Time deposits — BANQUE MISR | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Time deposits

BANQUE MISR · Deposits · Egyptian Pound · 3.0 · Wednesday 15 July 2026 - 03:30 PM

A medium-term deposit offering up to 8.5% annual interest with a low EGP 500 minimum, providing stable and predictable returns with added flexibility.

Annual yield
8.13%
As the bank announces it: 8.13% a year
Term
1 yr
Min. deposit
EGP 500
Payout
At maturity

Banky Analysis

Suits you if

  • I want a predictable return
    • Fixed, unchanging return
  • Keep my money reachable
    • Pays out less frequently
  • I may need to break early

Not for you if

  • I need monthly income
    • Pays out less frequently
  • Grow my savings the most
    • Yield lower than average for this term

Not known yet

1 more detail we don't have yet

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
At Maturity
Yield by payout
At maturity
Rate tiers
  1. EGP 500 – EGP 1,000,000 1 yr
    8.13%
    As the bank announces it: 8.13% a year
  2. EGP 1,000,001 – EGP 2,000,000 1 yr
    8.25%
    As the bank announces it: 8.25% a year
  3. EGP 2,000,001 – EGP 5,000,000 1 yr
    8.38%
    As the bank announces it: 8.38% a year
  4. EGP 5,000,001 – EGP 10,000,000 1 yr
    8.5%
    As the bank announces it: 8.5% a year

Amount & term

Deposit type
Time Deposit
Term
1 yr
Min deposit
EGP 500
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

Time deposits

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Our take 3.0

3.0 Banky rating

Pros

  • The deposit can be automatically renewed for additional terms.

Cons

  • The interest rate is low compared to other alternatives.

Our take

Banque Misr's deposit for periods ranging from one year to less than two years is a suitable option for customers seeking a medium-term investment with a fixed and guaranteed return. The deposit offers accessibility through a low minimum amount of EGP 500, along with early redemption flexibility, automatic renewal, and borrowing facilities against the deposit. Its fixed-rate structure makes it an attractive choice for savers looking for stability and predictable returns.

A medium-term deposit offering up to 8.5% annual interest with a low EGP 500 minimum, providing stable and predictable returns with added flexibility.

Compare

Alternatives at a glance
Time deposits BANQUE MISR This one Digital weekly deposit QNB EGYPT 3-month fixed deposits National Bank of Kuwait Egypt الوديعة سنتين CIB Egypt
Annual yield
8.13% 9.5% 6.5% 10% – 12%
Term
1 yr 7 days 3 mo 2 yrs
Min. deposit
EGP 500 EGP 100K EGP 5,000 EGP 5,000
Payout
At maturity At maturity At maturity Monthly
Compare with 3 similar deposits

Added Wednesday 15 July 2026 - 03:29 PM Updated Saturday 31 October 2026 - 02:58 PM