alqima certificate — BANQUE MISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 5 Nov 2026
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alqima certificate

BANQUE MISR · Certificates · Egyptian Pound · 4.5 · Tuesday 30 June 2026 - 11:44 AM

Banque Misr's El Qemma Certificate offers a fixed return of up to 17.85% for 3 years, with loan and early redemption options available after 6 months.

Yield by payout
18.75% – 18.85%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 18.75% · Quarterly 18.85%

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
Monthly 18.75% · Quarterly 18.85%
Rate tiers
  1. ≥ EGP 1,000 Compounded monthly
    18.75%
  2. ≥ EGP 1,000 Compounded quarterly
    18.85%

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

alqima 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 4.5

4.5 Banky rating

Pros

  • You can borrow against the certificate.

Cons

  • The value of the certificate, or any part thereof, cannot be redeemed until six months have elapsed.

Our take

Banque Misr's El Qemma Certificate is a suitable savings option for customers seeking a stable and predictable return on their investments. The certificate offers a fixed yield throughout its three-year term, protecting savers from interest rate fluctuations. It also provides added flexibility through loan facilities against the certificate and the option of partial or full redemption after six months, subject to the bank's terms and conditions.

Banque Misr's El Qemma Certificate offers a fixed return of up to 17.85% for 3 years, with loan and early redemption options available after 6 months.

Compare

Alternatives at a glance
alqima certificate BANQUE MISR This one National Bank of Egypt National Bank of Egypt Diamond Plus Certificate Housing and Development Bank Fixed certificate QNB EGYPT
Yield by payout
18.75% – 18.85% 18.75% – 18.85% 18.75% – 19% 19.1% Current annual yield · variable
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 250K EGP 1,000
Payout
Monthly 18.75% · Quarterly 18.85% Monthly 18.75% · Quarterly 18.85% Monthly 18.75% · Annual 19% Monthly
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 11:40 AM Updated Friday 06 November 2026 - 12:39 PM