الوديعة سنتين — CIB Egypt | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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الوديعة سنتين

CIB Egypt · Deposits · Egyptian Pound · 4.0 · Thursday 20 August 2026 - 01:54 PM

he two-year deposit offers long-term income stability, but the one-year option is more attractive in terms of yield.

Annual yield
10% – 12%
Depends on customer segment
Term
2 yrs
Min. deposit
EGP 5,000
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Pays out more frequently
  • I want a predictable return
    • Fixed, unchanging return

Not for you if

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

All of this is measured against products of up to 24 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 2 yrsPrime
    10%
  2. ≥ EGP 5,000 2 yrsPlus
    10.5%
  3. ≥ EGP 5,000 2 yrsWealth
    11%
  4. ≥ EGP 5,000 2 yrsExclusive Wealth
    11.5%
  5. ≥ EGP 5,000 2 yrsPrivate Banking
    12%

Amount & term

Deposit type
Time Deposit
Term
2 yrs
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

  • Monthly return payout.
  • Suitable for customers who prefer stable returns over a longer period.

Cons

  • Returns are lower than the one-year deposit despite the longer tenor.
  • Not the best option for customers who can commit for only one year.

Our take

Despite its monthly income feature, the two-year deposit offers weaker value for the longer commitment compared with the one-year option.

he two-year deposit offers long-term income stability, but the one-year option is more attractive in terms of yield.

Compare

Alternatives at a glance
الوديعة سنتين CIB Egypt This one Digital monthly deposit QNB EGYPT Traditional weekly deposit for individuals the united bank Ahlan Annual Deposit saib bank
Annual yield
10% – 12% 10% 11.5% 13.5%
Term
2 yrs 1 mo 1 mo 1 yr
Min. deposit
EGP 5,000 EGP 5,000 EGP 100K EGP 1M
Payout
Monthly At maturity Upfront Monthly
Compare with 3 similar deposits

Added Monday 29 June 2026 - 11:25 AM Updated Monday 27 July 2026 - 06:09 PM