6-month deposit — CIB Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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6-month deposit

CIB Egypt · Deposits · Egyptian Pound · 4.0 · Thursday 20 August 2026 - 01:51 PM

A reasonable medium-term option, although the one-year deposit offers a much stronger return.

Annual yield
5.25% – 12.25%
Depends on customer segment
Term
6 mo
Min. deposit
EGP 5,000
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
    • Shorter lock-in
  • I may need to break early

What's good

  • Shorter lock-in

All of this is measured against products of up to 6 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 5,000 6 moPrime
    5.25%
  2. ≥ EGP 5,000 6 moPlus
    8.25%
  3. ≥ EGP 5,000 6 moWealth
    11.25%
  4. ≥ EGP 5,000 6 moExclusive Wealth
    11.75%
  5. ≥ EGP 5,000 6 moPrivate Banking
    12.25%

Amount & term

Deposit type
Time Deposit
Term
6 mo
Min deposit
EGP 5,000
Negotiable
No

Withdrawal & renewal

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

Our take 4.0

4.0 Banky rating

Pros

  • Medium-term tenor offering more flexibility than annual deposits.
  • Returns reach up to 12.50%.

Cons

  • It may not maximize returns compared with the one-year option.

Our take

It offers a practical middle-ground for customers who want a six-month commitment rather than a full year.

A reasonable medium-term option, although the one-year deposit offers a much stronger return.

Compare

Alternatives at a glance
6-month deposit CIB Egypt This one The annual deposit with monthly interest Credit Agricole Egypt Fixed deposits for a week National Bank of Kuwait Egypt 3-month deposit CIB Egypt
Annual yield
5.25% – 12.25% 5.5% 5.5% 5% – 12%
Term
6 mo 1 yr 7 days 3 mo
Min. deposit
EGP 5,000 EGP 5,000 EGP 200K EGP 5,000
Payout
At maturity Daily At maturity At maturity
Compare with 3 similar deposits

Added Monday 29 June 2026 - 11:12 AM Updated Thursday 08 October 2026 - 12:57 AM