Multi frequencies time deposits — National Bank of Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Multi frequencies time deposits

National Bank of Egypt · Deposits · Egyptian Pound · 4.0 · Sunday 09 August 2026 - 08:54 AM

Deposits at the National Bank of Egypt are a short-term liquidity management tool, not a long-term investment instrument.

Yield by payout
9.1% – 9.25%
Term
7 yrs
Min. deposit
EGP 1,000
Payout
Monthly 9.1% · Quarterly 9.11% · Semi-annual 9.14% · Annual 9.25%

Banky Analysis

Suits you if

  • I need monthly income
    • Pays out more frequently
  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed, unchanging return
  • Keep my money reachable
    • Longer lock-in
  • I may need to break early

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
Multiple
Yield by payout
Monthly 9.1% · Quarterly 9.11% · Semi-annual 9.14% · Annual 9.25%
Rate tiers
  1. ≥ EGP 1,000 1 yrCompounded monthly
    14.5%
  2. ≥ EGP 1,000 1 yrCompounded quarterly
    15%
  3. ≥ EGP 1,000 1 yrCompounded semi-annually
    15.25%
  4. ≥ EGP 1,000 1 yrCompounded annually
    15.5%
  5. ≥ EGP 1,000 2 yrsCompounded monthly
    12.75%
  6. ≥ EGP 1,000 2 yrsCompounded quarterly
    12.9%
  7. ≥ EGP 1,000 2 yrsCompounded semi-annually
    13.1%
  8. ≥ EGP 1,000 2 yrsCompounded annually
    13.5%
  9. ≥ EGP 1,000 3 yrsCompounded monthly
    12.3%
  10. ≥ EGP 1,000 3 yrsCompounded quarterly
    12.4%
  11. ≥ EGP 1,000 3 yrsCompounded semi-annually
    12.6%
  12. ≥ EGP 1,000 3 yrsCompounded annually
    13%
  13. ≥ EGP 1,000 4 yrsCompounded monthly
    9.34%
  14. ≥ EGP 1,000 4 yrsCompounded quarterly
    9.35%
  15. ≥ EGP 1,000 4 yrsCompounded semi-annually
    9.38%
  16. ≥ EGP 1,000 4 yrsCompounded annually
    9.5%
  17. ≥ EGP 1,000 5 yrsCompounded monthly
    9.1%
  18. ≥ EGP 1,000 5 yrsCompounded quarterly
    9.11%
  19. ≥ EGP 1,000 5 yrsCompounded semi-annually
    9.14%
  20. ≥ EGP 1,000 5 yrsCompounded annually
    9.25%
  21. ≥ EGP 1,000 6 yrsCompounded monthly
    9.1%
  22. ≥ EGP 1,000 6 yrsCompounded quarterly
    9.11%
  23. ≥ EGP 1,000 6 yrsCompounded semi-annually
    9.14%
  24. ≥ EGP 1,000 6 yrsCompounded annually
    9.25%
  25. ≥ EGP 1,000 7 yrsCompounded monthly
    9.1%
  26. ≥ EGP 1,000 7 yrsCompounded quarterly
    9.11%
  27. ≥ EGP 1,000 7 yrsCompounded semi-annually
    9.14%
  28. ≥ EGP 1,000 7 yrsCompounded annually
    9.25%

Amount & term

Deposit type
Time Deposit
Term
7 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
Yes
Branch visit required
Yes

Do the maths

Multi frequencies time deposits

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • It is possible to borrow against it in accordance with applicable rules.
  • You can invest for the long term with the flexibility to choose the return frequency.
  • It may be redeemed prior to the end of the term, in accordance with the rules and conditions announced by the bank.
  • Low minimum amount to open the deposit: starts at just EGP 1,000.

Cons

  • Lower interest yield compared to certificates: The interest rate on deposits is significantly lower than that of the savings certificates offered by the bank.
  • Diminishing returns with longer terms: For long-term deposits (ranging from 4 to 7 years or more), the annual return rate is lower compared to shorter terms (one or two years).
  • Loss of interest upon early withdrawal: Although the deposit can be redeemed at any time, withdrawing it before maturity results in a recalculation of the return or the deduction of a portion of it as an early withdrawal penalty.

Our take

A deposit is a short-term liquidity management tool rather than a long-term investment vehicle. If your goal is a higher return, certificates are the most suitable choice; however, if you prioritize flexibility and quick access to liquidity, a deposit is the better option. Choose a "deposit" in the following situations: If you have temporary surplus funds that you know you will need in the near future (within a week, a month, or a period ranging from a few months to a year) and wish to earn a return on them rather than leaving them in a current account. If you are concerned about locking up your funds and want the ability to withdraw or reclaim them at any time, without having to wait for a six-month period to elapse.

Deposits at the National Bank of Egypt are a short-term liquidity management tool, not a long-term investment instrument.

Compare

Alternatives at a glance
Multi frequencies time deposits National Bank of Egypt This one Digital weekly deposit QNB EGYPT الوديعة سنتين CIB Egypt Traditional weekly deposit for individuals the united bank
Yield by payout
9.1% – 9.25% 9.5% Annual yield10% – 12% Annual yield11.5% Annual yield
Term
7 yrs 7 days 2 yrs 1 mo
Min. deposit
EGP 1,000 EGP 100K EGP 5,000 EGP 100K
Payout
Monthly 9.1% · Quarterly 9.11% · Semi-annual 9.14% · Annual 9.25% At maturity Monthly Upfront
Compare with 3 similar deposits

Added Sunday 09 August 2026 - 08:34 AM Updated Sunday 18 October 2026 - 11:18 AM