almutamayiza certificate — Export Development Bank of 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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almutamayiza certificate

Export Development Bank of Egypt · Certificates · Egyptian Pound · 4.0 · Wednesday 07 October 2026 - 10:39 PM

A flexible certificate offering returns of up to 17.5% annually, with a low EGP 1,000 minimum and borrowing facilities against the certificate.

Yield by payout
16.5% – 17.5%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 16.5% · Quarterly 17% · Semi-annual 17.25% · Annual 17.5%

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 16.5% · Quarterly 17% · Semi-annual 17.25% · Annual 17.5%
Rate tiers
  1. ≥ EGP 1,000 Compounded monthly
    16.5%
  2. ≥ EGP 1,000 Compounded quarterly
    17%
  3. ≥ EGP 1,000 Compounded semi-annually
    17.25%
  4. ≥ EGP 1,000 Compounded annually
    17.5%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
No
Auto-renew
Yes
Renewal term
3 yrs
Available online
Yes
Branch visit required
No
National ID required
Yes

Do the maths

almutamayiza 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 4.0

4.0 Banky rating

Pros

  • Multiple payout frequencies, with returns reaching 17.5% annually, allowing customers to choose the option that best suits their financial needs.

Cons

  • Early redemption is only available after six months

Our take

EBank’s Al Momtaza Certificate offers strong flexibility through four interest payout options: monthly, quarterly, semi-annually, and annually, with a higher return available for customers choosing less frequent payouts. Its low minimum investment of EGP 1,000, combined with the ability to borrow up to 90% of the certificate value, makes it accessible to a broad range of savers. The 17.5% annual payout option is particularly attractive for customers who do not require regular income and prefer the highest available return on the certificate.

A flexible certificate offering returns of up to 17.5% annually, with a low EGP 1,000 minimum and borrowing facilities against the certificate.

Compare

Alternatives at a glance
almutamayiza certificate Export Development Bank of Egypt This one Diamond Certificate Credit Agricole Egypt Prime certificate saib bank Fixed certificate QNB EGYPT
Yield by payout
16.5% – 17.5% 17% Annual yield17.25% – 17.75% 17.5% – 17.65%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 10K EGP 1,000 EGP 1,000
Payout
Monthly 16.5% · Quarterly 17% · Semi-annual 17.25% · Annual 17.5% Monthly Daily 17.25% · Monthly 17.75% Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65%
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 02:13 PM Updated Wednesday 07 October 2026 - 10:40 PM