العربية

New Golden USD

National Bank of Egypt · Certificates · Egyptian Pound · 4.0 · Monday 27 July 2026 - 06:09 PM

The National Bank of Egypt’s new "Golden Certificate" is a savings option denominated in foreign currencies (US dollars and euros); it differs completely from local certificates denominated in Egyptian pounds.

Yield
4.9%
Term
7 yrs
Min. deposit
EGP 500
Payout
Monthly

Banky Analysis

Suits you if

  • I need monthly income
    • Monthly payout
  • Grow my savings the most
    • Yield higher than average for this term
  • I want a predictable return
    • Fixed return for the whole term

Not for you if

  • Keep my money reachable
    • Longer lock-in

All of this is measured against products of 61+ months in EGP only

Last checked Saturday 01 August 2026 - 11:13 PM

Returns

Yield type
Fixed
Payout
Monthly
Rate tiers
  1. ≥ EGP 500
    4.9%
    You are here

Amount & term

Term
7 yrs
Min deposit
EGP 500

Withdrawal & renewal

Early withdrawal
No
Auto-renew
Yes
Renewal term
Flexible
Available online
Yes
Branch visit required
Yes
National ID required
Yes

Do the maths

New Golden USD

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Our take 4.0

4.0 Banky rating

Pros

  • Protection against currency fluctuations: It offers you the opportunity to hold your savings in hard currency (US Dollars or Euros) while earning a fixed return in the same currency, thereby protecting you against the risk of local currency depreciation.
  • Flexible term selection: The certificate is available with various terms to suit your future plans: 3 years, 5 years, or 7 years.
  • Low minimum purchase requirement: Purchases of the certificate start at 500 USD or EUR (and multiples thereof)—a reasonable minimum compared to other dollar-denominated certificates that require substantial amounts to begin investing.
  • Credit facilities: You can borrow against the certificate from any Al Ahli Bank branch, in accordance with applicable regulations.
  • Stable Return: The return is fixed for the duration of the certificate and is calculated starting from the business day following the date of purchase.

Cons

  • Relatively low yield for the dollar: Yield rates on the dollar-denominated "Golden Certificate" range from 4.75% (for 3 years) to 4.85% (for 5 years) and 4.90% (for 7 years).
  • The certificate cannot be redeemed prior to the expiration of six months from the date of purchase; in the event of early redemption before the term ends, a redemption schedule applies that deducts a portion of the accrued profits.

Our take

The National Bank of Egypt’s new "Golden Certificate" is a savings option denominated in foreign currencies (US dollars and euros); it differs completely from local certificates denominated in Egyptian pounds.

Compare

Alternatives at a glance
New Golden USD National Bank of Egypt This oneFixed certificate QNB EGYPT Platinum Certificate National Bank of Egypt Five-year fixed-rate savings certificates Al Ahli Bank of Kuwait – Egypt
Yield
4.9% 7.5% 12% 13%
Term
7 yrs 4 yrs 3 yrs 5 yrs
Min. deposit
EGP 500 EGP 1,000 EGP 1,000 EGP 1,000
Payout
Monthly Multiple Monthly Monthly
Compare with 3 similar certificates

Added Monday 20 July 2026 - 02:33 PM Updated Monday 27 July 2026 - 06:09 PM