Premium certificate — Housing and Development Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Premium certificate

Housing and Development Bank · Certificates · Egyptian Pound · 3.0 · Monday 29 June 2026 - 04:00 PM

The Premium Certificate offers a fixed return for three years with flexible payout options and a low minimum investment, making it suitable for a wide range of savers.

Yield by payout
14% – 14.25%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Quarterly 14% · Semi-annual 14.25%

Banky Analysis

Suits you if

  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Several payout options

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

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
Quarterly 14% · Semi-annual 14.25%
Rate tiers
  1. ≥ EGP 1,000 Compounded quarterly
    14%
  2. ≥ EGP 1,000 Compounded semi-annually
    14.25%

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
66%—
125%—
244%—

Do the maths

Premium 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 3.0

3.0 Banky rating

Pros

  • The return is fixed throughout the term of the certificate.

Cons

  • The return is low compared to other certificates.

Our take

The Premium Certificate from Housing & Development Bank is a suitable option for customers seeking a secure investment with a fixed return for three years, offering flexible interest payout frequencies and a low minimum investment starting from EGP 1,000.

The Premium Certificate offers a fixed return for three years with flexible payout options and a low minimum investment, making it suitable for a wide range of savers.

Compare

Alternatives at a glance
Premium certificate Housing and Development Bank This one Primo Certificate with Tiered Returns banque du caire Four-year savings certificates with a fixed monthly return. Emirates NBD Variable certificate QNB EGYPT
Yield by payout
14% – 14.25% 16% Average annual yield · variable13.5% Annual yield145.14% Total yield · At maturity
Term
3 yrs 3 yrs 4 yrs 10 yrs
Min. deposit
EGP 1,000 EGP 50K EGP 100K EGP 1,000
Payout
Quarterly 14% · Semi-annual 14.25% Monthly Monthly At maturity
Compare with 3 similar certificates

Added Monday 29 June 2026 - 03:56 PM Updated Thursday 08 October 2026 - 01:33 AM