Smart Deposit — saib bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
  • Central Bank of Egypt
  • 🇺🇸 USD Buy 55.37 Sell 55.51 −0.35 −0.63%
  • 🇪🇺 EUR Buy 62.05 Sell 62.22 −0.13 −0.21%
  • 🇬🇧 GBP Buy 74.26 Sell 74.45 −0.36 −0.48%
  • 🇸🇦 SAR Buy 14.75 Sell 14.79 −0.09 −0.63%
  • 🇦🇪 AED Buy 15.07 Sell 15.11 −0.09 −0.62%
  • 🇰🇼 KWD Buy 179.65 Sell 180.15 −1.14 −0.63%
  • 24 Karat 7,040.00 +25.00 +0.36%
  • 21 Karat 6,160.00 +20.00 +0.33%
  • 18 Karat 5,280.00 +15.00 +0.28%
  • Gold Pound 49,280.00 +160.00 +0.33%
  • Ounce 218,970.00 +710.00 +0.33%

Smart Deposit

saib bank · Deposits · Egyptian Pound · 4.0 · Saturday 10 October 2026 - 02:48 AM

A time deposit offering a fixed annual return of up to 14.75%, with a minimum deposit of EGP 150,000 and the option to break it at any time after issuance.

Annual yield
13.25%
As the bank announces it: 13.25% a year
Term
1 mo
Min. deposit
EGP 150K
Payout
At maturity

Banky Analysis

Suits you if

  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed, unchanging return
  • Keep my money reachable
    • Shorter lock-in
  • I may need to break early

Not for you if

  • I need monthly income
    • Pays out less frequently

What's good

  • Shorter lock-in

Not known yet

1 more detail we don't have yet

All of this is measured against products of up to 1 month 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 150,000 – EGP 1,000,000 1 mo
    13.25%
    As the bank announces it: 13.25% a year
  2. EGP 1,000,001 – EGP 5,000,000 1 mo
    13.75%
    As the bank announces it: 13.75% a year
  3. EGP 5,000,001 – EGP 20,000,000 1 mo
    14.25%
    As the bank announces it: 14.25% a year
  4. ≥ EGP 20,000,001 1 mo
    14.75%
    As the bank announces it: 14.75% a year

Amount & term

Deposit type
Time Deposit
Term
1 mo
Min deposit
EGP 150,000
Negotiable
No

Withdrawal & renewal

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

Do the maths

Smart 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 4.0

4.0 Banky rating

Pros

  • the option to break it at any time after issuance
  • Fixed-term deposits for individual and corporate clients
  • The deposit is issued on the same day the application is submitted

Cons

  • Relatively high minimum deposit requirement.

Our take

saib Bank’s Smart Monthly Deposit offers a fixed annual return of up to 14.75%, with a minimum deposit of EGP 150,000. Available to both individuals and businesses, it provides regular income for customers looking to invest their savings. The deposit can be opened through branches or internet banking within the specified cut-off times, and customers can break it at any time after issuance, providing flexibility in accessing their funds. However, the EGP 150,000 minimum deposit may limit accessibility for smaller savers, and the advertised return of up to 14.75% may not apply to every deposit.

A time deposit offering a fixed annual return of up to 14.75%, with a minimum deposit of EGP 150,000 and the option to break it at any time after issuance.

Compare

Alternatives at a glance
Smart Deposit saib bank This one Ahlan Annual Deposit saib bank monthly deposit the united bank 1 year and up to less than 2 years National Bank of Egypt
Annual yield
13.25% 13.5% 13% 14.5% – 15.5% Yield by payout
Term
1 mo 1 yr 1 mo 2 yrs
Min. deposit
EGP 150K EGP 1M EGP 100K EGP 1,000
Payout
At maturity Monthly At maturity Monthly 14.5% · Quarterly 15% · Semi-annual 15.25% · Annual 15.5%
Compare with 3 similar deposits

Added Tuesday 14 July 2026 - 11:11 AM Updated Monday 26 October 2026 - 02:47 PM