Star Certificate
ADCB Egypt’s Star Certificate offers a 20.5% variable monthly return with credit facilities of up to 80% of its value.
- Current annual yield · variable
- 20.5%
- Term
- 3 yrs
- Min. deposit
- EGP 5,000
- 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
- Keep my money reachable
- Monthly payout
Not for you if
- I want a predictable return
- The return is variable
Not known yet
1 more detail we don't have yet
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
- Compounded monthly
- Yield by payout
- Monthly
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 5,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal term
- 3 yrs
- Available online
- No
- Branch visit required
- Yes
- National ID required
- Yes
| From day | Penalty | Description |
|---|---|---|
| 180 | 11.5% | بعد 6 أشهر |
| 360 | 10.5% | خلال السنة الثانية |
| 720 | 9.5% | خلال السنة الثالثة |
Do the maths
Our take
Pros
- The option to obtain a credit facility of up to 80% of the certificate's value.
Cons
- The return is variable and may decline if interest rates fall, making the income less predictable over the three-year term.
Our take
ADCB Egypt’s Star Certificate is a suitable savings option for customers looking to benefit from interest rate movements through a variable return structure. The certificate provides a monthly payout, ensuring regular cash flow, while its relatively low minimum investment of EGP 5,000 makes it accessible to a broad range of savers. In addition, customers can obtain credit facilities of up to 80% of the certificate value, offering added financial flexibility.
ADCB Egypt’s Star Certificate offers a 20.5% variable monthly return with credit facilities of up to 80% of its value.
Compare
| Star Certificate Abu Dhabi Commercial Bank – Egypt 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 annual yield · variable | |||
| 20.5% | 20.5% | 20.5% | 20.25% – 20.5% Current yield · variable |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| EGP 5,000 | EGP 1,000 | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Monthly | Monthly | Monthly | Daily 20.25% · Monthly 20.5% |
Added Tuesday 30 June 2026 - 03:11 PM Updated Friday 30 October 2026 - 01:38 PM