SAIB Crystal 5-Year Certificate
A suitable option for customers seeking a fixed monthly income for five years with a minimum investment of EGP 5,000, but its return is relatively low.
- Annual yield
- 11%
- Term
- 5 yrs
- Min. deposit
- EGP 5,000
- Payout
- Monthly
Banky Analysis
Suits you if
- I need monthly income
- Monthly payout
- 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 37–60 months in EGP only
Last checked Monday 02 November 2026 - 04:02 PM
Returns
- Yield type
- Fixed
- Payout
- Compounded monthly
- Yield by payout
- Monthly
- ≥ EGP 5,00011%
Amount & term
- Term
- 5 yrs
- Min deposit
- EGP 5,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal term
- 5 yrs
- Available online
- No
- Branch visit required
- Yes
- National ID required
- Yes
Do the maths
Our take
Pros
- A relatively low minimum investment of EGP 5,000, with the convenience of purchasing the certificate through internet banking.
Cons
- The 11% annual return is lower than the returns offered by many competing certificates in the market.
Our take
The 5-year SAIB Crystal Certificate is a suitable option for customers seeking a fixed monthly income from their savings over a five-year period, with a relatively low minimum investment of EGP 5,000. The ability to purchase the certificate through internet banking also adds convenience and flexibility. However, its 11% annual return is relatively low compared with many fixed-rate certificates available in the market.
A suitable option for customers seeking a fixed monthly income for five years with a minimum investment of EGP 5,000, but its return is relatively low.
Compare
| SAIB Crystal 5-Year Certificate saib bank This one | Fixed certificate QNB EGYPT | 5-year certificate Al Ahli Bank of Kuwait – Egypt | Platinum Certificate National Bank of Egypt |
|---|---|---|---|
| Annual yield | |||
| 11% | 11% | 10.5% – 13% Yield by payout | 16.42% – 17.5% Current yield · variable |
| Term | |||
| 5 yrs | 10 yrs | 5 yrs | 3 yrs |
| Min. deposit | |||
| EGP 5,000 | EGP 1,000 | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Monthly | Monthly | Daily 10.5% · Monthly 13% · At maturity 52.5% total | Monthly 16.42% · Annual 17.5% |
Added Monday 18 May 2026 - 12:58 PM Updated Wednesday 07 October 2026 - 09:50 PM