Saving Account — 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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Saving Account

National Bank of Egypt · Savings · Egyptian Pound · 4.0 · Saturday 10 October 2026 - 03:17 PM

It is an excellent and suitable option for those wishing to maintain emergency cash liquidity or accessible funds for ongoing needs, without tying them up for long periods.

Interest rate
7.5% – 11.5%
Min. opening deposit
EGP 5,000
Monthly fee
EGP 30

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 lower 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
7.5%
Max rate
11.5%
Payout
Multiple
Rate tiers
  1. EGP 10,001 – EGP 100,000 Compounded monthly
    7.5%
  2. EGP 10,001 – EGP 100,000 Compounded quarterly
    7.55%
  3. EGP 10,001 – EGP 100,000 Compounded semi-annually
    7.6%
  4. EGP 10,001 – EGP 100,000 Compounded annually
    7.7%
  5. EGP 100,001 – EGP 500,000 Compounded monthly
    7.75%
  6. EGP 100,001 – EGP 500,000 Compounded quarterly
    7.85%
  7. EGP 100,001 – EGP 500,000 Compounded semi-annually
    7.9%
  8. EGP 100,001 – EGP 500,000 Compounded annually
    8%
  9. EGP 500,001 – EGP 2,000,000 Compounded monthly
    8.5%
  10. EGP 500,001 – EGP 2,000,000 Compounded quarterly
    8.6%
  11. EGP 500,001 – EGP 2,000,000 Compounded semi-annually
    8.75%
  12. EGP 500,001 – EGP 2,000,000 Compounded annually
    9%
  13. EGP 2,000,001 – EGP 5,000,000 Compounded monthly
    9.3%
  14. EGP 2,000,001 – EGP 5,000,000 Compounded quarterly
    9.35%
  15. EGP 2,000,001 – EGP 5,000,000 Compounded semi-annually
    9.4%
  16. EGP 2,000,001 – EGP 5,000,000 Compounded annually
    9.5%
  17. EGP 5,000,001 – EGP 10,000,000 Compounded monthly
    10.3%
  18. EGP 5,000,001 – EGP 10,000,000 Compounded quarterly
    10.35%
  19. EGP 5,000,001 – EGP 10,000,000 Compounded semi-annually
    10.4%
  20. EGP 10,000,001 – EGP 20,000,000 Compounded monthly
    10.8%
  21. EGP 10,000,001 – EGP 20,000,000 Compounded quarterly
    10.85%
  22. EGP 10,000,001 – EGP 20,000,000 Compounded semi-annually
    10.9%
  23. EGP 10,000,001 – EGP 20,000,000 Compounded annually
    11%
  24. ≥ EGP 20,000,001 Compounded monthly
    11.3%
  25. ≥ EGP 20,000,001 Compounded quarterly
    11.35%
  26. ≥ EGP 20,000,001 Compounded semi-annually
    11.4%
  27. ≥ EGP 20,000,001 Compounded annually
    11.5%

Balance & withdrawals

Min opening deposit
EGP 5,000
Min balance for interest
EGP 10,001
Max withdrawals/mo
100000
Overdraft allowed
No

Fees

Opening fee
EGP 100
Monthly fee
EGP 30
Quarterly fee
EGP 125
Below-minimum fee
EGP 30

Features & requirements

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

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Saving Account

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

Our take 4.0

4.0 Banky rating

Pros

  • High flexibility: Allows for the easy withdrawal and deposit of funds at any time, without the restrictions imposed by long-term savings certificates.
  • It gives you the freedom to choose the return frequency (monthly, quarterly, semi-annually, or annually).
  • Full account management via online banking services and the mobile app, with the option of a waiver on account opening fees when applying online.
  • Available to Egyptians, foreigners, and minors (under guardianship or trusteeship).
  • Issuance of a debit card for withdrawals and purchases, and the option to open a joint account.

Cons

  • Interest is calculated based on the lowest credit balance during the month.
  • Limited, tiered, and competitive return
  • Maintaining a balance exceeding 10,000 pounds is required for the calculation of returns to actually begin.

Our take

It is an excellent and suitable choice for those wishing to maintain emergency liquidity or accessible funds for ongoing needs—without locking them away for long periods—while still earning a reasonable return compared to standard current accounts, which offer no profit. However, if your goal is long-term investment and pure saving, options such as savings certificates or specialized accounts (like the "AlAhli Extra Savings" account, which offers higher returns based on tiered balances) would be more advantageous and profitable than a traditional savings account.

It is an excellent and suitable option for those wishing to maintain emergency cash liquidity or accessible funds for ongoing needs, without tying them up for long periods.

Compare

Alternatives at a glance
Saving Account National Bank of Egypt This one Annually Saving Plus Account bank nxt Wafa Premium Account Attijariwafa bank Egypt star the united bank
Interest rate
7.5% – 11.5% 8% 9% – 17.75% 10% – 13.25%
Min. opening deposit
EGP 5,000 EGP 5,000 EGP 20K EGP 100K
Monthly fee
EGP 30 EGP 100 EGP 50 EGP 40
Compare with 3 similar savings

Added Saturday 09 May 2026 - 12:14 PM Updated Tuesday 27 October 2026 - 12:00 PM