Premium Triple Savings Certificates — Emirates NBD | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Premium Triple Savings Certificates

Emirates NBD · Certificates · Egyptian Pound · 4.0 · Monday 31 August 2026 - 01:43 PM

The Premium 3-Year Savings Certificate is a suitable option for customers with substantial savings who are looking for a fixed return over a 3-year period. The certificate offers flexibility in interest-payment frequency, allowing customers to receive a 18% annual rate with monthly payments or a 18.5% annual rate with annual payments.

Yield by payout
18% – 18.5%
Term
3 yrs
Min. deposit
EGP 500K
Payout
Monthly 18% · Annual 18.5%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Several payout options

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
Multiple
Yield by payout
Monthly 18% · Annual 18.5%
Rate tiers
  1. Any amount Compounded monthly
    18%
  2. Any amount Compounded annually
    18.5%

Amount & term

Term
3 yrs
Min deposit
EGP 500,000

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

Premium Triple Savings Certificates

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 4.0

4.0 Banky rating

Pros

  • 3-year investment term, suitable for customers seeking a medium-term investment.
  • Fixed interest rate throughout the certificate term, providing greater certainty regarding expected returns.
  • Customers can choose between monthly or annual interest payments according to their financial needs.

Cons

  • The high minimum investment of EGP 500,000 may make the certificate unsuitable for customers with limited savings.
  • Full redemption is not allowed during the first 6 months, limiting liquidity at the beginning of the investment period.

Our take

The Premium 3-Year Savings Certificate is a suitable option for customers with substantial savings who are looking for a fixed return over a 3-year period. The certificate offers flexibility in interest-payment frequency, allowing customers to receive a 18% annual rate with monthly payments or a 18.5% annual rate with annual payments.

The Premium 3-Year Savings Certificate is a suitable option for customers with substantial savings who are looking for a fixed return over a 3-year period. The certificate offers flexibility in interest-payment frequency, allowing customers to receive a 18% annual rate with monthly payments or a 18.5% annual rate with annual payments.

Compare

Alternatives at a glance
Premium Triple Savings Certificates Emirates NBD This one Premium Certificate CIB Egypt Elite Star Certificate SUEZ CANAL BANK Prestige Certificate Credit Agricole Egypt
Yield by payout
18% – 18.5% 18% Annual yield18% Annual yield18% Annual yield
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 500K EGP 50K EGP 100K EGP 400K
Payout
Monthly 18% · Annual 18.5% Monthly Monthly Monthly
Compare with 3 similar certificates

Added Monday 29 June 2026 - 11:55 AM Updated Saturday 10 October 2026 - 10:42 PM