Certificates

Eltanmia certificate

idb 4.0

Current yield · variable 20.5% – 20.75%

Term 3 yrs

Min. deposit EGP 100

Payout Monthly 20.5% · Quarterly 20.75%

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Updated Friday 30 October 2026 - 01:39 PM

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Our take 4.0

4.0 Banky rating

Pros

Extremely low minimum threshold (EGP 100) making it broadly accessible.
High borrowing limit up to 95% against the certificate balance.

Cons

Early redemption penalties apply, decreasing incrementally across the 3-year tenure.

Our take

This 3-year certificate offers a 20.5% monthly yield (matching the CBE deposit rate + 0.5%) or a 20.75% quarterly yield (CBE rate + 0.75%). Available for residents, foreigners, and minors starting at EGP 100, returns accrue from the next business day with automatic renewal, alongside a 6-month redemption lock period.

A flexible variable-rate EGP certificate with a low entry barrier and high borrowing limit, subject to Central Bank rate changes.

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Eltanmia certificate

idb 3.7

Current yield · variable 20% – 20.25%

Term 5 yrs

Min. deposit EGP 500

Payout Monthly 20% · Quarterly 20.25%

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Updated Friday 30 October 2026 - 01:40 PM

Banky Analysis

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Our take 3.7

3.7 Banky rating

Pros

Accessible minimum purchase amount (EGP 500) with a generous 95% loan-to-value ratio.

Cons

Long-term yield risk if Central Bank monetary policy shifts toward rate reductions.

Our take

Offering a 5-year tenure, this certificate yields 20% monthly or 20.25% quarterly, starting from EGP 500. Interest calculates from the next working day, featuring a mandatory 6-month redemption hold and tiered early termination penalties ranging from 2% down to 1% in later years.

A 5-year variable certificate offering high long-term yields and strong leverage, limited by a long lock-in horizon.

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3-year variable-rate certificates of deposit

nbk 4.5

Current yield · variable 20.5% – 21%

Term 3 yrs

Min. deposit EGP 1,000

Payout Monthly 20.5% · Quarterly 21%

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Updated Friday 30 October 2026 - 06:39 PM

Banky Analysis

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Our take 4.5

4.5 Banky rating

Pros

Variable return: Allows customers to benefit from changes in interest rates.
Redemption flexibility: Full or partial redemption is available after 6 months.
Access to financing: Customers can apply for loans or credit cards of up to 90% of the certificate’s value.

Cons

Uncertain return: The return may decrease if the CBE deposit corridor rate declines

Our take

Variable-rate certificates are suitable for customers who want to benefit from changes in interest rates while maintaining a degree of flexibility, particularly with the option of full or partial redemption after six months and multiple interest payment frequencies. The 3-year certificates offer returns linked to the CBE deposit corridor rate, with an additional 0.50% for monthly payments and 1.00% for quarterly payments. The 5-year certificates are also linked to the deposit corridor rate, with different deductions depending on the payment frequency. However, the variable-rate structure means that returns may decline if interest rates fall. Overall, these certificates are more suitable for customers who prefer market-linked returns and redemption flexibility rather than a fixed return throughout the investment period.

Variable-rate certificates are suitable for customers who want to benefit from changes in interest rates while maintaining a degree of flexibility, particularly with the option of full or partial redemption after six months and multiple interest payment frequencies. The 3-year certificates offer returns linked to the CBE deposit corridor rate, with an additional 0.50% for monthly payments and 1.00% for quarterly payments. The 5-year certificates are also linked to the deposit corridor rate, with

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Variable certificate

QNB 4.5

Current yield · variable 20% – 20.5%

Term 3 yrs

Min. deposit EGP 1,000

Payout Monthly 20.5% · Quarterly 20%

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Updated Friday 30 October 2026 - 01:29 PM

Banky Analysis

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Our take 4.5

4.5 Banky rating

Pros

Flexible monthly/quarterly payout options combined with an accessible EGP 1,000 entry point.

Cons

Returns will decrease if the central bank shifts toward monetary easing.

Our take

The QNB 3-Year Floating Rate Certificate allows depositors to capture high floating returns while tailoring their payout frequency (monthly or quarterly). Its low initial minimum requirement of EGP 1,000 makes it highly inclusive for retail investors. Nonetheless, depositors face yield risks should the Central Bank lower policy interest rates in the future.

