Floating Certificates of Deposit (CDs) EGP - Tharwa Plus — bank nxt | 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 Certificates of Deposit (CDs) EGP - Tharwa Plus

bank nxt · Certificates · Egyptian Pound · 5.0 · Sunday 23 August 2026 - 11:38 PM

The 3-Year Variable-Rate EGP Savings Certificates offer returns of up to 19% quarterly, with financing available for up to 95% of the certificate’s value

Current yield · variable
19.75% – 20%
Term
3 yrs
Min. deposit
EGP 10K
Payout
Daily 19.75% · Monthly 19.85% · 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 19.75% · Monthly 19.85% · Quarterly 20%
Rate tiers
  1. ≥ EGP 10,000 Year 3Daily
    19.75%
  2. ≥ EGP 10,000 Year 3Compounded monthly
    19.85%
  3. ≥ EGP 10,000 Year 3Compounded quarterly
    20%

Amount & term

Term
3 yrs
Min deposit
EGP 10,000

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
1804%من 7 أشهر إلى 12 شهر
3603%من السنة الأولى إلى السنة الثانية
7202%من السنة الثانية إلى السنة الثالثة

Do the maths

Floating Certificates of Deposit (CDs) EGP - Tharwa Plus

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 5.0

5.0 Banky rating

Pros

  • The minimum certificate amount is EGP 10,000, in multiples of EGP 1,000.
  • Financing can be obtained against the certificate for up to 95% of its nominal value

Cons

  • Early redemption is available after 6 months from the issuance date and before the maturity date, subject to the applicable redemption terms

Our take

The 3-Year Variable-Rate EGP Savings Certificates are a suitable option for individuals seeking competitive periodic returns, with the return reaching up to 19% on a quarterly basis, while offering daily, monthly, and quarterly payout options. The certificate also provides financial flexibility through financing of up to 95% of its nominal value.

The 3-Year Variable-Rate EGP Savings Certificates offer returns of up to 19% quarterly, with financing available for up to 95% of the certificate’s value

Compare

Alternatives at a glance
Floating Certificates of Deposit (CDs) EGP - Tharwa Plus bank nxt This one 8-year savings certificates with variable interest rates Emirates NBD Variable certificate QNB EGYPT saib prime certificate saib bank
Current yield · variable
19.75% – 20% 19.75% Current annual yield · variable19.65% – 19.75% 20% – 20.5%
Term
3 yrs 8 yrs 5 yrs 3 yrs
Min. deposit
EGP 10K EGP 5,000 EGP 1,000 EGP 1,000
Payout
Daily 19.75% · Monthly 19.85% · Quarterly 20% Monthly Monthly 19.65% · Quarterly 19.75% Daily 20% · Monthly 20.5%
Compare with 3 similar certificates

Added Monday 29 June 2026 - 10:33 PM Updated Friday 30 October 2026 - 09:38 AM