Certificate “B”
The 'B' investment certificate is a savings option that differs significantly from the 'A' certificate; it focuses on short terms and regular, periodic returns.
- Yield by payout
- 14% – 15%
- Term
- 1 yr
- Min. deposit
- EGP 500
- Payout
- Monthly 14% · Quarterly 15%
Banky Analysis
There are too few comparable products to rank fairly
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
- Shorter lock-in
Not for you if
- Grow my savings the most
What's good
- Shorter lock-in
All of this is measured against products of up to 12 months in EGP only
Last checked Monday 02 November 2026 - 04:02 PM
Returns
- Yield type
- Fixed
- Payout
- Multiple
- Yield by payout
- Monthly 14% · Quarterly 15%
- ≥ EGP 50014%
- ≥ EGP 50015%
Amount & term
- Term
- 1 yr
- Min deposit
- EGP 500
Withdrawal & renewal
- Early withdrawal
- No
- Auto-renew
- Yes
- Renewal term
- Flexible
- Available online
- Yes
- Branch visit required
- Yes
- National ID required
- Yes
Do the maths
Our take
Pros
- All Certificates are nominal. They may not be traded, endorsed, transferred, discounted, pledged to third parties or disposed of in any form with a view to transferring ownership.
- Certificates can be issued by way of a gift or donation according to conditions to be signed in this respect.
- Certificates and the relevant interests are exempted from all kinds of taxes and stamp duties.
- The term of the Certificate is one year starting from the next business day following the purchase date. The Certificate is automatically renewed on maturity date unless it is redeemed or except as otherwise instructed.
- Each Certificate yields a periodic monthly interest which is fixed throughout its term, as per the rate prevailing on the certificate issuance date. Interest is calculated as of the next business day following the purchase date and is paid on its due date.
- Interest can be cashed via ATMs spread all over the country around the clock, 7 days a week.
Cons
- The fixed annual return rate for the one-year certificate is 14%. Although this rate is superior to that of Certificate (A) in terms of payout frequency, it is considered low when compared to current inflation rates and other savings instruments available in the Egyptian market.
Our take
The "Type B" investment certificate is a highly suitable option in one specific scenario: if you are certain you will need the principal amount exactly one year from now and wish to utilize it to generate a temporary monthly return without the risk of locking it up for three years. However, if you do not mind committing your funds for a three-year period, opting for the bank's "Platinum" certificates would provide a stronger monthly return—one better equipped to withstand inflation and rising costs of living.
The 'B' investment certificate is a savings option that differs significantly from the 'A' certificate; it focuses on short terms and regular, periodic returns.
Compare
| Certificate “B” National Bank of Egypt This one | Primo Certificate with Tiered Returns banque du caire | Four-year savings certificates with a fixed monthly return. Emirates NBD | Variable certificate QNB EGYPT |
|---|---|---|---|
| Yield by payout | |||
| 14% – 15% | 16% Average annual yield · variable | 13.5% Annual yield | 145.14% Total yield · At maturity |
| Term | |||
| 1 yr | 3 yrs | 4 yrs | 10 yrs |
| Min. deposit | |||
| EGP 500 | EGP 50K | EGP 100K | EGP 1,000 |
| Payout | |||
| Monthly 14% · Quarterly 15% | Monthly | Monthly | At maturity |
Added Monday 20 July 2026 - 01:59 PM Updated Friday 09 October 2026 - 02:27 PM