Smart Time Deposit — bank abc | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Smart Time Deposit

bank abc · Deposits · Egyptian Pound · 4.0 · Sunday 11 October 2026 - 11:10 PM

Enjoy long-term savings deposits featuring competitive fixed interest rates and various payout frequencies.

Yield by payout
14.82% – 15.12%
Term
3 yrs
Min. deposit
EGP 2M
Payout
Monthly 14.82% · Quarterly 14.97% · Semi-annual 15.12%

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

Not for you if

  • Keep my money reachable
    • Pays out more frequently
  • I may need to break early

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 14.82% · Quarterly 14.97% · Semi-annual 15.12%
Rate tiers
  1. ≥ EGP 2,000,000 1 yrCompounded monthly
    15.85%
  2. ≥ EGP 2,000,000 1 yrCompounded quarterly
    16.1%
  3. ≥ EGP 2,000,000 1 yrCompounded semi-annually
    16.25%
  4. ≥ EGP 2,000,000 2 yrsCompounded monthly
    15.97%
  5. ≥ EGP 2,000,000 2 yrsCompounded quarterly
    16.12%
  6. ≥ EGP 2,000,000 2 yrsCompounded semi-annually
    16.27%
  7. ≥ EGP 2,000,000 3 yrsCompounded monthly
    14.82%
  8. ≥ EGP 2,000,000 3 yrsCompounded quarterly
    14.97%
  9. ≥ EGP 2,000,000 3 yrsCompounded semi-annually
    15.12%

Amount & term

Deposit type
Time Deposit
Term
3 yrs
Min deposit
EGP 2,000,000
Negotiable
No

Withdrawal & renewal

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

Do the maths

Smart Time Deposit

Calculate your deposit's maturity value and net profit after tax.

Enter values to see the result.

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

Our take 4.0

4.0 Banky rating

Pros

  • Competitive fixed return: The deposit offers a competitive, fixed rate of return throughout the investment period.
  • The deposit offers a choice of various terms—including one, two, and three years—to suit medium- and long-term financial planning.
  • Flexibility in choosing the return payout frequency (monthly, quarterly, or semi-annually).
  • Offered to both individuals and companies—specifically Egyptian individual customers and foreign nationals residing in Egypt—with a minimum age requirement of 21 years.
  • The ability to obtain credit facilities secured by the savings balance.

Cons

  • Breaking or redeeming the deposit prior to the maturity date is subject to the bank's terms and penalties regarding the recalculation of the return.
  • A high minimum threshold for placing the deposit, of no less than 2 million pounds.

Our take

Smart Deposits are an excellent choice for individuals or businesses looking to lock in an interest rate for medium-term periods (up to three years) to ensure a known, stable return. They also offer the advantage of flexible payout frequencies—monthly, quarterly, or semi-annually—helping depositors manage their recurring expenses. If you anticipate stable or declining future interest rates and prefer a steady, regular income over several years, this deposit offers an ideal balance between investment duration and flexible payout options.

Enjoy long-term savings deposits featuring competitive fixed interest rates and various payout frequencies.

Compare

Alternatives at a glance
Smart Time Deposit bank abc This one Quarterly deposit banque du caire Ahlan Monthly Deposit saib bank 1 year and up to less than 2 years National Bank of Egypt
Yield by payout
14.82% – 15.12% 15% Annual yield14.5% Annual yield14.5% – 15.5%
Term
3 yrs 3 mo 1 mo 2 yrs
Min. deposit
EGP 2M EGP 10K EGP 1.5M EGP 1,000
Payout
Monthly 14.82% · Quarterly 14.97% · Semi-annual 15.12% Monthly At maturity Monthly 14.5% · Quarterly 15% · Semi-annual 15.25% · Annual 15.5%
Compare with 3 similar deposits

Added Sunday 11 October 2026 - 10:57 PM Updated Sunday 11 October 2026 - 11:10 PM