The certificate has a 10-year term.
A 10-year fixed-rate savings certificate offering returns of up to 7.25% annually, with borrowing facilities against the certificate and flexible payout options.
- Yield by payout
- 7% – 7.25%
- Term
- 10 yrs
- Min. deposit
- EGP 5,000
- Payout
- Quarterly 7% · Annual 7.25%
Banky Analysis
Suits you if
- I need monthly income
- Several payout options
- I want a predictable return
- Fixed return for the whole term
Not for you if
- 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 61+ months in EGP only
Last checked Monday 02 November 2026 - 04:02 PM
Returns
- Yield type
- Fixed
- Payout
- Multiple
- Yield by payout
- Quarterly 7% · Annual 7.25%
- ≥ EGP 5,0007%
- ≥ EGP 5,0007.25%
Amount & term
- Term
- 10 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
Do the maths
Our take
Pros
- borrowing facilities against the certificate and flexible payout options.
Cons
- The return is low compared to other savings alternatives.
Our take
ADCB's 10-year certificate offers a fixed annual return of 7.25% with annual payouts, compared with 7% with quarterly 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. However, the long investment term and relatively low return may make it less attractive to savers seeking higher returns or a shorter commitment.
A 10-year fixed-rate savings certificate offering returns of up to 7.25% annually, with borrowing facilities against the certificate and flexible payout options.
Compare
| The certificate has a 10-year term. 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 | |||
| 7% – 7.25% | 7.5% – 7.63% | 10.5% – 13% | 11% Annual yield |
| Term | |||
| 10 yrs | 4 yrs | 5 yrs | 5 yrs |
| Min. deposit | |||
| EGP 5,000 | EGP 1,000 | EGP 1,000 | EGP 5,000 |
| Payout | |||
| Quarterly 7% · Annual 7.25% | Quarterly 7.5% · Semi-annual 7.63% | Daily 10.5% · Monthly 13% · At maturity 52.5% total | Monthly |
Added Tuesday 27 October 2026 - 04:10 PM Updated Tuesday 27 October 2026 - 04:11 PM