18-month deposit — the united bank | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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18-month deposit

the united bank · Deposits · Egyptian Pound · 5.0 · Tuesday 13 October 2026 - 02:59 PM

The investment peak for deposits with its 18-month duration and highest final return.

Total yield · At maturity
21.5%
Over 18 mo · avg. 14.32% a year · Redeems 121.5%
As the bank announces it: 21.5% عن كامل مدة الوديعة
Term
18 mo
Min. deposit
EGP 5,000
Payout
At maturity

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

Not for you if

  • I need monthly income
    • Pays out less frequently
  • Grow my savings the most
    • Yield lower than average for this term
  • Keep my money reachable
  • 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
At Maturity
Yield by payout
At maturity
Rate tiers
  1. ≥ EGP 5,000 18 mo
    14.33%
    As the bank announces it: 21.5% عن كامل مدة الوديعة

Amount & term

Deposit type
Time Deposit
Term
18 mo
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

Do the maths

18-month deposit

Calculate your deposit's maturity value and net profit after tax.

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 5.0

5.0 Banky rating

Pros

  • The highest available yield percentage within the traditional deposit structure at term-end.

Cons

  • Locking up funds for a relatively longer period (one and a half years) with no regular payout schedule before the end.

Our take

Considered one of the most profitable traditional deposit vessels by achieving an annual yield of up to 21.50% upon completing the 18-month tenure, making it the strongest choice for wealth growth.

The investment peak for deposits with its 18-month duration and highest final return.

Compare

Alternatives at a glance
18-month deposit the united bank This one Ahlan Annual Deposit saib bank 1 year and up to less than 2 years National Bank of Egypt Quarterly deposit banque du caire
Total yield · At maturity
21.5% 14.25% Annual yield14.5% – 15.5% Yield by payout15% Annual yield
Term
18 mo 1 yr 2 yrs 3 mo
Min. deposit
EGP 5,000 EGP 1M EGP 1,000 EGP 10K
Payout
At maturity At maturity Monthly 14.5% · Quarterly 15% · Semi-annual 15.25% · Annual 15.5% Monthly
Compare with 3 similar deposits

Added Monday 20 July 2026 - 02:10 PM Updated Thursday 22 October 2026 - 11:56 PM