3-year certificate with variable return — CIB Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
  • Central Bank of Egypt
  • 🇺🇸 USD Buy 55.37 Sell 55.51 −0.35 −0.63%
  • 🇪🇺 EUR Buy 62.05 Sell 62.22 −0.13 −0.21%
  • 🇬🇧 GBP Buy 74.26 Sell 74.45 −0.36 −0.48%
  • 🇸🇦 SAR Buy 14.75 Sell 14.79 −0.09 −0.63%
  • 🇦🇪 AED Buy 15.07 Sell 15.11 −0.09 −0.62%
  • 🇰🇼 KWD Buy 179.65 Sell 180.15 −1.14 −0.63%
  • 24 Karat 7,040.00 +25.00 +0.36%
  • 21 Karat 6,160.00 +20.00 +0.33%
  • 18 Karat 5,280.00 +15.00 +0.28%
  • Gold Pound 49,280.00 +160.00 +0.33%
  • Ounce 218,970.00 +710.00 +0.33%

3-year certificate with variable return

CIB Egypt · Certificates · Egyptian Pound · 5.0 · Monday 24 August 2026 - 04:28 PM

A variable-rate certificate currently offering 20.25% with daily payouts and 20.50% with monthly payouts, with a low minimum investment of EGP 1,000 and financing of up to 95% of the certificate value.

Current yield · variable
20.25% – 20.5%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Daily 20.25% · Monthly 20.5%

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

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
Daily 20.25% · Monthly 20.5%
Rate tiers
  1. Any amount Daily
    20.25%
  2. Any amount Compounded monthly
    20.5%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

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
1802.5% السنة الأولى (بعد ٦ شهور)
3652%السنة الثانية
7301%السنة الثالثة

Do the maths

3-year certificate with variable return

Compute the total return and profit on a savings certificate, by payout.

Enter values to see the result.

Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 5.0

5.0 Banky rating

Pros

  • Financing against the certificate: Customers can obtain credit facilities of up to 95% of the certificate value.

Cons

  • Early redemption reduces the return: The applicable return is reduced upon early redemption.

Our take

The certificate is a strong option for customers seeking a high variable return with flexible payout frequency. The monthly option offers the higher rate at 20.50%, making it more suitable for customers seeking regular monthly income, while the daily option may suit those who prefer daily interest payouts. In both cases, customers should consider that the return is variable and may change with future interest-rate movements.

A variable-rate certificate currently offering 20.25% with daily payouts and 20.50% with monthly payouts, with a low minimum investment of EGP 1,000 and financing of up to 95% of the certificate value.

Compare

Alternatives at a glance
3-year certificate with variable return CIB Egypt This one Platinum Variable Interest Certificate National Bank of Egypt saib prime certificate saib bank infinity certificate SUEZ CANAL BANK
Current yield · variable
20.25% – 20.5% 20.5% Current annual yield · variable20% – 20.5% 20% Current annual yield · variable
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 5M
Payout
Daily 20.25% · Monthly 20.5% Monthly Daily 20% · Monthly 20.5% Daily
Compare with 3 similar certificates

Added Monday 18 May 2026 - 12:27 PM Updated Friday 30 October 2026 - 01:26 PM