Al Mostakabal Saving — National Bank of Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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Al Mostakabal Saving

National Bank of Egypt · Savings · Egyptian Pound · 3.4 · Monday 13 July 2026 - 02:11 PM

Al Mostakabal Saving is an excellent and highly practical option for young people, students, or those with small savings.

Interest rate
7.5% – 7.75%
Min. opening deposit
EGP 0
Monthly fee
EGP 0

Banky Analysis

Suits you if

  • I want to start with a small amount
  • 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 lower than average

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
7.5%
Max rate
7.75%
Payout
Multiple
Rate tiers
  1. EGP 3,001 – EGP 100,000 Compounded monthly
    7.25%
  2. EGP 3,001 – EGP 100,000 Compounded quarterly
    7.3%
  3. EGP 3,001 – EGP 100,000 Compounded semi-annually
    7.35%
  4. EGP 3,001 – EGP 100,000 Compounded annually
    7.45%
  5. EGP 100,001 – EGP 1,000,000 Compounded monthly
    7.5%
  6. EGP 100,001 – EGP 1,000,000 Compounded quarterly
    7.6%
  7. EGP 100,001 – EGP 1,000,000 Compounded semi-annually
    7.65%
  8. EGP 100,001 – EGP 1,000,000 Compounded annually
    7.75%

Balance & withdrawals

Min opening deposit
EGP 0
Min balance for interest
EGP 3,001
Max withdrawals/mo
300000
Overdraft allowed
No

Fees

Opening fee
EGP 0
Monthly fee
EGP 0
Quarterly fee
EGP 125
Below-minimum fee
EGP 0

Features & requirements

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

Do the maths

Al Mostakabal Saving

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 3.4

3.4 Banky rating

Pros

  • Account opening fees: Free
  • Administrative fees: Free of charge
  • No minimum balance to open the account: You can open the account with any amount (even 0 EGP), making it accessible to everyone and easy to get started.
  • Age flexibility: Available to young people and customers starting from age 15, with no maximum age limit at the time of account opening.
  • Issuance of the "Phone Cash" wallet, with no issuance or annual fees for the first year, and the option to purchase investment certificates directly from the account.

Cons

  • Relatively low return
  • No interest will be calculated unless the account balance exceeds 3,000 EGP.
  • Maximum account balance: The total account balance cannot exceed EGP 1 million.

Our take

Al Mostakabal Saving is an excellent and highly practical option for young people, students, and small savers seeking a flexible, low-cost (or no-cost) banking solution to deposit and manage their funds electronically. However, if your primary goal is to invest large sums or generate substantial returns, this account is not suitable for you due to low yields, as well as restrictions on withdrawals and maximum balance limits. In such cases, it is preferable to opt for savings certificates or standard savings accounts that offer higher-tier interest rates.

Al Mostakabal Saving is an excellent and highly practical option for young people, students, or those with small savings.

Compare

Alternatives at a glance
Al Mostakabal Saving National Bank of Egypt This one Saving Account National Bank of Egypt Annually Saving Plus Account bank nxt Wafa Premium Account Attijariwafa bank Egypt
Interest rate
7.5% – 7.75% 7.5% – 11.5% 8% 9% – 17.75%
Min. opening deposit
EGP 0 EGP 5,000 EGP 5,000 EGP 20K
Monthly fee
EGP 0 EGP 30 EGP 100 EGP 50
Compare with 3 similar savings

Added Monday 13 July 2026 - 02:02 PM Updated Saturday 10 October 2026 - 03:23 PM