Annual deposit — CIB 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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Annual deposit

CIB Egypt · Deposits · Egyptian Pound · 4.0 · Thursday 20 August 2026 - 01:52 PM

The strongest option for customers seeking a high return combined with monthly income.

Annual yield
16% – 17%
Depends on customer segment
Term
1 yr
Min. deposit
EGP 5,000
Payout
Monthly

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 products of up to 12 months in EGP only

Last checked Monday 02 November 2026 - 04:01 PM

Returns

Rate type
Fixed
Payout
Compounded monthly
Yield by payout
Monthly
Rate tiers
  1. ≥ EGP 5,000 1 yrPrime
    16.25%
  2. ≥ EGP 5,000 1 yrPlus
    16.5%
  3. ≥ EGP 5,000 1 yrWealth
    16.75%
  4. ≥ EGP 5,000 1 yrExclusive Wealth
    17%
  5. ≥ EGP 5,000 1 yrPrivate Banking
    16%

Amount & term

Deposit type
Time Deposit
Term
1 yr
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

  • One of the highest returns among the available deposit tenors.
  • Monthly payouts provide regular income.

Cons

  • The rate varies depending on the customer segment.
  • Less flexible than short-term deposits.

Our take

The one-year deposit is the most attractive option in the lineup, particularly with returns reaching 17% for Private customers and monthly payouts.

The strongest option for customers seeking a high return combined with monthly income.

Compare

Alternatives at a glance
Annual deposit CIB Egypt This one Semi-annual deposit banque du caire Ahlan Monthly Deposit saib bank 1 year and up to less than 2 years National Bank of Egypt
Annual yield
16% – 17% 15.5% 14.5% 14.5% – 15.5% Yield by payout
Term
1 yr 6 mo 1 mo 2 yrs
Min. deposit
EGP 5,000 EGP 10K EGP 1.5M EGP 1,000
Payout
Monthly Monthly At maturity Monthly 14.5% · Quarterly 15% · Semi-annual 15.25% · Annual 15.5%
Compare with 3 similar deposits

Added Monday 29 June 2026 - 11:15 AM Updated Wednesday 29 July 2026 - 02:06 PM