Prime certificate — saib bank | 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%

Prime certificate

saib bank · Certificates · Egyptian Pound · 4.5 · Monday 22 June 2026 - 03:50 PM

A high-yield fixed-rate certificate offering up to 17.75% with monthly payouts, a minimum investment of EGP 1,000, and flexible payout options.

Yield by payout
17.25% – 17.75%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Daily 17.25% · Monthly 17.75%

Banky Analysis

Suits you if

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

Not for you if

  • 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
Daily 17.25% · Monthly 17.75%
Rate tiers
  1. ≥ EGP 1,000 Year 3Daily
    17.25%
  2. ≥ EGP 1,000 Year 3Compounded monthly
    17.75%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
No
Branch visit required
Yes
National ID required
Yes

Do the maths

Prime certificate

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 4.5

4.5 Banky rating

Pros

  • A combination of a high return and flexible payout options, with the ability to choose between daily and monthly interest and borrow against the certificate.

Cons

  • Early redemption is available only after six months and is subject to the bank’s redemption schedule, limiting flexibility for early exit

Our take

The Prime Certificate from saib is a strong option for customers seeking a high fixed return with flexible interest payout options. It offers 17.75% with monthly payouts or 17.25% with daily payouts, with a minimum investment starting at just EGP 1,000. The certificate also allows borrowing against its value and early redemption after six months according to the bank’s redemption schedule, while offering convenient issuance through branches or internet banking. However, early redemption is subject to the bank’s redemption schedule, and its three-year term may not suit customers looking for longer-term savings.

A high-yield fixed-rate certificate offering up to 17.75% with monthly payouts, a minimum investment of EGP 1,000, and flexible payout options.

Compare

Alternatives at a glance
Prime certificate saib bank This one Diamond Certificate Credit Agricole Egypt Fixed certificate QNB EGYPT National Bank of Egypt National Bank of Egypt
Yield by payout
17.25% – 17.75% 17% Annual yield17.5% – 17.65% 17.75% – 17.85%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 10K EGP 1,000 EGP 1,000
Payout
Daily 17.25% · Monthly 17.75% Monthly Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65% Monthly 17.75% · Quarterly 17.85%
Compare with 3 similar certificates

Added Monday 18 May 2026 - 01:14 PM Updated Saturday 10 October 2026 - 07:51 PM