Certificates

MID Plus Variable Return 3 Years Certificate in Egyptian Pounds

mid bank 5.0

Current annual yield · Monthly · variable 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

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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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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

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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 annual yield · Monthly · variable 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

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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.

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saib prime certificate

saib 4.5

Current annual yield · Monthly · variable 20.5%

Term 3 yrs

Min. deposit EGP 1,000

Payout Daily 20% · Monthly 20.5%

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Updated Friday 30 October 2026 - 01:30 PM

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Our take 4.5

4.5 Banky rating

Pros

Low minimum investment of EGP 1,000 with daily or monthly interest payouts and exposure to future interest-rate increases.

Cons

The return is not fixed and may decline if the Central Bank reduces interest rates during the certificate term.

Our take

saib Prime Certificate stands out as a competitive savings product for customers seeking to benefit from high interest rates with a very accessible minimum investment of only EGP 1,000. The certificate offers the flexibility of receiving returns either daily or monthly, making it attractive for investors who need regular cash flow. Since the return is linked to the Central Bank of Egypt's deposit rate, customers can benefit from future rate increases; however, returns may decline if interest rates are reduced during the certificate's tenure.

A variable-rate certificate offering investment flexibility, daily or monthly payouts, and a very low entry threshold.

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Gary Plus certificate

SCBank 4.5

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 - 01:45 PM

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Our take 4.5

4.5 Banky rating

Pros

The return is calculated starting from the business day following the purchase of the certificate.

Cons

The return is not fixed, so the monthly payout may decline if the CBE cuts interest rates

Our take

The “Garey Plus” Certificate from Suez Canal Bank is a suitable option for customers seeking a variable return with monthly income, particularly with its low minimum investment of EGP 1,000 and a current monthly payout rate of 20.5%, based on the CBE deposit rate plus 0.5%. The certificate also has no issuance fees and provides access to loans and credit cards subject to the bank’s credit policy. However, its return is linked to the deposit rate, meaning the payout may decline if interest rates fall during the certificate term.

A three-year variable-rate certificate offering a current 20.5% monthly payout, with a low EGP 1,000 minimum and no issuance fees.

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Variable certificate

QNB 4.5

Current annual yield · Monthly · variable 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

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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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Floating Certificates of Deposit

aaib 4.0

Current annual yield · Monthly · variable 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

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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-year savings certificates with variable monthly interest

Emirates NBD 4.5

Current annual yield · variable 20.5%

Term 3 yrs

Min. deposit EGP 5,000

Payout Monthly

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Updated Friday 30 October 2026 - 01:29 PM

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Our take 4.5

4.5 Banky rating

Pros

When the CBE changes its deposit rate, the new rate will automatically apply after adding the return accrued for the current week to the customer’s account.
Minimum Issuance Amount: EGP 5000, in multiples of EGP 1000.

Cons

Variable return: The return is not fixed and may decrease if the CBE reduces its deposit rate.
Six-month lock-in period: Customers cannot redeem the certificate during the first 6 months.

Our take

The Emirates NBD 3-Year Floating Rate Certificate is an attractive medium-term savings instrument designed to capitalize on high-interest environments by offering a yield tied to the Central Bank of Egypt's overnight deposit rate plus a premium (+0.50%). It is highly accessible for retail investors due to its low EGP 5,000 entry point and convenient monthly distribution. However, because the yield fluctuates directly with central bank policy, returns remain subject to downside risk if interest rates are reduced in the future.

A 3-year certificate featuring a monthly floating yield set at the CBE overnight rate + 0.50%, accessible with a minimum deposit of EGP 5,000.

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Floating Certificate

abk 3.7

Current annual yield · Monthly · variable 20.5%

Term 3 yrs

Min. deposit EGP 1,000

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

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Updated Friday 30 October 2026 - 09:57 AM

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Our take 3.7

3.7 Banky rating

Pros

The return can be received through a savings account or a current account.
You can borrow up to 95% of the certificate’s value.

Cons

The discount rate reaches 2%.

Our take

Floating Certificate offered by Al Ahli Bank of Kuwait – Egypt is a banking product that provides a competitive return with flexible interest payment options, including daily, monthly, or quarterly payments. It also allows early redemption after six months and borrowing up to 95% of the certificate’s value. However, the return is variable rather than fixed, which may affect the amount of interest earned by the customer.

Floating Certificate from ABK-Egypt offers a competitive return, flexible interest payments, and borrowing up to 95% of its value; however, its return is not fixed

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Primo Three-Year Variable Rate Certificate

bdc 4.5

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 - 01:29 PM

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Our take 4.5

4.5 Banky rating

Pros

The combination of a relatively high monthly return and a low minimum investment, with full or partial redemption available after six months.

Cons

The return is variable, meaning it could decline if interest rates fall, making the monthly income less predictable throughout the certificate term.

Our take

Banque du Caire’s Primo Three-Year Variable Certificate offers a monthly return of 20.5%, with a low minimum investment of EGP 1,000, making it suitable for customers seeking regular income while benefiting from a variable return structure. The certificate also has no maximum issuance limit, allows borrowing against it, and offers full or partial redemption after six months, providing good flexibility in managing savings.

A variable-rate certificate offering a 20.5% monthly return, with a low EGP 1,000 minimum and flexible borrowing and redemption options.

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3- years Floating EGP NXT Edge CD

NXT 5.0

Current annual yield · Monthly · variable 20.5%

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

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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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Eltanmia certificate

idb 4.0

Current annual yield · Monthly · variable 20.5%

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.