Deposits | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Deposits

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236 products

Ahlan Quarterly Deposit

saib 4.0
Annual yield 14.5%
Term 3 mo
Min. deposit EGP 1M
Payout Monthly
Details
Updated Sunday 18 October 2026 - 10:20 AM
Banky Analysis
Returns

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Our take 4.0
4.0 Banky rating

Pros

  • The deposit can be broken at any time after issuance, providing flexibility in accessing funds without remaining committed to the full investment term.
  • Fixed-term deposits for individual and corporate clients
  • The deposit is issued on the same day the application is submitted

Cons

  • High minimum deposit requirement.

Our take

saib Bank’s Ahla Quarterly Deposit offers a fixed annual return of up to 14.5%, with a minimum deposit of EGP 1 million, and is available to both individuals and businesses. Customers can open the deposit through branches or internet banking within the specified cut-off times. The option to break the deposit at any time after issuance provides flexibility in accessing funds when needed. However, the relatively high minimum deposit limits accessibility for customers with smaller savings, and the advertised return of up to 14.5% may not apply to every deposit.

A time deposit offering a fixed annual return of up to 14.5%, with a minimum deposit of EGP 1 million and the option to break it at any time after issuance.

User ratings

Quarterly deposit

bdc 4.0
Annual yield 15%
Term 3 mo
Min. deposit EGP 10K
Payout Monthly
Details
Updated Monday 26 October 2026 - 10:59 PM
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Our take 4.0
4.0 Banky rating

Pros

  • Credit facilities secured by the deposit are available.
  • The deposit is renewable.
  • A credit card can be issued against the security of the deposit.

Cons

  • Available to individuals only.

Our take

Banque du Caire’s three-month time deposit offers a 15% interest rate paid monthly, with a minimum deposit of EGP 10,000, allowing customers to earn regular income over a relatively short investment period. The deposit can be renewed at maturity, and customers can choose to transfer the interest or principal to a current or savings account. Loan facilities and credit cards secured by the deposit are also available, subject to the bank’s terms. However, the short tenor may require customers to reinvest their funds at maturity, potentially at different interest rates.

A three-month time deposit offering a 15% interest rate paid monthly, with a minimum deposit of EGP 10,000 and access to renewal and borrowing facilities.

User ratings

Smart Deposit

saib 4.0
Annual yield 14%
Term 3 mo
Min. deposit EGP 150K
Payout Monthly
Details
Updated Sunday 18 October 2026 - 10:30 AM
Banky Analysis
Returns

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Withdrawal & renewal

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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 Quarterly Deposit offers a fixed annual return of up to 14%, with a minimum deposit of EGP 150,000, and is available to individuals and businesses. According to the provided information, interest is paid monthly, providing regular income for customers investing their savings. The deposit can be opened through branches or internet banking within the specified cut-off times and can be broken at any time after issuance, offering flexibility in accessing funds. However, the relatively high minimum deposit may limit accessibility for smaller savers, and the advertised return of up to 14% may not apply to every deposit.

A Smart quarterly time deposit offering a fixed annual return of up to 14%, paid monthly, with a minimum deposit of EGP 150,000 and the option to break it at any time after issuance.

User ratings

Quarterly deposit with monthly returns

bdc 4.0
Annual yield 15.5%
Term 3 mo
Min. deposit EGP 500K
Payout Monthly
Details
Updated Monday 26 October 2026 - 11:48 PM
Banky Analysis
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Our take 4.0
4.0 Banky rating

Pros

  • Provides monthly interest income 15.5%.
  • allows customers to use the deposit as collateral for a credit card or other credit facilities

Cons

  • The minimum deposit is EGP 500,000, making it less suitable for customers with smaller savings.

Our take

Banque du Caire’s monthly deposit offers savers a regular income stream, with an interest rate of 15.5%. Customers can choose to credit the interest or principal to a current or savings account. The deposit also offers renewal flexibility, can be issued jointly or in the names of minors, and can serve as collateral for credit cards and credit facilities. However, it requires a relatively high minimum deposit of EGP 500,000, and issuance and redemption are handled through the bank’s branches.

