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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Three-year savings certificates Emirates NBD - Remove Four-year savings certificates with a fixed monthly return. Emirates NBD
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Fixed certificate QNB EGYPT
No product wins everything — the right one depends on your need.
Best for…
- Highest yield Four-year savings certificates with a fixed monthly return. 13.5% vs 13% at Three-year savings certificates
- Starting small Three-year savings certificates & Fixed certificate EGP 1,000 vs EGP 100,000 at Four-year savings certificates with a fixed monthly return.
On your amount
Biggest differences
- Min deposit ×100
All specifications
| Specs | Three-year savings certificates Emirates NBD | Four-year savings certificates with a fixed monthly return. Emirates NBD | Fixed certificate QNB EGYPT |
|---|---|---|---|
| Yield type | Fixed | Fixed | Fixed |
| Payout | Compounded monthly | Compounded monthly | At Maturity |
| Yield at the chosen payout | 13% | 13.5% | No monthly payout |
| Yield by payout | Monthly | Monthly | At maturity |
| Term | 3 yrs | 4 yrs | 7 yrs |
| Min deposit | EGP 1,000 Best | EGP 100,000 | EGP 1,000 Best |
| Early withdrawal | Yes | Yes | Yes |
| Auto-renew | Yes | Yes | Yes |
| Renewal term | Flexible | Flexible | Flexible |
| Available online | Yes | Yes | Yes |
| Branch visit required | Yes | Yes | Yes |
| National ID required | Yes | Yes | Yes |