Premium Certificate — CIB Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
  • Central Bank of Egypt
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Premium Certificate

CIB Egypt · Certificates · Egyptian Pound · 4.5 · Monday 24 August 2026 - 04:25 PM

A suitable option for customers seeking a fixed monthly return in EGP, with a moderate minimum deposit and redemption after six months, but it requires a relatively long commitment.

Annual yield
18%
Term
3 yrs
Min. deposit
EGP 50K
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Monthly payout

Not for you if

  • Grow my savings the most
    • Yield higher than average for this term

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
Fixed
Payout
Compounded monthly
Yield by payout
Monthly

Amount & term

Term
3 yrs
Min deposit
EGP 50,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1808.75%بعد ٦ شهور
3657.75%السنة الثانية
7306.75%السنة الثالثة

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Our take 4.5

4.5 Banky rating

Pros

  • Fixed 18% annual return paid monthly.
  • Financing is available against the certificate, with full or partial redemption after six months.

Cons

  • Early redemption results in a reduced return according to the bank's applicable deduction schedule.

Our take

A good choice for customers seeking stable monthly income and who do not need short-term liquidity, with the added benefit of borrowing against the certificate.

A suitable option for customers seeking a fixed monthly return in EGP, with a moderate minimum deposit and redemption after six months, but it requires a relatively long commitment.

Compare

Alternatives at a glance
Premium Certificate CIB Egypt This one Elite Star Certificate SUEZ CANAL BANK Prestige Certificate Credit Agricole Egypt First Plus QNB EGYPT
Annual yield
18% 18% 18% 18%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 50K EGP 100K EGP 400K EGP 500K
Payout
Monthly Monthly Monthly Monthly
Compare with 3 similar certificates

Added Monday 18 May 2026 - 12:08 PM Updated Wednesday 26 August 2026 - 10:09 PM