Golden Time Deposit — bank abc | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Golden Time Deposit

bank abc · Deposits · Egyptian Pound · 3.5 · Sunday 11 October 2026 - 11:48 PM

Invest your funds in Gold Deposits offering a competitive fixed rate of return and exclusive benefits.

Annual yield
10.25%
Term
1 yr
Min. deposit
EGP 20K
Payout
At maturity

Banky Analysis

Suits you if

  • I want a predictable return
    • Fixed, unchanging return

Not for you if

  • I need monthly income
    • Pays out less frequently
  • Grow my savings the most
    • Yield higher than average for this term
  • Keep my money reachable
  • I may need to break early

All of this is measured against products of up to 12 months 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 20,000 1 mo
    8.25%
  2. ≥ EGP 20,000 3 mo
    8.75%
  3. ≥ EGP 20,000 6 mo
    9.25%
  4. ≥ EGP 20,000 1 yr
    10.25%

Amount & term

Deposit type
Time Deposit
Term
1 yr
Min deposit
EGP 20,000
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

Golden 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 3.5

3.5 Banky rating

Pros

  • The deposit offers a competitive, fixed rate of return throughout the investment period.
  • It offers a savings vehicle specifically designed for individual customers—both Egyptian and foreign residents of Egypt—who are at least 21 years of age.
  • It allows savers to choose from various terms that suit their needs (one month, 3 months, 6 months, or one year).
  • The ability to obtain credit facilities secured by the savings balance.

Cons

  • The deposit is offered to individuals only and is not available to companies.
  • Breaking a deposit before its maturity date is subject to the bank's terms and conditions, as well as penalties or a recalculation of the return.

Our take

Gold deposits are an excellent choice for individuals seeking savings vehicles with guaranteed, fixed rates for short- to medium-term periods of up to one year, while also offering easy access to financing through deposit-backed facilities. If you prefer to save your funds for flexible, specific durations (ranging from one month to one year) with a guaranteed, pre-determined return, this deposit offers solid financial stability; however, if you are looking for longer terms and various payout frequencies, "Smart Deposits" may offer a broader range of options.

Invest your funds in Gold Deposits offering a competitive fixed rate of return and exclusive benefits.

Compare

Alternatives at a glance
Golden Time Deposit bank abc This one Digital weekly deposit QNB EGYPT 3-month fixed deposits National Bank of Kuwait Egypt الوديعة سنتين CIB Egypt
Annual yield
10.25% 9.5% 6.5% 10% – 12%
Term
1 yr 7 days 3 mo 2 yrs
Min. deposit
EGP 20K EGP 100K EGP 5,000 EGP 5,000
Payout
At maturity At maturity At maturity Monthly
Compare with 3 similar deposits

Added Sunday 11 October 2026 - 11:35 PM Updated Sunday 11 October 2026 - 11:37 PM