Three-Year Variable-Rate Certificate — Export Development Bank of Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Three-Year Variable-Rate Certificate

Export Development Bank of Egypt · Certificates · Egyptian Pound · 3.5 · Wednesday 07 October 2026 - 10:49 PM

A three-year variable-rate certificate offering returns of up to 19.75%, with flexible payouts and borrowing facilities against the certificate.

Current yield · variable
19.5% – 19.75%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 19.5% · Quarterly 19.75%

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 19.5% · Quarterly 19.75%
Rate tiers
  1. ≥ EGP 1,000 Compounded monthly
    19.5%
  2. ≥ EGP 1,000 Compounded quarterly
    19.75%

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

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

Do the maths

Three-Year Variable-Rate 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 3.5

3.5 Banky rating

Pros

  • High returns with the potential to benefit from future interest-rate increases, along with borrowing of up to 90% of the certificate value.

Cons

  • The return is variable, so the current rates are not guaranteed throughout the certificate term and may decline if interest rates fall.

Our take

EBank’s Three-Year Variable Certificate is an attractive option for customers seeking high returns with exposure to future interest-rate movements, currently offering 19.5% with monthly payouts and 19.75% with quarterly payouts. It also provides good flexibility, with a low starting denomination of EGP 1,000, borrowing facilities of up to 90% of the certificate value, and early redemption after six months subject to the bank’s terms. It is particularly suitable for customers who prefer variable returns and regular income.

A three-year variable-rate certificate offering returns of up to 19.75%, with flexible payouts and borrowing facilities against the certificate.

Compare

Alternatives at a glance
Three-Year Variable-Rate Certificate Export Development Bank of Egypt This one Variable certificate QNB EGYPT 8-year savings certificates with variable interest rates Emirates NBD saib prime certificate saib bank
Current yield · variable
19.5% – 19.75% 19.65% – 19.75% 19.75% Current annual yield · variable20% – 20.5%
Term
3 yrs 5 yrs 8 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 5,000 EGP 1,000
Payout
Monthly 19.5% · Quarterly 19.75% Monthly 19.65% · Quarterly 19.75% Monthly Daily 20% · Monthly 20.5%
Compare with 3 similar certificates

Added Tuesday 30 June 2026 - 02:18 PM Updated Friday 30 October 2026 - 01:35 PM