the business day following the date of purchase.
- Early redemption is subject to the discount rules and schedules announced by the bank.
Our take
The National Bank of Egypt’s Platinum Certificate with a monthly variable return is linked to the Central Bank of Egypt’s deposit rate. This variable-rate certificate is an ideal choice for investors anticipating rising or stable interest rates in the short to medium term, as it allows them to benefit from any official rate hikes. Furthermore, the inclusion of a minimum return (17%) provides a valuable safety net—distinguishing it from conventional variable-rate products—should interest rates decline.
The variable-rate certificate is the ideal choice for an investor who anticipates rising or stable interest rates.
Compare
| Platinum Variable Interest Certificate National Bank of Egypt This one | Gary Plus certificate SUEZ CANAL BANK | 3-year certificate with variable return CIB Egypt | saib prime certificate saib bank |
|---|---|---|---|
| Current annual yield · variable | |||
| 20.5% | 20.5% | 20.25% – 20.5% Current 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 1,000 | EGP 1,000 |
| Payout | |||
| Monthly | Monthly | Daily 20.25% · Monthly 20.5% | Daily 20% · Monthly 20.5% |
Added Saturday 16 May 2026 - 03:22 PM Updated Friday 30 October 2026 - 11:29 PM