Five-Year Certificate
A five-year fixed-rate savings certificate offering returns of up to 8.25% annually, flexible payout options, and borrowing facilities against the certificate.
- Yield by payout
- 8% – 8.25%
- Term
- 5 yrs
- Min. deposit
- EGP 5,000
- Payout
- Monthly 8% · Quarterly 8.25%
Banky Analysis
Suits you if
- I want a predictable return
- Fixed return for the whole term
Not for you if
- I need monthly income
- Advertised yield lower than average
- Grow my savings the most
- Yield lower than average for this term
- Keep my money reachable
- Longer lock-in
All of this is measured against products of 37–60 months in EGP only
Last checked Monday 02 November 2026 - 04:02 PM
Returns
- Yield type
- Fixed
- Payout
- Multiple
- Yield by payout
- Monthly 8% · Quarterly 8.25%
- ≥ EGP 5,0008%
- ≥ EGP 5,0008.25%
Amount & term
- Term
- 5 yrs
- Min deposit
- EGP 5,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- No
- Renewal term
- Flexible
- Available online
- No
- Branch visit required
- Yes
- National ID required
- Yes
| From day | Penalty | Description |
|---|---|---|
| 180 | 7% | بعد مرور 6 أشهر |
| 360 | 7.25% | خلال السنة الثانية |
| 720 | 7.5% | خلال السنة الثالثة |
| 1080 | 7.75% | خلال السنة الرابعة |
| 1440 | 7.75% | خلال السنة الخامس |
Do the maths
Our take
Pros
- Customers can choose between monthly payouts at 8% annually or quarterly payouts at 8.25%, with financing of up to 90% of the certificate's value.
Cons
- The return is low compared to other savings alternatives.
Our take
ADCB's five-year certificate offers a fixed annual return of 8.25% with quarterly payouts, compared with 8% for monthly payouts, and a minimum purchase amount of EGP 5,000. It also allows customers to access financing of up to 90% of the certificate's value, providing liquidity without breaking the certificate. However, the relatively low return and five-year commitment may limit its appeal to some savers.
A five-year fixed-rate savings certificate offering returns of up to 8.25% annually, flexible payout options, and borrowing facilities against the certificate.
Compare
| Five-Year Certificate Abu Dhabi Commercial Bank – Egypt This one | Fixed certificate QNB EGYPT | 5-year certificate Al Ahli Bank of Kuwait – Egypt | SAIB Crystal 5-Year Certificate saib bank |
|---|---|---|---|
| Yield by payout | |||
| 8% – 8.25% | 64.66% Total yield · At maturity | 10.5% – 13% | 11% Annual yield |
| Term | |||
| 5 yrs | 8 yrs | 5 yrs | 5 yrs |
| Min. deposit | |||
| EGP 5,000 | EGP 1,000 | EGP 1,000 | EGP 5,000 |
| Payout | |||
| Monthly 8% · Quarterly 8.25% | At maturity | Daily 10.5% · Monthly 13% · At maturity 52.5% total | Monthly |
Added Tuesday 27 October 2026 - 03:57 PM Updated Tuesday 27 October 2026 - 04:00 PM