Eltanmia certificate — The Industrial Development 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%

Eltanmia certificate

The Industrial Development Bank · Certificates · Egyptian Pound · 4.0 · Monday 24 August 2026 - 05:14 PM

A flexible variable-rate EGP certificate with a low entry barrier and high borrowing limit, subject to Central Bank rate changes.

Current yield · variable
20.5% – 20.75%
Term
3 yrs
Min. deposit
EGP 100
Payout
Monthly 20.5% · Quarterly 20.75%

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
Monthly 20.5% · Quarterly 20.75%
Rate tiers
  1. Any amount Compounded monthly
    20.5%
  2. Any amount Compounded quarterly
    20.75%

Amount & term

Term
3 yrs
Min deposit
EGP 100

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1802%خلال الستة أشهر المكملة للسنة الاولى
3651.75%خلال السنة الثانية
7301%خلال السنة الثالثة

Do the maths

Eltanmia 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 4.0

4.0 Banky rating

Pros

  • Extremely low minimum threshold (EGP 100) making it broadly accessible.
  • High borrowing limit up to 95% against the certificate balance.

Cons

  • Early redemption penalties apply, decreasing incrementally across the 3-year tenure.

Our take

This 3-year certificate offers a 20.5% monthly yield (matching the CBE deposit rate + 0.5%) or a 20.75% quarterly yield (CBE rate + 0.75%). Available for residents, foreigners, and minors starting at EGP 100, returns accrue from the next business day with automatic renewal, alongside a 6-month redemption lock period.

A flexible variable-rate EGP certificate with a low entry barrier and high borrowing limit, subject to Central Bank rate changes.

Compare

Alternatives at a glance
Eltanmia certificate The Industrial Development Bank This one Platinum Variable Interest Certificate National Bank of Egypt Gary Plus certificate SUEZ CANAL BANK 3-year certificate with variable return CIB Egypt
Current yield · variable
20.5% – 20.75% 20.5% Current annual yield · variable20.5% Current annual yield · variable20.25% – 20.5%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 100 EGP 1,000 EGP 1,000 EGP 1,000
Payout
Monthly 20.5% · Quarterly 20.75% Monthly Monthly Daily 20.25% · Monthly 20.5%
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 01:08 PM Updated Friday 30 October 2026 - 01:39 PM