5-year certificate — Al Ahli Bank of Kuwait – Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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5-year certificate

Al Ahli Bank of Kuwait – Egypt · Certificates · Egyptian Pound · 3.0 · Monday 12 October 2026 - 04:11 PM

A 5-year certificate offering an annual interest rate of 10.50% payable daily, 13.00% payable monthly, or 10.50% payable at maturity

Yield by payout
10.5% – 13%
Term
5 yrs
Min. deposit
EGP 1,000
Payout
Daily 10.5% · Monthly 13% · At maturity 52.5% total

Banky Analysis

Suits you if

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

Not for you if

  • Grow my savings the most
    • Yield lower than average for this term
  • Keep my money reachable
    • Longer lock-in

All of this is measured against products of 37–60 months in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Multiple
Yield by payout
Daily 10.5% · Monthly 13% · At maturity 52.5% total
Rate tiers
  1. ≥ EGP 1,000 Year 5Daily
    10.5%
  2. ≥ EGP 1,000 Year 5Compounded monthly
    13%
  3. ≥ EGP 1,000 Year 5At Maturity
    10.5%

Amount & term

Term
5 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
No
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1807%السنة الأولى
3606%السنة الثانية
7205%السنة الثالثة
10804%السنة الرابعة
14403%السنة الخامسة

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5-year certificate

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Our take 3.0

3.0 Banky rating

Pros

  • Borrowing facility of up to 95% of the certificate's value.
  • Enjoy a higher monthly return and receive your earnings sooner and more regularly instead of waiting until maturity.

Cons

  • A redemption penalty of up to 7%

Our take

The certificate is issued for a 5-year term, starting from EGP 1,000 and multiples thereof, with the option to receive interest daily, monthly, or at maturity Up To 13% . Interest is automatically credited to your current or savings account, with a borrowing facility of up to 95% of the certificate’s value

A 5-year certificate offering an annual interest rate of 10.50% payable daily, 13.00% payable monthly, or 10.50% payable at maturity

Compare

Alternatives at a glance
5-year certificate Al Ahli Bank of Kuwait – Egypt This one Fixed certificate QNB EGYPT SAIB Crystal 5-Year Certificate saib bank Platinum Certificate National Bank of Egypt
Yield by payout
10.5% – 13% 10.5% Annual yield11% Annual yield16.42% – 17.5% Current yield · variable
Term
5 yrs 7 yrs 5 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 5,000 EGP 1,000
Payout
Daily 10.5% · Monthly 13% · At maturity 52.5% total Monthly Monthly Monthly 16.42% · Annual 17.5%
Compare with 3 similar certificates

Added Monday 18 May 2026 - 01:32 PM Updated Friday 23 October 2026 - 01:55 PM