Deposits

Our take

A deposit is a short-term liquidity management tool rather than a long-term investment vehicle. If your goal is a higher return, certificates are the most suitable choice; however, if you prioritize flexibility and quick access to liquidity, a deposit is the better option. Choose a "deposit" in the following situations: If you have temporary surplus funds that you know you will need in the near future (within a week, a month, or a period ranging from a few months to a year) and wish to earn a return on them rather than leaving them in a current account. If you are concerned about locking up your funds and want the ability to withdraw or reclaim them at any time, without having to wait for a six-month period to elapse.

Deposits at the National Bank of Egypt are a short-term liquidity management tool, not a long-term investment instrument.

Our take

SCB’s EGP fixed-term deposits offer returns of up to 17% annually, with monthly payouts over a one-year term, making them an option for customers seeking regular income from their savings. Customers can choose to transfer the monthly return to a current or savings account or add it to the deposit upon request. However, the high minimum deposit of EGP 5 million limits accessibility to customers with substantial savings.

A one-year SCB fixed-term deposit offering returns of up to 17%, paid monthly, with a minimum deposit of EGP 5 million.

Our take

National Bank of Egypt deposits offering various return frequencies represent a safe, traditional choice for those seeking capital preservation alongside regular income; however, their true value depends on how they compare to other market investment alternatives, such as savings certificates or savings accounts. If your goal is long-term investment aimed at maximizing returns, fixed-rate or step-down savings certificates are a more advantageous and profitable option than standard deposits. Conversely, if you prioritize superior flexibility and short-term liquidity—without locking up your funds for extended periods—savings accounts or very short-term deposits may be the most suitable choice for you.

Deposits with varying return frequencies from the National Bank of Egypt are a safe, traditional option for those seeking to preserve capital while earning regular income.

Our take

The one-year deposit is the most attractive option in the lineup, particularly with returns reaching 17% for Private customers and monthly payouts.

The strongest option for customers seeking a high return combined with monthly income.

Our take

Banque Misr's 9-month Flex Plus Monthly Deposit is a suitable option for customers seeking a stable monthly income with a fixed return of 16% throughout the deposit term. It combines a competitive yield with flexibility through early redemption, automatic renewal, and the ability to borrow against the deposit. However, the EGP 100,000 minimum deposit requirement makes it more suitable for medium and high-value savers.

A fixed-return deposit paying 16% monthly with flexible redemption and renewal features, but requiring a relatively high minimum investment.

Our take

The "Platinum Real Estate" deposit is a short-term, balanced investment option for people with medium financial surpluses who want to get regular cash flow. The deposit offers a mix of flexibility and income flow thanks to its short duration and monthly return payments.

Our take

"AlexBank's 'Smart Deposit' offers a short-term investment solution with a fixed monthly return of 17% for 6 months, along with the perk of credit facilities. However, since it requires linking the deposit to a high minimum amount, only those with strong financial standing can really benefit from it."

Our take

The 18-month platinum deposit is an excellent savings option for premium clients who want to earn a regular monthly income over the medium term. It combines duration flexibility with financial security, though its return is relatively lower compared to long-term savings certificates of the same tier.

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.

Our take

Smart Deposits are an excellent choice for individuals or businesses looking to lock in an interest rate for medium-term periods (up to three years) to ensure a known, stable return. They also offer the advantage of flexible payout frequencies—monthly, quarterly, or semi-annually—helping depositors manage their recurring expenses. If you anticipate stable or declining future interest rates and prefer a steady, regular income over several years, this deposit offers an ideal balance between investment duration and flexible payout options.

Enjoy long-term savings deposits featuring competitive fixed interest rates and various payout frequencies.

Our take

The EGP time deposit offered by Al Ahli Bank of Kuwait – Egypt is an investment option for a period of 3 months, offering a monthly interest rate of up to 16%. It provides flexibility in renewal options, with the choice of automatic renewal or renewal at the customer’s discretion. Customers can also obtain a loan secured by the deposit for up to 95% of its value, subject to the bank’s terms and conditions.

The EGP time deposit offered by Al Ahli Bank of Kuwait – Egypt has a 3-month term and a monthly interest rate of up to 16%, with flexible renewal options and loans of up to 95% of the deposit value

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.