Prepaid deposits in Egyptian pounds
Fixed-term deposits offering upfront interest of up to 4%, terms starting from one month, and a minimum deposit of EGP 5,000.
- Total yield · Upfront
- 12%
- Over 3 yrs · avg. 4% a year
- As the bank announces it: 4% a year paid upfront (12% over 3 years)
- Term
- 3 yrs
- Min. deposit
- EGP 5,000
- Payout
- Upfront
The total and the average annual profit rate (total ÷ years) are Banky's figures for comparing certificates on one unit; they do not change what the bank pays.
Banky Analysis
Suits you if
- I want a predictable return
- Fixed, unchanging return
- I may need to break early
Not for you if
- I need monthly income
- Advertised yield lower than average
- Grow my savings the most
- Yield lower than average for this term
- Keep my money reachable
- Longer lock-in
Not known yet
1 more detail we don't have yet
All of this is measured against gt24m in EGP only
Last checked Monday 02 November 2026 - 04:01 PM
Returns
- Rate type
- Fixed
- Payout
- Upfront
- Yield by payout
- Upfront
- ≥ EGP 5,0002.5%As the bank announces it: 2.5% a year
- ≥ EGP 5,0003%As the bank announces it: 3% a year
- ≥ EGP 5,0003.75%As the bank announces it: 3.75% a year
- ≥ EGP 5,0004%As the bank announces it: 4% a year
- ≥ EGP 5,0003.75%As the bank announces it: 3.75% a year
- ≥ EGP 5,0004%As the bank announces it: 4% a year paid upfront (12% over 3 years)
Amount & term
- Deposit type
- Time Deposit
- Term
- 3 yrs
- Min deposit
- EGP 5,000
- Negotiable
- No
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal rate type
- Prevailing
- Usable as collateral
- Yes
- Available online
- No
- Branch visit required
- Yes
Do the maths
Our take
Pros
- Customers receive interest upfront, can check the expected return in advance.
- choose a term that suits their financial needs
- access financing secured against the deposit
Cons
- The return is low compared to other alternatives.
Our take
Housing and Development Bank's Upfront Interest Deposits allow customers to receive their returns immediately upon opening the deposit and check the expected return beforehand. Terms range from one month to three years, with rates of up to 4% and a minimum deposit of EGP 5,000. Customers can also obtain loans or credit cards secured against the deposit. While the flexible terms and upfront interest payment offer convenience, the maximum return of 4% may limit the product's appeal to savers seeking higher yields.
Fixed-term deposits offering upfront interest of up to 4%, terms starting from one month, and a minimum deposit of EGP 5,000.
Compare
| Prepaid deposits in Egyptian pounds Housing and Development Bank This one | Weekly deposit CIB Egypt | 3- month Advanced Interest Time Deposits Egbank | Weekly deposit QNB EGYPT |
|---|---|---|---|
| Total yield · Upfront | |||
| 12% | 3.75% – 7.75% Annual yield | 4.75% Annual yield | 5% Annual yield |
| Term | |||
| 3 yrs | 7 days | 3 mo | 7 days |
| Min. deposit | |||
| EGP 5,000 | EGP 5,000 | EGP 10K | EGP 100K |
| Payout | |||
| Upfront | At maturity | Upfront | At maturity |
Added Wednesday 28 October 2026 - 02:47 PM Updated Wednesday 28 October 2026 - 02:55 PM