Variable certificate — ARAB INTERNATIONAL BANK | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Variable certificate

ARAB INTERNATIONAL BANK · Certificates · Egyptian Pound · 2.0 · Monday 13 July 2026 - 12:56 PM

A variable EGP certificate featuring a low minimum amount and flexible borrowing options, but exposed to central bank rate cuts.

Current yield · variable
15.5% – 15.75%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
Monthly 15.5% · Quarterly 15.75%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Keep my money reachable
    • Several payout options

Not for you if

  • Grow my savings the most
    • Yield lower than average for this term
  • 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 15.5% · Quarterly 15.75%
Rate tiers
  1. ≥ EGP 1,000 Year 3Compounded monthly
    15.5%
  2. ≥ EGP 1,000 Year 3Compounded quarterly
    15.75%

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

Variable 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 2.0

2.0 Banky rating

Pros

  • High borrowing flexibility, allowing up to 80% credit facilities or credit cards against the certificate.

Cons

  • The yield is variable and linked to CBE corridor rates, making returns subject to decline if interest rates decrease.

Our take

Although the certificate offers useful features such as loan facilities against the certificate, early redemption after six months, and flexible interest payout options, its current return is among the lowest in the Egyptian market. Several competing banks offer certificates with returns of around 20%, making this product less attractive for customers whose primary goal is maximizing investment returns. Therefore, the certificate receives a 2% rating in terms of competitiveness.

A variable EGP certificate featuring a low minimum amount and flexible borrowing options, but exposed to central bank rate cuts.

Compare

Alternatives at a glance
Variable certificate ARAB INTERNATIONAL BANK This one Variable certificate QNB EGYPT Diamond Certificate Credit Agricole Egypt Primo Certificate with Tiered Returns banque du caire
Current yield · variable
15.5% – 15.75% 145.14% Total yield · At maturity17% Annual yield16% Average annual yield · variable
Term
3 yrs 10 yrs 3 yrs 3 yrs
Min. deposit
EGP 1,000 EGP 1,000 EGP 10K EGP 50K
Payout
Monthly 15.5% · Quarterly 15.75% At maturity Monthly Monthly
Compare with 3 similar certificates

Added Monday 13 July 2026 - 12:53 PM Updated Friday 30 October 2026 - 01:37 PM