New Golden USD
The new Golden Certificate from the National Bank of Egypt is a savings option designed for foreign currencies (US Dollar and Euro).
- Annual yield
- 4.75%
- Term
- 3 yrs
- Min. deposit
- USD 500
- Payout
- Monthly
Banky Analysis
Suits you if
- I need monthly income
- Monthly payout
- 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
- Monthly payout
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
- Compounded monthly
- Yield by payout
- Monthly
- ≥ USD 5004.75%
Amount & term
- Term
- 3 yrs
- Min deposit
- USD 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
- It offers you the opportunity to save in hard currency (US Dollars or Euros) while earning a fixed return in the same currency as the certificate, thereby protecting you against the risk of local currency depreciation.
- Flexible term selection: The certificate is available with various terms to suit your future plans: 3 years, 5 years, or 7 years.
- Low minimum purchase requirement: Purchases of the certificate start at 500 USD or EUR (and multiples thereof)—a reasonable minimum compared to other dollar-denominated certificates that require substantial amounts to begin investing.
- Credit facilities: You can borrow against the certificate from any Al Ahli Bank branch, in accordance with applicable regulations.
- Stable Return: The return is fixed for the duration of the certificate and is calculated starting from the business day following the date of purchase.
Cons
- The certificate cannot be redeemed prior to the expiration of six months from the date of purchase; in the event of early redemption before the term ends, a redemption schedule applies that deducts a portion of the accrued profits.
- The yields on the dollar-denominated "Golden Certificate" range from 4.75% (for 3 years) to 4.85% (for 5 years) and 4.90% (for 7 years). This yield is considered low when compared to other dollar certificates offered by the same bank.
Our take
If you have dollar savings and wish to keep them in a secure place without prioritizing high returns—or if you have a modest dollar amount (around $500) to invest—the "Gold Certificate" is a viable and guaranteed option. However, if you hold a larger dollar amount and are seeking the highest possible return in foreign currency, it is advisable to inquire at the bank about other dollar-denominated certificates, as they offer significantly higher yields. That said, the new foreign-currency Gold Certificate from the National Bank of Egypt remains a suitable savings and investment choice for customers looking to deploy their foreign currency savings with a fixed, guaranteed return.
The new Golden Certificate from the National Bank of Egypt is a savings option designed for foreign currencies (US Dollar and Euro).
Compare
| New Golden USD National Bank of Egypt This one | Eltanmia certificate The Industrial Development Bank | althabat certificate BANQUE MISR | Raghad Certificate the united bank |
|---|---|---|---|
| Annual yield | |||
| 4.75% | 4.75% | 4.75% – 4.85% Yield by payout | 4.75% – 4.8% Yield by payout |
| Term | |||
| 3 yrs | 3 yrs | 3 yrs | 3 yrs |
| Min. deposit | |||
| USD 500 | USD 500 | USD 100 | USD 1,000 |
| Payout | |||
| Monthly | Monthly | Monthly 4.75% · Quarterly 4.77% · Semi-annual 4.8% · Annual 4.85% | Monthly 4.75% · Quarterly 4.8% |
Added Monday 20 July 2026 - 02:10 PM Updated Saturday 10 October 2026 - 12:18 PM