Raghad Certificate — the united bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Raghad Certificate

the united bank · Certificates · US Dollar · 4.0 · Tuesday 14 July 2026 - 10:29 AM

An Islamic savings product offering up to 3% return designed for compliant family savings.

Yield by payout
4.75% – 4.8%
Term
3 yrs
Min. deposit
USD 1,000
Payout
Monthly 4.75% · Quarterly 4.8%

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 4.8%
Rate tiers
  1. Any amount Compounded monthly
    4.75%
  2. Any amount Compounded quarterly
    4.8%

Amount & term

Term
3 yrs
Min deposit
USD 1,000

Withdrawal & renewal

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

Do the maths

Raghad Certificate

Compute the total return and profit on a savings certificate, by payout.

Enter values to see the result.

Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • Fully Sharia-compliant and convenient for structured family savings.

Our take

Raghad's certificate in US dollars is a good option for customers who want to grow their savings in foreign currency, offering a fixed return of 4.75% paid monthly and 4.8% paid quarterly for 3 years, with a minimum purchase starting from $1,000.

An Islamic savings product offering up to 3% return designed for compliant family savings.

Compare

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

Added Tuesday 14 July 2026 - 10:28 AM Updated Thursday 08 October 2026 - 04:09 PM