Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
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Certificates
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3 products side by side
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3-year certificate with variable return bank abc - Remove
Variable certificate QNB EGYPT - Remove
8-year savings certificates with variable interest rates Emirates NBD
No product wins everything — the right one depends on your need.
Best for…
- Starting small 3-year certificate with variable return & Variable certificate EGP 1,000 vs EGP 5,000 at 8-year savings certificates with variable interest rates
On your amount
Biggest differences
- Min deposit ×5
All specifications
| Specs | 3-year certificate with variable return bank abc | Variable certificate QNB EGYPT | 8-year savings certificates with variable interest rates Emirates NBD |
|---|---|---|---|
| Yield type | Floating | Floating | Floating |
| Payout | Multiple | Multiple | Compounded monthly |
| Yield at the chosen payout | 19.75% | 19.75% | No quarterly payout |
| Yield by payout | Monthly 19.5% · Quarterly 19.75% | Monthly 19.65% · Quarterly 19.75% | Monthly |
| Term | 3 yrs | 5 yrs | 8 yrs |
| Min deposit | EGP 1,000 Best | EGP 1,000 Best | EGP 5,000 |
| Early withdrawal | Yes | No | Yes |
| Auto-renew | Yes | Yes | Yes |
| Renewal term | Flexible | Flexible | Flexible |
| Available online | Yes | Yes | Yes |
| Branch visit required | Yes | No | Yes |
| National ID required | Yes | Yes | Yes |