Security Certificate — banque du caire | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Security Certificate

banque du caire · Certificates · Egyptian Pound · 3.0 · Monday 26 October 2026 - 01:10 PM

A three-year savings certificate offering a 13% return payable at maturity, alongside life insurance coverage.

Total yield · At maturity
39%
Over 3 yrs · avg. 13% a year · Redeems 139%
As the bank announces it: 13% a year, simple interest
Term
3 yrs
Min. deposit
EGP 500
Payout
At maturity

The total and the average annual profit rate (total ÷ years) are Banky's figures for comparing certificates on one unit; they do not change what the bank pays.

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
    • Paid at maturity

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
Fixed
Payout
At Maturity
Yield by payout
At maturity
Rate tiers
  1. Any amount
    13%
    As the bank announces it: 13% a year, simple interest

Amount & term

Term
3 yrs
Min deposit
EGP 500

Withdrawal & renewal

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

Do the maths

Security Certificate

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

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

Our take 3.0

3.0 Banky rating

Pros

  • Savings and Insurance Combined: The certificate offers a fixed annual return of 13%, paid at maturity.
  • life insurance coverage without a medical examination. It can be purchased in amounts starting from EGP 500

Cons

  • No Periodic Interest Payments: The return is paid entirely at the end of the three-year term, making the certificate less suitable for customers who need regular income from their savings.

Our take

Aman Certificate from Banque du Caire combines savings in Egyptian pounds with life insurance protection, offering a fixed annual return of 13% paid at the end of its three-year term. It can be purchased in amounts starting from EGP 500, and customers are exempt from account-opening fees and can receive a prepaid card or mobile wallet free of charge, in addition to life insurance coverage without a medical examination. However, interest is paid only at maturity, and the certificate cannot be used as collateral for loans or credit cards, limiting access to its value before maturity.

A three-year savings certificate offering a 13% return payable at maturity, alongside life insurance coverage.

Compare

Alternatives at a glance
Security Certificate banque du caire This one Three-year savings certificates Emirates NBD Fixed certificate QNB EGYPT Platinum Certificate National Bank of Egypt
Total yield · At maturity
39% 13% Annual yield84.09% 16.42% – 17.5% Current yield · variable
Term
3 yrs 3 yrs 7 yrs 3 yrs
Min. deposit
EGP 500 EGP 1,000 EGP 1,000 EGP 1,000
Payout
At maturity Monthly At maturity Monthly 16.42% · Annual 17.5%
Compare with 3 similar certificates

Added Monday 26 October 2026 - 01:06 PM Updated Monday 26 October 2026 - 01:11 PM