Editor-in-Chief Mohamed Salah
BANKY NOW 3 Nov 2026
Central Bank of Egypt- 🇺🇸 USD Buy 55.28 Sell 55.42 −0.08 −0.15%
- 🇪🇺 EUR Buy 61.80 Sell 61.97 −0.25 −0.40%
- 🇬🇧 GBP Buy 74.13 Sell 74.34 −0.11 −0.15%
- 🇸🇦 SAR Buy 14.73 Sell 14.77 −0.02 −0.16%
- 🇦🇪 AED Buy 15.05 Sell 15.09 −0.02 −0.15%
- 🇰🇼 KWD Buy 179.43 Sell 179.94 −0.22 −0.12%
- 24 Karat 7,030.00 −10.00 −0.14%
- 21 Karat 6,150.00 −10.00 −0.16%
- 18 Karat 5,270.00 −10.00 −0.19%
- Gold Pound 49,200.00 −80.00 −0.16%
- Ounce 218,615.00 −355.00 −0.16%
Certificates
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Premium certificate Housing and Development Bank - Remove
Four-year savings certificates with a fixed monthly return. Emirates NBD - Up to 3 products
No product wins everything — the right one depends on your need.
Best for…
- Starting small Premium certificate EGP 1,000 vs EGP 100,000 at Four-year savings certificates with a fixed monthly return.
Biggest differences
- Min deposit ×100
All specifications
| Specs | Premium certificate Housing and Development Bank | Four-year savings certificates with a fixed monthly return. Emirates NBD |
|---|---|---|
| Yield type | Fixed | Fixed |
| Payout | Multiple | Compounded monthly |
| Yield at the chosen payout | 14.25% | No semi-annual payout |
| Yield by payout | Quarterly 14% · Semi-annual 14.25% | Monthly |
| Term | 3 yrs | 4 yrs |
| Min deposit | EGP 1,000 Best | EGP 100,000 |
| Early withdrawal | Yes | Yes |
| Early-break penalty | 6% → 4% | — |
| Auto-renew | Yes | Yes |
| Renewal term | 3 yrs | Flexible |
| Available online | Yes | Yes |
| Branch visit required | Yes | Yes |
| National ID required | Yes | Yes |