althabat certificate — BANQUE MISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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althabat certificate

BANQUE MISR · Certificates · US Dollar · 4.5 · Tuesday 14 July 2026 - 10:19 AM

A 3-year US dollar certificate from Banque Misr offering a fixed return of up to 4.85% annually with a minimum investment of $100.

Yield by payout
4.75% – 4.85%
Term
3 yrs
Min. deposit
USD 100
Payout
Monthly 4.75% · Quarterly 4.77% · Semi-annual 4.8% · Annual 4.85%

Banky Analysis

Suits you if

  • I need monthly income
    • Several payout options
  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed return for the whole term
  • Keep my money reachable
    • Several payout options

All of this is measured against products of 25–36 months in USD only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Yield type
Fixed
Payout
Multiple
Yield by payout
Monthly 4.75% · Quarterly 4.77% · Semi-annual 4.8% · Annual 4.85%
Rate tiers
  1. ≥ USD 100 Compounded monthly
    4.75%
  2. ≥ USD 100 Compounded quarterly
    4.77%
  3. ≥ USD 100 Compounded semi-annually
    4.8%
  4. ≥ USD 100 Compounded annually
    4.85%

Amount & term

Term
3 yrs
Min deposit
USD 100

Withdrawal & renewal

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

Do the maths

althabat 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 4.5

4.5 Banky rating

Pros

  • Fixed rate of return throughout the certificate's term

Cons

  • The value of the certificate, or any part thereof, cannot be redeemed until six months have elapsed.

Our take

Banque Misr's Stability Dollar Certificate is a suitable option for customers seeking a stable return on their US dollar savings. The certificate offers fixed returns throughout its tenure, flexible payout frequencies, and the ability to partially or fully redeem the certificate after six months.

A 3-year US dollar certificate from Banque Misr offering a fixed return of up to 4.85% annually with a minimum investment of $100.

Compare

Alternatives at a glance
althabat certificate BANQUE MISR This one Eltanmia certificate The Industrial Development Bank Raghad Certificate the united bank New Golden USD National Bank of Egypt
Yield by payout
4.75% – 4.85% 4.75% Annual yield4.75% – 4.8% 4.75% Annual yield
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
USD 100 USD 500 USD 1,000 USD 500
Payout
Monthly 4.75% · Quarterly 4.77% · Semi-annual 4.8% · Annual 4.85% Monthly Monthly 4.75% · Quarterly 4.8% Monthly
Compare with 3 similar certificates

Added Tuesday 14 July 2026 - 10:14 AM Updated Sunday 11 October 2026 - 09:08 AM