Al-Khair Savings Certificate — Agricultural Bank of Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Al-Khair Savings Certificate

Agricultural Bank of Egypt · Certificates · Egyptian Pound · 3.5 · Sunday 26 July 2026 - 12:48 PM

Certificates from the Agricultural Bank of Egypt are an excellent and secure option for those seeking financial stability and a regular monthly income.

Yield by payout
17.75% – 18%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 18% · Annual 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 higher 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
Monthly 18% · Annual 17.75%
Rate tiers
  1. ≥ EGP 1,000 Compounded monthly
    18%
  2. ≥ EGP 1,000 Compounded annually
    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
Early-withdrawal tiers
From dayPenaltyDescription
18070%نسبة الغرامة تتراوح من 60%- 70% من أرباح الشهادة التي تم الحصول عليها سابقا

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Al-Khair Savings 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 3.5

3.5 Banky rating

Pros

  • Certificate denominations start at 1,000 EGP and its multiples.
  • The calculation of the return begins on the business day following the purchase.
  • Option to borrow against the certificate, subject to terms and conditions.
  • Opening a savings or current account, based on the customer's preference, for the transfer of periodic returns.

Cons

  • The certificate cannot be redeemed or cashed in until six months have passed since the date of issuance.

Our take

Certificates offered by the Agricultural Bank of Egypt are an excellent, secure option for those seeking financial stability and a steady monthly income without risk—particularly for the elderly or individuals wishing to preserve their capital. For personal savings purposes, it is advisable to select the specific category and term that offer the highest interest rate compared to other state-owned banks (such as the National Bank of Egypt and Banque Misr).

Certificates from the Agricultural Bank of Egypt are an excellent and secure option for those seeking financial stability and a regular monthly income.

Compare

Alternatives at a glance
Al-Khair Savings Certificate Agricultural Bank of Egypt This one National Bank of Egypt National Bank of Egypt Classic Certificate SUEZ CANAL BANK Diamond Plus Certificate Housing and Development Bank
Yield by payout
17.75% – 18% 17.75% – 17.85% 17.75% – 17.85% 17.75% – 18%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 1,000 EGP 250K
Payout
Monthly 18% · Annual 17.75% Monthly 17.75% · Quarterly 17.85% Monthly 17.75% · Quarterly 17.85% Monthly 17.75% · Annual 18%
Compare with 3 similar certificates

Added Monday 29 June 2026 - 11:04 PM Updated Saturday 10 October 2026 - 01:33 PM