3 Year Golden Certificate — Attijariwafa bank Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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3 Year Golden Certificate

Attijariwafa bank Egypt · Certificates · Egyptian Pound · 4.0 · Monday 24 August 2026 - 12:27 AM

The 3-Year Golden Savings Certificate offers a competitive fixed return with multiple payout options and a minimum investment of EGP 20,000.

Yield by payout
16.75% – 18%
Term
3 yrs
Min. deposit
EGP 20K
Payout
Monthly 18% · Quarterly 16.75% · Annual 17% · At maturity 51.75% total

Banky Analysis

Suits you if

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

Not for you if

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

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
Multiple
Yield by payout
Monthly 18% · Quarterly 16.75% · Annual 17% · At maturity 51.75% total
Rate tiers
  1. ≥ EGP 20,000 Year 3Compounded monthly
    18%
  2. ≥ EGP 20,000 Year 3Compounded quarterly
    16.75%
  3. ≥ EGP 20,000 Year 3Compounded annually
    17%
  4. ≥ EGP 20,000 Year 3At Maturity
    17.25%

Amount & term

Term
3 yrs
Min deposit
EGP 20,000

Withdrawal & renewal

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

Do the maths

3 Year Golden 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 4.0

4.0 Banky rating

Pros

  • A competitive interest rate is offered, varying according to the payout frequency (monthly, quarterly, annually, or at maturity)
  • • The ability to obtain a loan secured by the certificate for up to 95% of its value.

Cons

  • The minimum certificate tenor is 6 months, with no withdrawals permitted during the first six months

Our take

The 3-Year Golden Savings Certificate is a suitable savings option for customers seeking a competitive fixed return, with flexible payout options on a monthly, quarterly, annual, or maturity basis. With a minimum investment of EGP 20,000 and a six-month minimum holding period, the certificate offers a structured long-term savings solution.

The 3-Year Golden Savings Certificate offers a competitive fixed return with multiple payout options and a minimum investment of EGP 20,000.

Compare

Alternatives at a glance
3 Year Golden Certificate Attijariwafa bank Egypt This one Diamond Certificate Credit Agricole Egypt Prime certificate saib bank Fixed certificate QNB EGYPT
Yield by payout
16.75% – 18% 17% Annual yield17.25% – 17.75% 17.5% – 17.65%
Term
3 yrs 3 yrs 3 yrs 3 yrs
Min. deposit
EGP 20K EGP 10K EGP 1,000 EGP 1,000
Payout
Monthly 18% · Quarterly 16.75% · Annual 17% · At maturity 51.75% total Monthly Daily 17.25% · Monthly 17.75% Monthly 17.5% · Quarterly 17.55% · Semi-annual 17.6% · Annual 17.65%
Compare with 3 similar certificates

Added Saturday 18 July 2026 - 11:48 PM Updated Thursday 22 October 2026 - 04:04 PM