Smart Deposit
A Smart semi-annual deposit offering a fixed annual return of up to 13.5%, paid monthly, with a minimum deposit of EGP 150,000 and the option to break it at any time after issuance.
- Annual yield
- 13.5%
- Term
- 6 mo
- Min. deposit
- EGP 150K
- 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
- Keep my money reachable
- I may need to break early
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 6 months in EGP only
Last checked Monday 02 November 2026 - 04:01 PM
Returns
- Rate type
- Fixed
- Payout
- Compounded monthly
- Yield by payout
- Monthly
Amount & term
- Deposit type
- Time Deposit
- Term
- 6 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
Our take
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 Semi-Annual Deposit offers a fixed annual return of up to 13.5%, paid monthly, with a minimum deposit of EGP 150,000. Available to individuals and businesses, it provides regular income and can be opened through branches or internet banking within the specified cut-off times. Customers can also break the deposit at any time after issuance, offering flexibility in accessing their savings. However, the EGP 150,000 minimum deposit may limit accessibility for smaller savers, while the advertised return is lower than the rates offered on shorter-term options based on the information provided.
A Smart semi-annual deposit offering a fixed annual return of up to 13.5%, paid monthly, with a minimum deposit of EGP 150,000 and the option to break it at any time after issuance.
Compare
| 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 | |||
| 13.5% | 13.5% | 13% | 14.5% – 15.5% Yield by payout |
| Term | |||
| 6 mo | 1 yr | 1 mo | 2 yrs |
| Min. deposit | |||
| EGP 150K | EGP 1M | EGP 100K | EGP 1,000 |
| Payout | |||
| Monthly | Monthly | At maturity | Monthly 14.5% · Quarterly 15% · Semi-annual 15.25% · Annual 15.5% |
Added Tuesday 14 July 2026 - 11:27 AM Updated Sunday 18 October 2026 - 10:32 AM