Primo Certificate with Tiered Returns — banque du caire | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Primo Certificate with Tiered Returns

banque du caire · Certificates · Egyptian Pound · 4.0 · Monday 29 June 2026 - 02:38 PM

The Primo Step-Up Certificate offers an attractive 18% return in the first year with regular monthly income, making it a suitable choice for savers looking to benefit from current interest rate levels.

Average annual yield · variable
16%
18% then 16% then 14%
Term
3 yrs
Min. deposit
EGP 50K
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • Keep my money reachable
    • Monthly payout

Not for you if

  • Grow my savings the most
    • Yield lower than average for this term
  • I want a predictable return
    • Yield lower 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
Variable with Floor
Payout
Compounded monthly
Yield by payout
Monthly
Rate tiers
  1. ≥ EGP 50,000 Year 1
    18%
  2. ≥ EGP 50,000 Year 2
    16%
  3. ≥ EGP 50,000 Year 3
    14%

Amount & term

Term
3 yrs
Min deposit
EGP 50,000

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal term
3 yrs
Available online
Yes
Branch visit required
Yes
National ID required
Yes
Early-withdrawal tiers
From dayPenaltyDescription
18010%بعد مرور 6 أشهر
3659%خلال السنة الثانية
10958%خلال السنة الثالثة

Do the maths

Primo Certificate with Tiered Returns

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

  • Loans secured by these certificates may be obtained from any of our bank's branches, in accordance with applicable regulations.

Cons

  • The return decreases annually.

Our take

The Primo Step-Up Certificate is a suitable option for customers seeking a high return in the first year while receiving a regular monthly income. The certificate offers an attractive 18% return during the first year, followed by gradual reductions over the remaining two years. With a minimum investment of EGP 50,000, it is accessible to a broad range of savers, particularly those who expect interest rates to decline in the future and want to lock in a relatively high return at the beginning of their investment period.

The Primo Step-Up Certificate offers an attractive 18% return in the first year with regular monthly income, making it a suitable choice for savers looking to benefit from current interest rate levels.

Compare

Alternatives at a glance
Primo Certificate with Tiered Returns banque du caire This one Four-year savings certificates with a fixed monthly return. Emirates NBD Variable certificate QNB EGYPT Platinum Certificate National Bank of Egypt
Average annual yield · variable
16% 13.5% Annual yield145.14% Total yield · At maturity16.42% – 17.5% Current yield · variable
Term
3 yrs 4 yrs 10 yrs 3 yrs
Min. deposit
EGP 50K EGP 100K EGP 1,000 EGP 1,000
Payout
Monthly Monthly At maturity Monthly 16.42% · Annual 17.5%
Compare with 3 similar certificates

Added Wednesday 20 May 2026 - 12:00 PM Updated Monday 26 October 2026 - 11:09 AM