Fixed certificate
- Yield
- 22%
- Term
- 3 yrs
- Min. deposit
- EGP 1,000
- Payout
- Multiple
Banky Analysis
2.0/5
Suits you if
- I need monthly income
- Several payout options
- I want a predictable return
- Fixed return for the whole term
- Keep my money reachable
- Several payout options
Not for you if
- Grow my savings the most
- Yield lower than average for this term
All of this is measured against products of 25–36 months in EGP only
Last checked Saturday 01 August 2026 - 11:13 PM
Returns
- Yield type
- Fixed
- Payout
- Multiple
- Any amount19.5%You are here
- Any amount22%
- Any amount15.5%
- Any amount17%
- Any amount11.5%
- Any amount12%
Rate tiers
Amount & term
- Term
- 3 yrs
- Min deposit
- EGP 1,000
Withdrawal & renewal
- Early withdrawal
- Yes
- Auto-renew
- Yes
- Renewal term
- 3 yrs
- Available online
- Yes
- Branch visit required
- Yes
- National ID required
- Yes
Do the maths
Our take
Our take
The 3-Year Step-Up Certificate is designed for investors seeking higher returns in the early years, offering fixed returns of up to 22% annually with annual payouts or 19.5% in the first year with monthly payouts. Starting from just EGP 1,000, it also provides financing of up to 90% of the certificate value.
Compare
| Fixed certificate the united bank This one | Platinum Certificate National Bank of Egypt | Fixed certificate QNB EGYPT | Five-year fixed-rate savings certificates Al Ahli Bank of Kuwait – Egypt |
|---|---|---|---|
| Yield | |||
| 22% | 12% | 11% | 13% |
| Term | |||
| 3 yrs | 3 yrs | 10 yrs | 5 yrs |
| Min. deposit | |||
| EGP 1,000 | EGP 1,000 | EGP 1,000 | EGP 1,000 |
| Payout | |||
| Multiple | Monthly | Monthly | Monthly |
Added Tuesday 14 July 2026 - 10:22 AM Updated Monday 27 July 2026 - 06:09 PM