Golden Saving Account plus — Arab African International Bank | Banky

Editor-in-Chief Mohamed Salah

ع

Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Golden Saving Account plus

Arab African International Bank · Savings · Egyptian Pound · 4.5 · Saturday 08 August 2026 - 01:53 PM

Golden Plus savings account is a good option for individuals with high liquidity.

Interest rate
11.25% – 16.75%
Min. opening deposit
EGP 50K
Monthly fee
EGP 50

Banky Analysis

Suits you if

  • I want an account with banking features
    • More banking features than average

Not for you if

  • Grow my savings the most
    • Net yield after fees higher than average
  • I want to start with a small amount

All of this is measured against products in EGP only

Last checked Monday 02 November 2026 - 04:02 PM

Returns

Interest type
Fixed
Base rate
11.25%
Max rate
16.75%
Payout
Multiple
Rate tiers
  1. EGP 50,000 – EGP 499,999 Compounded monthly
    11.25%
  2. EGP 50,000 – EGP 499,999 Compounded quarterly
    11.4%
  3. EGP 50,000 – EGP 499,999 Compounded semi-annually
    11.55%
  4. EGP 50,000 – EGP 499,999 Compounded annually
    11.75%
  5. EGP 500,000 – EGP 999,999 Compounded monthly
    13.5%
  6. EGP 500,000 – EGP 999,999 Compounded quarterly
    13.65%
  7. EGP 500,000 – EGP 999,999 Compounded semi-annually
    13.8%
  8. EGP 500,000 – EGP 999,999 Compounded annually
    14%
  9. EGP 1,000,000 – EGP 4,999,999 Compounded monthly
    14.75%
  10. EGP 1,000,000 – EGP 4,999,999 Compounded quarterly
    14.9%
  11. EGP 1,000,000 – EGP 4,999,999 Compounded semi-annually
    15.05%
  12. EGP 1,000,000 – EGP 4,999,999 Compounded annually
    15.25%
  13. EGP 5,000,000 – EGP 9,999,999 Compounded monthly
    15.5%
  14. EGP 5,000,000 – EGP 9,999,999 Compounded quarterly
    15.65%
  15. EGP 5,000,000 – EGP 9,999,999 Compounded semi-annually
    15.8%
  16. EGP 5,000,000 – EGP 9,999,999 Compounded annually
    16%
  17. EGP 10,000,000 – EGP 19,999,999 Compounded monthly
    15.75%
  18. EGP 10,000,000 – EGP 19,999,999 Compounded quarterly
    15.9%
  19. EGP 10,000,000 – EGP 19,999,999 Compounded semi-annually
    16.05%
  20. EGP 10,000,000 – EGP 19,999,999 Compounded annually
    16.25%
  21. ≥ EGP 20,000,000 Compounded monthly
    16.25%
  22. ≥ EGP 20,000,000 Compounded quarterly
    16.4%
  23. ≥ EGP 20,000,000 Compounded semi-annually
    16.55%
  24. ≥ EGP 20,000,000 Compounded annually
    16.75%

Balance & withdrawals

Min opening deposit
EGP 50,000
Min balance for interest
EGP 50,000
Max withdrawals/mo
100000
Overdraft allowed
No

Fees

Opening fee
EGP 150
Monthly fee
EGP 50
Quarterly fee
EGP 150
Below-minimum fee
EGP 100

Features & requirements

Debit card
Yes
Online banking
Yes
Mobile banking
Yes
Joint account
No
Minor account
No
For women
No
For pensioners
No

Do the maths

Golden Saving Account plus

See how regular monthly deposits grow your balance over time.

Enter values to see the result.

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

Our take 4.5

4.5 Banky rating

Pros

  • Interest-bearing savings account with the flexibility to choose the return payout frequency.
  • Ability to obtain credit facilities
  • The account is available in Egyptian pounds as well as foreign currencies (US Dollar, British Pound, and Euro).
  • Option to issue a debit card and use online and mobile banking services as well as ATMs (for transfers, deposits, bill payments, etc.).

Cons

  • High minimum requirement to open an account: The minimum amount to open an account is 20,000 pounds.
  • Calculation of return based on the lowest monthly balance: The return is calculated based on the lowest balance recorded in the account during the month, rather than the daily balance.
  • Low returns for initial tiers: Lower tiers (below 100,000 pounds) offer relatively low rates of return.
  • For individuals only: The account cannot be opened in the name of companies or institutions.

Our take

Golden Savings Account is a suitable option for individuals with available funds (exceeding EGP 100,000) who wish to save while maintaining easy access to their money, utilizing daily banking services, and earning a regular periodic return. To maximize the account's benefits, it is advisable to maintain a stable balance throughout the month—avoiding sudden withdrawals—to ensure the "minimum monthly balance" does not drop; however, if the priority is maximizing returns rather than requiring daily liquidity, savings certificates or time deposits might prove to be more profitable options.

Golden Plus savings account is a good option for individuals with high liquidity.

Compare

Alternatives at a glance
Golden Saving Account plus Arab African International Bank This one Super Daily Plus Savings Account bank nxt MID Prime Saving Account MID BANK Mega Saving Account banque du caire
Interest rate
11.25% – 16.75% 11% – 15.25% 11% – 17.75% 11% – 18.5%
Min. opening deposit
EGP 50K EGP 5,000 EGP 5,000 EGP 5,000
Monthly fee
EGP 50 EGP 100 EGP 0 EGP 0
Compare with 3 similar savings

Added Tuesday 04 August 2026 - 01:51 PM Updated Saturday 10 October 2026 - 05:35 PM