Certificate “B”
تُعد شهادة استثمار ' ب ' من البنك الأهلي المصري خياراً ادخارياً مختلفاً تماماً عن شهادة (أ)؛ فهي تركز على المدد القصيرة والعائد الدوري المنتظم. تتوفر الشهادة بمدد مختلفة أبرزها الشهادة ذات السنة الواحدة بخصائص محددة.
- Yield
- 15%
- Term
- 1 yr
- Min. deposit
- EGP 500
- Payout
- Multiple
Banky Analysis
1.7/5
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
- Shorter lock-in
Not for you if
- Grow my savings the most
- Yield lower than average for this term
What's good
- Shorter lock-in
All of this is measured against products of up to 12 months in EGP only
Last checked Saturday 01 August 2026 - 11:13 PM
Returns
- Yield type
- Fixed
- Payout
- Multiple
- ≥ EGP 50014%You are here
- ≥ EGP 50015%
Rate tiers
Amount & term
- Term
- 1 yr
- 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
Our take
Pros
- All Certificates are nominal. They may not be traded, endorsed, transferred, discounted, pledged to third parties or disposed of in any form with a view to transferring ownership.
- Certificates can be issued by way of a gift or donation according to conditions to be signed in this respect.
- Certificates and the relevant interests are exempted from all kinds of taxes and stamp duties.
- The term of the Certificate is one year starting from the next business day following the purchase date. The Certificate is automatically renewed on maturity date unless it is redeemed or except as otherwise instructed.
- Each Certificate yields a periodic monthly interest which is fixed throughout its term, as per the rate prevailing on the certificate issuance date. Interest is calculated as of the next business day following the purchase date and is paid on its due date.
- Interest can be cashed via ATMs spread all over the country around the clock, 7 days a week.
Cons
- The fixed annual return rate for the one-year certificate is 14%. Although this rate is superior to that of Certificate (A) in terms of payout frequency, it is considered low when compared to current inflation rates and other savings instruments available in the Egyptian market.
Compare
| Certificate “B” National Bank of Egypt This one | Primo Certificate with Tiered Returns banque du caire | شهادات ادخار ٤ سنوات Emirates NBD | Platinum Variable Interest Certificate National Bank of Egypt |
|---|---|---|---|
| Yield | |||
| 15% | 14% | 13.5% | 19.5% |
| Term | |||
| 1 yr | 3 yrs | 4 yrs | 3 yrs |
| Min. deposit | |||
| EGP 500 | EGP 1,000,000 | EGP 100,000 | EGP 1,000 |
| Payout | |||
| Multiple | Quarterly | Monthly | Monthly |
Added Monday 20 July 2026 - 01:59 PM Updated Monday 27 July 2026 - 06:09 PM