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Time deposits

Agricultural Bank of Egypt · Deposits · Egyptian Pound · 4.0 · Sunday 09 August 2026 - 08:29 AM

Deposits at the Agricultural Bank of Egypt are considered a traditional savings solution characterized by flexibility and a variety of available maturities.

Effective annual yield
2.84% – 8.25%
Term
3 yrs
Min. deposit
EGP 1,000

Returns

Rate type
Fixed
Payout
At Maturity
Rate tiers
  1. ≥ EGP 1,000 1 Months
    7.75%
    You are here
  2. ≥ EGP 1,000 1 Years
    8.25%
  3. ≥ EGP 1,000 2 Months
    7.75%
  4. ≥ EGP 1,000 2 Years
    4.16% 8.5% nominal
  5. ≥ EGP 1,000 3 Months
    8%
  6. ≥ EGP 1,000 3 Years
    2.84% 8.75% nominal
  7. ≥ EGP 1,000 6 Months
    8.25%
  8. ≥ EGP 100,000 7 Days
    4.25%
  9. ≥ EGP 100,000 15 Days
    5.25%

Amount & term

Deposit type
Time Deposit
Term
36 Months
Min deposit
EGP 1,000
Negotiable
No

Withdrawal & renewal

Early withdrawal
No
Auto-renew
Yes
Renewal rate type
Prevailing
Usable as collateral
Yes
Available online
No
Branch visit required
Yes

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Time deposits

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Our take 4.0

4.0 Banky rating

Pros

  • Flexibility in terms and minimums: Time deposit terms range from 7 days to 3 years.
  • The bank allows borrowing or obtaining credit cards secured by the deposit, up to 80%–85% of its value.
  • Tax Exemption: Returns earned on deposits are exempt from taxes.

Cons

  • Low interest rates on short-term deposits: Yields on time deposits (with terms of less than one year) are relatively low compared to high-yield accounts or certificates of deposit.
  • A relatively high minimum threshold for placing the deposit.

Our take

Products offered by the Agricultural Bank of Egypt represent a safe and convenient option for savers who prefer dealing with local branches in regional centers and provinces. They offer optimal financial returns, with short-term deposits catering to those who wish to lock up liquidity for brief periods—ranging from one to six months—without committing to long-term withdrawal restrictions. While deposits at the Agricultural Bank of Egypt offer a traditional savings solution characterized by flexibility and a variety of available terms, they are generally classified as tools for short-term liquidity management rather than instruments for long-term investment.

Deposits at the Agricultural Bank of Egypt are considered a traditional savings solution characterized by flexibility and a variety of available maturities.

Compare

Alternatives at a glance
Time deposits Agricultural Bank of Egypt This oneWeekly deposit البنك التجاري الدولي-CIB Prepaid Interest Deposit Egbank The annual deposit with monthly interest Credit Agricole Egypt
Effective annual yield
2.84% – 8.25% 3.75% – 7.75% Rate4.75% – 5.23% Rate5.5% Rate
Term
3 yrs Flexible 1 mo 1 yr
Min. deposit
EGP 1,000 EGP 5,000 EGP 0 EGP 5,000
Compare with 3 similar deposits

Added Sunday 09 August 2026 - 08:17 AM Updated Sunday 09 August 2026 - 08:29 AM