A monthly deposit offering 15.5% interest, with a minimum of EGP 500,000 and the option to use it as collateral for credit facilities.

User ratings

1- month EGP Interest in advance Time Deposits (TDs)

NXT 4.5
Annual yield 14.75%
Term 1 mo
Min. deposit EGP 500K
Payout Upfront
Details
Updated Monday 19 October 2026 - 10:02 PM
Banky Analysis
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Withdrawal & renewal

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Our take 4.5
4.5 Banky rating

Pros

  • The deposit is available to both individual and corporate customers.
  • The one-month deposit offers a high return.

Cons

  • The rules for early redemption of a one-month deposit: will the total interest be deducted?

Our take

The one-month deposit offered by NXT Bank, with an upfront interest payment, is a short-term savings product targeting both individual and corporate customers, with a minimum deposit amount of EGP 500,000 and an annual interest rate of 14.75%. The product provides customers with the benefit of receiving interest upfront

NXT Bank’s one-month deposit offers individuals and corporates a short-term investment opportunity at an annual interest rate of 14.75%, paid upfront, with a minimum deposit of EGP 500,000

User ratings

Upfront-yield deposits

bdc 4.0
Annual yield 15.4%
Term 1 mo
Min. deposit EGP 1M
Payout Upfront
Details
Updated Sunday 18 October 2026 - 04:25 PM
Banky Analysis
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Withdrawal & renewal

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Our take 4.0
4.0 Banky rating

Pros

  • Interest is paid upfront, providing immediate liquidity and allowing customers to utilize the return from day one.
  • The deposit is renewable.
  • Credit facilities may be obtained.

Cons

  • The minimum deposit requirement is relatively high.
  • 100% of the prepaid interest is deducted if the deposit is redeemed before maturity

Our take

Bank of Cairo's prepaid-interest deposits are well-suited for customers who prefer receiving their returns upfront and utilizing the proceeds immediately. The product offers multiple tenor options and access to credit facilities secured by the deposit, making it an attractive solution for high-liquidity individuals and businesses.

An EGP deposit that pays interest upfront at the start of the term, ideal for customers seeking immediate liquidity.

User ratings

Ahlan Semi-Annual Deposit

saib 4.0
Annual yield 14.5%
Term 6 mo
Min. deposit EGP 1M
Payout Monthly
Details
Updated Sunday 18 October 2026 - 10:21 AM
Banky Analysis
Returns

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Amount & term

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Withdrawal & renewal

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Our take 4.0
4.0 Banky rating

Pros

  • The deposit can be broken at any time after issuance, allowing customers to access their funds without remaining committed to the full investment term.
  • Fixed-term deposits for individual and corporate clients
  • The deposit is issued on the same day the application is submitted

Cons

  • High minimum deposit requirement.

Our take

saib Bank’s Ahla Semi-Annual Deposit offers a fixed annual return of up to 14.5%, with a minimum deposit of EGP 1 million, and is available to both individuals and businesses. It allows customers to invest their funds over a six-month term at a predetermined annual rate. 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 relatively high minimum deposit limits accessibility for smaller savers, and the actual return depends on the rate applied to the deposit, as the advertised rate is up to 14.5%.

A six-month time deposit offering a fixed annual return of up to 14.5%, with a minimum deposit of EGP 1 million and the option to break it at any time after issuance.

User ratings

Semi-annual deposit

bdc 4.0
Annual yield 15.5%
Term 6 mo
Min. deposit EGP 10K
Payout Monthly
Details
Updated Monday 26 October 2026 - 11:02 PM
Banky Analysis
Returns

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Amount & term

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Withdrawal & renewal

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Our take 4.0
4.0 Banky rating

Pros

  • Credit facilities secured by the deposit are available.
  • The deposit is renewable.
  • A credit card can be issued against the security of the deposit.

Cons

  • Available to individuals only.

