Floating Certificate — Al Ahli Bank of Kuwait – Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Floating Certificate

Al Ahli Bank of Kuwait – Egypt · Certificates · Egyptian Pound · 3.7 · Saturday 10 October 2026 - 11:15 PM

Floating Certificate from ABK-Egypt offers a competitive return, flexible interest payments, and borrowing up to 95% of its value; however, its return is not fixed

Current yield · variable
20% – 20.5%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Daily 20% · Monthly 20.5% · Quarterly 20%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Grow my savings the most
    • Yield higher than average for this term
  • Keep my money reachable
    • Several payout options

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
Multiple
Yield by payout
Daily 20% · Monthly 20.5% · Quarterly 20%
Rate tiers
  1. ≥ EGP 1,000 Year 3Daily
    20%
  2. ≥ EGP 1,000 Year 3Compounded monthly
    20.5%
  3. ≥ EGP 1,000 Year 3Compounded quarterly
    20%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
No
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1802.5%السنة الأولي
3602%السنة الثانية
7201.5%السنة الثالثة

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Floating Certificate

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 3.7

3.7 Banky rating

Pros

  • The return can be received through a savings account or a current account.
  • You can borrow up to 95% of the certificate’s value.

Cons

  • The discount rate reaches 2%.

Our take

Floating Certificate offered by Al Ahli Bank of Kuwait – Egypt is a banking product that provides a competitive return with flexible interest payment options, including daily, monthly, or quarterly payments. It also allows early redemption after six months and borrowing up to 95% of the certificate’s value. However, the return is variable rather than fixed, which may affect the amount of interest earned by the customer.

Floating Certificate from ABK-Egypt offers a competitive return, flexible interest payments, and borrowing up to 95% of its value; however, its return is not fixed

Compare

Alternatives at a glance
Floating Certificate Al Ahli Bank of Kuwait – Egypt This one saib prime certificate saib bank infinity certificate SUEZ CANAL BANK Variable certificate QNB EGYPT
Current yield · variable
20% – 20.5% 20% – 20.5% 20% Current annual yield · variable20% – 20.5%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 5M EGP 1,000
Payout
Daily 20% · Monthly 20.5% · Quarterly 20% Daily 20% · Monthly 20.5% Daily Monthly 20.5% · Quarterly 20%
Compare with 3 similar certificates

Added Monday 29 June 2026 - 03:29 PM Updated Friday 30 October 2026 - 09:57 AM