Yowmati Certificate — BANQUE MISR | 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%

Yowmati Certificate

BANQUE MISR · Certificates · Egyptian Pound · 4.5 · Tuesday 30 June 2026 - 01:05 PM

Banque Misr's Youmati Certificate offers a variable daily return currently at 20% for 3 years, with loan and redemption options available after 6 months.

Current annual yield · variable
20%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Daily

Banky Analysis

Suits you if

  • I need monthly income
    • Daily payout
  • Grow my savings the most
    • Yield higher than average for this term
  • Keep my money reachable
    • Daily payout

Not for you if

  • I want a predictable return
    • The return is variable

Not known yet

1 more detail we don't have yet

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
Daily
Yield by payout
Daily

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

Yowmati 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

  • You can borrow against the certificate.

Cons

  • The return is variable and may decline if interest rates fall, making the income less predictable over the three-year term.

Our take

Banque Misr's "Youmati" Certificate is a suitable savings product for customers seeking daily income while benefiting from a variable return linked to market interest rates. The certificate offers flexibility through partial or full redemption after six months and allows customers to obtain loans against its value, making it an attractive option for those looking for both regular returns and financing advantages.

Banque Misr's Youmati Certificate offers a variable daily return currently at 20% for 3 years, with loan and redemption options available after 6 months.

Compare

Alternatives at a glance
Yowmati Certificate BANQUE MISR This one saib prime certificate saib bank infinity certificate SUEZ CANAL BANK Variable certificate QNB EGYPT
Current annual yield · variable
20% 20% – 20.5% Current yield · variable20% 20% – 20.5% Current yield · variable
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 5M EGP 1,000
Payout
Daily Daily 20% · Monthly 20.5% Daily Monthly 20.5% · Quarterly 20%
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 12:58 PM Updated Friday 30 October 2026 - 01:27 PM