Our take

Banque du Caire’s six-month time deposit offers a 15.5% interest rate paid monthly, with a minimum deposit of EGP 10,000. It provides regular income while keeping savings invested for a moderate term. Customers can open or redeem the deposit at the bank’s branches, renew it, and choose to transfer the interest or principal to a current or savings account. Credit facilities and credit cards secured by the deposit are also available, subject to the bank’s terms. However, the stated rate may be less attractive to customers seeking higher returns in exchange for committing their funds for longer periods.

A six-month time deposit offering a 15.5% interest rate paid monthly, with a minimum deposit of EGP 10,000 and access to renewal and credit facilities.

User ratings

Smart Deposit

saib 4.0
Annual yield 13.5%
Term 6 mo
Min. deposit EGP 150K
Payout Monthly
Details
Updated Sunday 18 October 2026 - 10:32 AM
Banky Analysis
Returns

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Amount & term

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Withdrawal & renewal

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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 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.

User ratings

Flex Plus Deposit

MISR 4.0
Annual yield 16.5%
Term 6 mo
Min. deposit EGP 100K
Payout Monthly
Details
Updated Friday 09 October 2026 - 04:49 PM
Banky Analysis
Returns

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Withdrawal & renewal

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Our take 4.0
4.0 Banky rating

Pros

  • Option to automatically renew the deposit for additional terms.

Cons

  • The minimum purchase amount is relatively high.

Our take

Banque Misr's 6-month Flex Plus Monthly Deposit is a suitable choice for customers seeking a stable monthly income while benefiting from a competitive fixed return of 16.5% annually. The deposit also offers flexibility through early redemption, automatic renewal, and borrowing against the deposit. However, the relatively high minimum investment of EGP 100,000 may make it more suitable for medium and large savers.

وديعة قصيرة الأجل بعائد ثابت 16.5% يُصرف شهريًا وتوفر مرونة في الاسترداد والتجديد، لكنها تتطلب حدًا أدنى مرتفعًا نسبيًا.

User ratings

3- month EGP Interest in advance Time Deposits (TDs)

NXT 4.5
Annual yield 14.5%
Term 3 mo
Min. deposit EGP 500K
Payout Upfront
Details
Updated Monday 19 October 2026 - 10:02 PM
Banky Analysis
Returns

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Amount & term

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Withdrawal & renewal

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Our take 4.5
4.5 Banky rating

Pros

  • Available to individual and corporate customers.
  • The deposit offers a high return.

Cons

  • Early Redemption Penalty: Total accrued interest will be deducted.

Our take

The 3-month time deposit is available to individual and corporate customers in Egyptian Pounds (EGP), with a minimum deposit amount of EGP 500,000 and an annual interest rate of 14.50%. This deposit provides a short-term investment option, allowing customers to invest their funds for a specified period and benefit from the applicable interest rate throughout the deposit term, subject to the bank’s applicable terms and conditions.

A 3-month time deposit available to individual and corporate customers, with a minimum deposit of EGP 500,000 and an annual interest rate of 14.50%. Terms and conditions apply.

User ratings

Upfront-yield deposits

bdc 4.0
Annual yield 13.75%
Term 3 mo
Min. deposit EGP 1M
Payout Upfront
Details
Updated Sunday 18 October 2026 - 04:26 PM
Banky Analysis
Returns

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Amount & term

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Withdrawal & renewal

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Our take 4.0
4.0 Banky rating

Pros

  • Interest is paid upfront, providing immediate liquidity and allowing customers to utilize the return from day one.
  • The deposit is renewable.
  • Credit facilities may be obtained.

Cons

  • The minimum deposit requirement is relatively high,.
  • 100% of the prepaid interest is deducted if the deposit is redeemed before maturity

Our take

Bank of Cairo's prepaid-interest deposits are well-suited for customers who prefer receiving their returns upfront and utilizing the proceeds immediately. The product offers multiple tenor options and access to credit facilities secured by the deposit, making it an attractive solution for high-liquidity individuals and businesses.

An EGP deposit that pays interest upfront at the start of the term, ideal for customers seeking immediate liquidity.

User ratings