Three-year savings certificates — Emirates NBD | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Three-year savings certificates

Emirates NBD · Certificates · Egyptian Pound · 3.5 · Thursday 08 October 2026 - 02:09 PM

A 3-year fixed-rate certificate providing a steady 13% monthly payout with an exceptionally low initial entry limit of EGP 1,000.

Annual yield
13%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Monthly payout

Not for you if

  • Grow my savings the most
    • Yield lower than average for this term

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
Fixed
Payout
Compounded monthly
Yield by payout
Monthly

Amount & term

Term
3 yrs
Min deposit
EGP 1,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes

Do the maths

Three-year savings certificates

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

  • Extremely low initial deposit requirement (EGP 1,000) combined with a predictable, steady monthly payout.

Cons

  • The 13.00% interest rate is less competitive compared to market alternatives, alongside a mandatory 6-month lock-in period.

Our take

The Emirates NBD 3-Year Fixed Rate Certificate is a traditional, low-risk, medium-term investment option that delivers a predictable and guaranteed monthly incomeStream unaffected by market fluctuations. Its main highlight is the remarkably accessible minimum entry threshold of EGP 1,000, making it suitable for retail depositors looking to invest smaller amounts. However, its 13.00% fixed return rate is relatively modest compared to higher-yielding market alternatives, and investors must keep their funds committed for at least 6 months before full redemption is allowed.

A 3-year fixed-rate certificate providing a steady 13% monthly payout with an exceptionally low initial entry limit of EGP 1,000.

Compare

Alternatives at a glance
Three-year savings certificates Emirates NBD This one Four-year savings certificates with a fixed monthly return. Emirates NBD Fixed certificate QNB EGYPT Platinum Certificate National Bank of Egypt
Annual yield
13% 13.5% 84.09% Total yield · At maturity16.42% – 17.5% Current yield · variable
Term
3 yrs 4 yrs 7 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 100K EGP 1,000 EGP 1,000
Payout
Monthly Monthly At maturity Monthly 16.42% · Annual 17.5%
Compare with 3 similar certificates

Added Monday 18 May 2026 - 01:50 PM Updated Saturday 10 October 2026 - 10:40 PM