Time deposits — Agricultural Bank of Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Time deposits

Agricultural Bank of Egypt · Deposits · Egyptian Pound · 4.0 · Sunday 09 August 2026 - 08:23 AM

Deposits at the Agricultural Bank of Egypt are considered a traditional savings solution characterized by flexibility and a variety of available maturities.

Total yield · At maturity
26.25%
Over 3 yrs · avg. 8.75% a year · Redeems 126.25%
Term
3 yrs
Min. deposit
EGP 1,000
Payout
At maturity

Banky Analysis

Suits you if

  • I want a predictable return
    • Fixed, unchanging return
  • I may need to break early

Not for you if

  • I need monthly income
    • Pays out less frequently
  • Grow my savings the most
  • Keep my money reachable
    • Longer lock-in

Not known yet

1 more detail we don't have yet

All of this is measured against gt24m in EGP only

Last checked Monday 02 November 2026 - 04:01 PM

Returns

Rate type
Fixed
Payout
At Maturity
Yield by payout
At maturity
Rate tiers
  1. ≥ EGP 1,000 1 mo
    7.75%
  2. ≥ EGP 1,000 2 mo
    7.75%
  3. ≥ EGP 1,000 3 mo
    8%
  4. ≥ EGP 1,000 6 mo
    8.25%
  5. ≥ EGP 1,000 1 yr
    8.25%
  6. ≥ EGP 1,000 2 yrs
    8.5%
  7. ≥ EGP 1,000 3 yrs
    8.75%
  8. ≥ EGP 100,000 7 days
    4.25%
  9. ≥ EGP 100,000 15 days
    5.25%

Amount & term

Deposit type
Time Deposit
Term
3 yrs
Min deposit
EGP 1,000
Negotiable
No

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal rate type
Prevailing
Usable as collateral
Yes
Available online
No
Branch visit required
Yes

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Time deposits

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Our take 4.0

4.0 Banky rating

Pros

  • Flexibility in terms and minimums: Time deposit terms range from 7 days to 3 years.
  • The bank allows borrowing or obtaining credit cards secured by the deposit, up to 80%–85% of its value.
  • Tax Exemption: Returns earned on deposits are exempt from taxes.

Cons

  • Low interest rates on short-term deposits: Yields on time deposits (with terms of less than one year) are relatively low compared to high-yield accounts or certificates of deposit.
  • A relatively high minimum threshold for placing the deposit.

Our take

Products offered by the Agricultural Bank of Egypt represent a safe and convenient option for savers who prefer dealing with local branches in regional centers and provinces. They offer optimal financial returns, with short-term deposits catering to those who wish to lock up liquidity for brief periods—ranging from one to six months—without committing to long-term withdrawal restrictions. While deposits at the Agricultural Bank of Egypt offer a traditional savings solution characterized by flexibility and a variety of available terms, they are generally classified as tools for short-term liquidity management rather than instruments for long-term investment.

Deposits at the Agricultural Bank of Egypt are considered a traditional savings solution characterized by flexibility and a variety of available maturities.

Compare

Alternatives at a glance
Time deposits Agricultural Bank of Egypt This one monthly deposit CIB Egypt 3- month Advanced Interest Time Deposits Egbank Weekly deposit QNB EGYPT
Total yield · At maturity
26.25% 4.5% – 11.5% Annual yield4.75% Annual yield5% Annual yield
Term
3 yrs 1 mo 3 mo 7 days
Min. deposit
EGP 1,000 EGP 5,000 EGP 10K EGP 100K
Payout
At maturity At maturity Upfront At maturity
Compare with 3 similar deposits

Added Sunday 09 August 2026 - 08:17 AM Updated Sunday 18 October 2026 - 10:52 AM