Certificates

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.

Our take

The Infinity Certificate from Suez Canal Bank is designed for customers with substantial savings, requiring a high minimum investment of EGP 5 million. It offers a variable return paid daily based on the CBE’s announced deposit rate, along with no issuance fees and access to financing and credit cards against the certificate, subject to the bank’s credit policy.

A high-value savings certificate offering a daily variable return linked to the CBE deposit rate

Our take

The Primo Plus Certificate from Banque du Caire is a suitable option for customers seeking flexibility in interest payout frequency, whether daily or monthly, with a minimum investment starting from EGP 100000for the monthly option. It also offers loan facilities against the certificate and partial or full redemption after six months.

The Primo Plus Certificate offers flexible daily payouts with a minimum investment starting from EGP 1,00000, making it ideal for savers seeking regular income and liquidity.

Our take

Banque Misr's "Youmati" Certificate is a suitable savings product for customers seeking daily income while benefiting from a variable return linked to market interest rates. The certificate offers flexibility through partial or full redemption after six months and allows customers to obtain loans against its value, making it an attractive option for those looking for both regular returns and financing advantages.

Banque Misr's Youmati Certificate offers a variable daily return currently at 20% for 3 years, with loan and redemption options available after 6 months.

Our take

The 'Triple Variable Document' from the Arab Bank is considered a competitive investment option that provides continuous cash liquidity for individuals, thanks to the benefit of daily interest payout and its direct link to central bank deposit rates. Although the variable nature of the return may involve some fluctuations, the ability to redeem it after 6 months and obtain credit facilities secured by up to 95% makes it a flexible and attractive savings vehicle to keep up with market changes.

Our take

The 3-year daily-interest certificate is suitable for customers seeking a fixed return with daily interest payments, particularly given its low minimum investment of EGP 1,000 and the ability to borrow up to 90% of the certificate’s nominal value. Its availability to minors also expands its potential customer base. However, the six-month redemption restriction and the recalculation of returns upon early redemption reduce liquidity flexibility. Customers should also consider the cost of borrowing, as the interest rate on loans secured by the certificate is at least 2% above the applicable certificate rate. Overall, the certificate is best suited to customers who prefer stable daily income and can commit their funds for three years.

The 3-year daily-interest certificate is suitable for customers seeking a fixed return with daily interest payments, particularly given its low minimum investment of EGP 1,000 and the ability to borrow up to 90% of the certificate’s nominal value. Its availability to minors also expands its potential customer base. However, the six-month redemption restriction and the recalculation of returns upon early redemption reduce liquidity flexibility. Customers should also consider the cost of borrowing

Our take

The Gari Flex Certificate from Suez Canal Bank combines return flexibility with some protection against declining interest rates, offering a variable return of up to 20.25% with a minimum guaranteed return of 17.25%, along with daily payouts. Its low minimum investment of EGP 1,000 and zero issuance fees also make it accessible to a broad range of customers seeking a variable return with a degree of stability.

A variable-rate certificate with daily payouts and a 17.25% minimum return, combining exposure to interest-rate movements with a return floor.

Our take

The Three-Year Platinum Certificate is an excellent choice for investors and individuals seeking a secure, steady, and risk-free periodic income. It is ideal for those with sufficient liquidity to commit funds for a minimum of six months. Offered by the National Bank of Egypt, this fixed-yield certificate features a guaranteed, constant return; the interest rate remains fixed throughout the three-year term, ensuring a secure and regular cash flow unaffected by market fluctuations.

The National Bank of Egypt’s Triple Platinum Fixed-Yield Certificate features a range of exclusive characteristics and benefits.

Our take

The National Bank of Egypt’s Platinum Certificate—featuring a tiered return paid monthly or annually—offers exclusive benefits. It is well-suited for those seeking high liquidity and strong returns in the short term (the first year), or for individuals anticipating a gradual decline in market interest rates over the coming three years. Conversely, for those prioritizing stable and consistent returns throughout the investment period, fixed-rate certificates may be a more suitable choice for long-term financial planning.

The tiered certificate is suitable for those seeking high liquidity and strong returns in the short term.

Our take

The National Bank of Egypt’s Platinum Certificate with a monthly variable return is linked to the Central Bank of Egypt’s deposit rate. This variable-rate certificate is an ideal choice for investors anticipating rising or stable interest rates in the short to medium term, as it allows them to benefit from any official rate hikes. Furthermore, the inclusion of a minimum return (17%) provides a valuable safety net—distinguishing it from conventional variable-rate products—should interest rates decline.

The variable-rate certificate is the ideal choice for an investor who anticipates rising or stable interest rates.

Our take

A good choice for customers seeking stable monthly income and who do not need short-term liquidity, with the added benefit of borrowing against the certificate.

A suitable option for customers seeking a fixed monthly return in EGP, with a moderate minimum deposit and redemption after six months, but it requires a relatively long commitment.

Our take

The certificate is a strong option for customers seeking a high variable return with flexible payout frequency. The monthly option offers the higher rate at 20.50%, making it more suitable for customers seeking regular monthly income, while the daily option may suit those who prefer daily interest payouts. In both cases, customers should consider that the return is variable and may change with future interest-rate movements.

A variable-rate certificate currently offering 20.25% with daily payouts and 20.50% with monthly payouts, with a low minimum investment of EGP 1,000 and financing of up to 95% of the certificate value.