A 3-year variable CD offering between 20% and 20.5% depending on payout frequency, with a EGP 1,000 minimum deposit.

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Variable certificate

QNB 4.5

Current yield · variable 19.65% – 19.75%

Term 5 yrs

Min. deposit EGP 1,000

Payout Monthly 19.65% · Quarterly 19.75%

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Updated Friday 30 October 2026 - 01:28 PM

Banky Analysis

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Our take 4.5

4.5 Banky rating

Pros

Long tenure investment with competitive variable yields and low entry threshold.

Cons

Extended 5-year lock-in period exposes investor cash flow to eventual rate decreases.

Our take

The QNB 5-Year Floating Rate Certificate offers a longer-term option for depositors wishing to stay aligned with market rate adjustments over 5 years. It keeps the entry barrier low at EGP 1,000. However, committing capital for 5 years under a variable structure introduces uncertainty regarding cash flow if central rates drop over the long run.

A 5-year variable-rate certificate yielding 19.65% to 19.75% based on distribution choice, starting at EGP 1,000.

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Floating Certificates of Deposit

aaib 4.0

Current yield · variable 20% – 20.5%

Term 3 yrs

Min. deposit EGP 5,000

Payout Daily 20.25% · Monthly 20.5% · Quarterly 20%

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Updated Friday 30 October 2026 - 11:30 PM

Banky Analysis

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Our take 4.0

4.0 Banky rating

Pros

Certificate purchases start at 5,000 EGP and multiples thereof.
You can borrow or obtain credit cards secured by the certificate, up to 90% of its value.
Flexible disbursement schedule options

Cons

Risks of declining yields: Just as the certificate benefits from interest rate hikes, it is immediately and negatively affected if the central bank moves to lower interest rates.
The certificate cannot be redeemed or cashed in prior to the expiration of six months from the business day following the date of purchase.

Our take

The Arab African International Bank’s variable-yield savings certificates are three-year savings instruments designed for those seeking investment flexibility; their returns are directly linked to the interest rates announced by the Central Bank of Egypt (the "corridor" rates). The Arab African variable-yield certificate is an excellent, smart choice if you anticipate that interest rates in the Egyptian market will remain high or trend upward in the near future and wish to capitalize on this rise immediately. Conversely, if indicators suggest an imminent rate cut, it is preferable to quickly lock your funds into fixed-yield certificates to secure the highest possible return for the longest duration.

Automatically keeping pace with the market: The return is not fixed; instead, it fluctuates in line with the Central Bank of Egypt's decisions.

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3- years Floating EGP NXT Edge CD

NXT 5.0

Current yield · variable 20.5% – 21%

Term 3 yrs

Min. deposit EGP 50K

Payout Monthly 20.5% · Quarterly 21%

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Updated Friday 30 October 2026 - 09:41 AM

Banky Analysis

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Our take 5.0

5.0 Banky rating

Pros

The possibility of obtaining a loan secured against the certificate for up to 95% of its value.

Cons

The minimum amount required to issue the certificate is EGP 50,000.

Our take

NXT Edge 3-Year Variable-Rate EGP Certificate is a suitable savings option for customers seeking a competitive variable return with a guaranteed minimum rate, while also providing the flexibility to obtain financing of up to 95% of the certificate’s value. The option to receive returns on a monthly or quarterly basis offers additional flexibility based on the customer’s financial needs. However, customers should consider that the return is variable and that early redemption is subject to the applicable redemption rules and rates

NXT Edge 3-Year Variable-Rate Certificate with a 19.50% monthly or 20% quarterly return, featuring financing of up to 95% of the certificate’s value

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MID Plus Variable Return 3 Years Certificate in Egyptian Pounds

mid bank 5.0

Current yield · variable 20.5% – 20.65%

Term 3 yrs

Min. deposit EGP 100K

Payout Daily 20.5% · Monthly 20.65%

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Updated Friday 30 October 2026 - 09:43 AM

Banky Analysis

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Our take 5.0

5.0 Banky rating

Pros

You can borrow up to 95% of the certificate’s value at a competitive interest rate.
The certificate is issued to individuals and may be purchased in the name of a minor under the guardianship of their legal guardian.

Cons

The certificate cannot be redeemed before 6 months, after which redemption follows the bank’s announced schedule.

