The variable triple certificate
- Current annual yield · variable
- 20%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Monthly
Banky Analysis
4.2/5
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
Not known yet
1 more detail we don't have yet
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
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 1,000
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
Our take
Pros
- It offers a high monthly return of 19% for 3 years, with the possibility of getting financing up to 95% of the certificate's value.
Cons
- The interest on financing backed by it is high (+5% above the yield) compared to fixed interest (+3%), and the certificate is subject to administrative fees (2% or 3% depending on the client tier), unlike the fixed certificate which is exempt from administrative fees.
Our take
The triple certificate with a 19% monthly variable return is a flexible investment option that allows you to benefit from any future increase in interest rates, with the possibility of borrowing up to 95% of its value using it as collateral. Despite its high return, it carries the risk of reduced earnings if interest rates fall, in addition to having administrative fees and loans with higher interest rates (+5% above the return) compared to the fixed certificate.
Compare
| The variable triple certificate Alex Bank This one | saib prime certificate saib bank | infinity certificate SUEZ CANAL BANK | Variable certificate QNB EGYPT |
|---|---|---|---|
| Current annual yield · variable | |||
| 20% | 20% – 20.5% Current yield · variable | 20% | 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 | |||
| Monthly | Daily 20% · Monthly 20.5% | Daily | Monthly 20.5% · Quarterly 20% |
Added Wednesday 21 October 2026 - 10:23 AM Updated Friday 30 October 2026 - 09:25 PM