Eltanmia certificate — The Industrial Development Bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Eltanmia certificate

The Industrial Development Bank · Certificates · US Dollar · 3.5 · Monday 24 August 2026 - 05:25 PM

A USD certificate offering fixed monthly returns for foreign currency stability with strong borrowing capability.

Annual yield
4.75%
Term
3 yrs
Min. deposit
USD 500
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Monthly payout

Not known yet

1 more detail we don't have yet

All of this is measured against products of 25–36 months in USD only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Compounded monthly
Yield by payout
Monthly

Amount & term

Term
3 yrs
Min deposit
USD 500

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
1801.5%—
3651.25%—
7301%—

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 3.5

3.5 Banky rating

Pros

  • Accessible USD minimum entry point ($500) available for retail investors and minors.
  • Generous borrowing facility allowing leverage up to 95% against total value.

Cons

  • Early redemption fee applied if redeemed after the initial 6-month lock-up.

Our take

Designed for foreign currency protection, "Eltanmia USD" certificate pays a fixed 4% annual return disbursed monthly over 3 years. It starts at a USD 500 minimum, features automatic renewal, a 6-month redemption lock period, and permits credit facilities up to 95%.

A USD certificate offering fixed monthly returns for foreign currency stability with strong borrowing capability.

Compare

Alternatives at a glance
Eltanmia certificate The Industrial Development Bank This one althabat certificate BANQUE MISR Raghad Certificate the united bank New Golden USD National Bank of Egypt
Annual yield
4.75% 4.75% – 4.85% Yield by payout4.75% – 4.8% Yield by payout4.75%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
USD 500 USD 100 USD 1,000 USD 500
Payout
Monthly Monthly 4.75% · Quarterly 4.77% · Semi-annual 4.8% · Annual 4.85% Monthly 4.75% · Quarterly 4.8% Monthly
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 01:24 PM Updated Wednesday 26 August 2026 - 10:10 PM