Our take

Mid Plus is a flexible 3-year savings certificate offering a variable return linked to the Central Bank corridor rate, with a minimum annual return of 17% and the choice of daily or monthly payouts. It also allows borrowing up to 95% of the certificate value, making it suitable for customers seeking competitive returns while maintaining financial flexibility and access to liquidity.

Mid Plus is a 3-year savings certificate with a minimum 17% variable annual return, flexible payouts, and borrowing of up to 95% of its value.

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Variable certificate

united bank 4.5

Current yield · variable 20% – 20.5%

Term 3 yrs

Min. deposit EGP 5,000

Payout Daily 20% · Monthly 20.5%

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Updated Friday 30 October 2026 - 01:32 PM

Banky Analysis

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Our take 4.5

4.5 Banky rating

Pros

Very high current yield that automatically adjusts upwards with market rate hikes.

Cons

Unpredictable income that decreases immediately if official rates are cut.

Our take

This certificate is an ideal choice for investors who anticipate interest rates to rise or remain elevated, as it allows them to maximize returns and immediately capitalize on any tightening by the central bank. However, it carries the risk of income volatility, making it less suitable for individuals relying on a predictable, fixed cash flow to cover specific financial obligations, particularly during potential rate-cutting cycles.

A variable-rate certificate linked directly to central bank benchmark rates, currently 20% to 20.5%.

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Five-year variable-rate certificates of deposit

nbk 3.0

Current yield · variable 19.25% – 19.75%

Term 5 yrs

Min. deposit EGP 1,000

Payout Monthly 19.25% · Quarterly 19.5% · Semi-annual 19.75%

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Updated Friday 30 October 2026 - 06:19 PM

Banky Analysis

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Our take 3.0

3.0 Banky rating

Pros

Redemption flexibility: Full or partial redemption is available after 6 months.
Access to financing: Customers can apply for loans or credit cards of up to 90% of the certificate’s value.

Cons

Uncertain return: The return may decrease if the CBE deposit corridor rate declines

Our take

Variable-rate certificates are suitable for customers who want to benefit from changes in interest rates while maintaining a degree of flexibility, particularly with the option of full or partial redemption after six months and multiple interest payment frequencies. The 3-year certificates offer returns linked to the CBE deposit corridor rate, with an additional 0.50% for monthly payments and 1.00% for quarterly payments. The 5-year certificates are also linked to the deposit corridor rate, with different deductions depending on the payment frequency. However, the variable-rate structure means that returns may decline if interest rates fall. Overall, these certificates are more suitable for customers who prefer market-linked returns and redemption flexibility rather than a fixed return throughout the investment period.

Variable-rate certificates are suitable for customers who want to benefit from changes in interest rates while maintaining a degree of flexibility, particularly with the option of full or partial redemption after six months and multiple interest payment frequencies. The 3-year certificates offer returns linked to the CBE deposit corridor rate, with an additional 0.50% for monthly payments and 1.00% for quarterly payments. The 5-year certificates are also linked to the deposit corridor rate, with

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Platinum Variable Interest Certificate

NBE 3.9

Current annual yield · variable 20.5%

Term 3 yrs

Min. deposit EGP 1,000

Payout Monthly

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Updated Friday 30 October 2026 - 11:29 PM

Banky Analysis

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Our take 3.9

3.9 Banky rating

Pros

Flexibility regarding interest rate movements: The customer benefits immediately when the Central Bank raises interest rates, without the need to break the certificate and reinvest the funds.
A minimum return rate of no less than 17%, even if central bank interest rates decline.
Various types of credit cards can be issued against the security of those certificates.
The calculation of the return begins on the business day following the day of purchase.
Regular payout cycle: The return is paid out monthly, with the calculation commencing on the business day following the purchase.

Cons

The yield is negatively affected by the central bank's reduction of interest rates (down to a minimum of 17%).
The certificate cannot be redeemed before the lapse of six months from the business day following the date of purchase.
Early redemption is subject to the discount rules and schedules announced by the bank.

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.

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3-year certificate with variable return

CIB 5.0

Current yield · variable 20.25% – 20.5%

Term 3 yrs

Min. deposit EGP 1,000

Payout Daily 20.25% · Monthly 20.5%

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Updated Friday 30 October 2026 - 01:26 PM

Banky Analysis

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Our take 5.0

5.0 Banky rating

Pros

Financing against the certificate: Customers can obtain credit facilities of up to 95% of the certificate value.

Cons

Early redemption reduces the return: The applicable return is reduced upon early redemption.

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.