Egyptians' Safety Certificate (Shahadat Aman al-Masriyeen) — BANQUE MISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Egyptians' Safety Certificate (Shahadat Aman al-Masriyeen)

BANQUE MISR · Certificates · Egyptian Pound · 3.0 · Monday 26 October 2026 - 01:26 PM

A savings certificate offering a 13% return, life insurance coverage, and prize opportunities, with a maximum investment of EGP 2,500.

Total yield · At maturity
39%
Over 3 yrs · avg. 13% a year · Redeems 139%
As the bank announces it: 13% a year
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

Amount & term

Term
3 yrs
Min deposit
EGP 500

Withdrawal & renewal

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

Do the maths

Egyptians' Safety Certificate (Shahadat Aman al-Masriyeen)

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

  • Multiple Benefits at a Low Entry Cost: The certificate combines savings, life insurance coverage, and the chance to win a tax-exempt prize of up to EGP 10,000, with redemption available at any time subject to the applicable terms.

Cons

  • Low Maximum Investment: The total certificate purchase is capped at EGP 2,500 across participating banks, limiting the amount customers can allocate to this savings product.

Our take

Aman Al-Masryeen Certificate combines savings in Egyptian pounds with life insurance coverage and the chance to win cash prizes, offering a 13% return. It can be purchased in amounts starting from EGP 500, up to a maximum of EGP 2,500 across participating banks. Additional benefits include exemption from purchase fees, the option to redeem the certificate at any time subject to the applicable terms, life insurance coverage, and the chance to win a tax-exempt prize of up to EGP 10,000. However, the maximum investment amount is low, and the available information does not specify periodic interest payments, which may limit its suitability for customers seeking to invest larger amounts or earn regular income.

A savings certificate offering a 13% return, life insurance coverage, and prize opportunities, with a maximum investment of EGP 2,500.

Compare

Alternatives at a glance
Egyptians' Safety Certificate (Shahadat Aman al-Masriyeen) BANQUE MISR 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 - 01:24 PM Updated Monday 26 October 2026 - 01:27 PM