El Safwa Certificate — Kuwait Finance House 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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Islamic

El Safwa Certificate

Kuwait Finance House Egypt · Certificates · Islamic · Egyptian Pound · 5.0 · Sunday 23 August 2026 - 11:28 AM

Al Safwa Certificate is an attractive savings option offering returns of up to 18.50%, flexible payout options, and financing of up to 95% of the certificate’s value

Expected profit by payout
18% – 18.5%
Term
3 yrs
Min. deposit
EGP 50K
Payout
Monthly 18% · Quarterly 18.25% · Annual 18.5%

Returns

Yield type
Floating
Payout
Multiple
Yield by payout
Monthly 18% · Quarterly 18.25% · Annual 18.5%
Rate tiers
  1. ≥ EGP 50,000 Compounded monthly
    18%
  2. ≥ EGP 50,000 Compounded quarterly
    18.25%
  3. ≥ EGP 50,000 Compounded annually
    18.5%

Amount & term

Term
3 yrs
Min deposit
EGP 50,000

Withdrawal & renewal

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

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El Safwa Certificate

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Our take 5.0

5.0 Banky rating

Pros

  • Possibility of obtaining financing of up to 95% of the certificate’s value.

Cons

  • Minimum issuance amount: EGP 50,000.
  • The certificate cannot be redeemed until 6 months have passed from the issuance date. An early redemption penalty will apply.

Our take

Al Safwa Certificate is considered an attractive savings product, offering a competitive return of up to 18.50%, with flexible return payment options and the possibility of obtaining financing of up to 95% of the certificate’s value. It also allows customers to benefit from the certificate as collateral for financing without having to redeem it. However, customers should consider the 3-year tenor, the 6-month minimum redemption period, and the applicable early redemption penalty, making it more suitable for customers with surplus liquidity who are looking for a medium-term investment.

Al Safwa Certificate is an attractive savings option offering returns of up to 18.50%, flexible payout options, and financing of up to 95% of the certificate’s value

Compare

Alternatives at a glance
El Safwa Certificate Kuwait Finance House Egypt This one 3 Years Al Ghina Suk Abu Dhabi Islamic Bank Egypt
Expected profit by payout
18% – 18.5% 17.5% – 19%
Term
3 yrs 3 yrs
Min. deposit
EGP 50K EGP 2.5M
Payout
Monthly 18% · Quarterly 18.25% · Annual 18.5% Monthly 17.5% · Quarterly 17.75% · Annual 19%
Compare with 1 similar certificates

Added Monday 18 May 2026 - 02:17 PM Updated Saturday 10 October 2026 - 10:52 PM