3-year savings certificates with variable monthly interest
A 3-year certificate featuring a monthly floating yield set at the CBE overnight rate + 0.50%, accessible with a minimum deposit of EGP 5,000.
- Current annual yield · variable
- 20.5%
- Term
- 3 yrs
- Min. deposit
- EGP 5,000
- 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
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 5,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal term
- Flexible
- Available online
- Yes
- Branch visit required
- Yes
- National ID required
- Yes
Do the maths
Our take
Pros
- When the CBE changes its deposit rate, the new rate will automatically apply after adding the return accrued for the current week to the customer’s account.
- Minimum Issuance Amount: EGP 5000, in multiples of EGP 1000.
Cons
- Variable return: The return is not fixed and may decrease if the CBE reduces its deposit rate.
- Six-month lock-in period: Customers cannot redeem the certificate during the first 6 months.
Our take
The Emirates NBD 3-Year Floating Rate Certificate is an attractive medium-term savings instrument designed to capitalize on high-interest environments by offering a yield tied to the Central Bank of Egypt's overnight deposit rate plus a premium (+0.50%). It is highly accessible for retail investors due to its low EGP 5,000 entry point and convenient monthly distribution. However, because the yield fluctuates directly with central bank policy, returns remain subject to downside risk if interest rates are reduced in the future.
A 3-year certificate featuring a monthly floating yield set at the CBE overnight rate + 0.50%, accessible with a minimum deposit of EGP 5,000.
Compare
| 3-year savings certificates with variable monthly interest Emirates NBD This one | Platinum Variable Interest Certificate National Bank of Egypt | Gary Plus certificate SUEZ CANAL BANK | 3-year certificate with variable return CIB Egypt |
|---|---|---|---|
| Current annual yield · variable | |||
| 20.5% | 20.5% | 20.5% | 20.25% – 20.5% Current yield · variable |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 5,000 | EGP 1,000 | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Monthly | Monthly | Monthly | Daily 20.25% · Monthly 20.5% |
Added Monday 29 June 2026 - 11:30 AM Updated Friday 30 October 2026 - 01:29 PM