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Multi frequencies time deposits

National Bank of Egypt · Deposits · Egyptian Pound · 4.0 · Sunday 09 August 2026 - 08:49 AM

Deposits at the National Bank of Egypt are a short-term liquidity management tool, not a long-term investment instrument.

Rate
9.1% – 15.5%
Term
7 yrs
Min. deposit
EGP 1,000

Returns

Rate type
Fixed
Payout
Multiple
Rate tiers
  1. ≥ EGP 1,000 1 YearsMonthly
    14.5%
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  2. ≥ EGP 1,000 1 YearsQuarterly
    15%
  3. ≥ EGP 1,000 1 YearsSemi-Annually
    15.25%
  4. ≥ EGP 1,000 1 YearsAnnually
    15.5%
  5. ≥ EGP 1,000 2 YearsMonthly
    12.75%
  6. ≥ EGP 1,000 2 YearsQuarterly
    12.9%
  7. ≥ EGP 1,000 2 YearsSemi-Annually
    13.1%
  8. ≥ EGP 1,000 2 YearsAnnually
    13.5%
  9. ≥ EGP 1,000 3 YearsMonthly
    12.3%
  10. ≥ EGP 1,000 3 YearsQuarterly
    12.4%
  11. ≥ EGP 1,000 3 YearsSemi-Annually
    12.6%
  12. ≥ EGP 1,000 3 YearsAnnually
    13%
  13. ≥ EGP 1,000 4 YearsMonthly
    9.34%
  14. ≥ EGP 1,000 4 YearsQuarterly
    9.35%
  15. ≥ EGP 1,000 4 YearsSemi-Annually
    9.38%
  16. ≥ EGP 1,000 4 YearsAnnually
    9.5%
  17. ≥ EGP 1,000 5 YearsMonthly
    9.1%
  18. ≥ EGP 1,000 5 YearsQuarterly
    9.11%
  19. ≥ EGP 1,000 5 YearsSemi-Annually
    9.14%
  20. ≥ EGP 1,000 5 YearsAnnually
    9.25%
  21. ≥ EGP 1,000 6 YearsMonthly
    9.1%
  22. ≥ EGP 1,000 6 YearsQuarterly
    9.11%
  23. ≥ EGP 1,000 6 YearsSemi-Annually
    9.14%
  24. ≥ EGP 1,000 6 YearsAnnually
    9.25%
  25. ≥ EGP 1,000 7 YearsMonthly
    9.1%
  26. ≥ EGP 1,000 7 YearsQuarterly
    9.11%
  27. ≥ EGP 1,000 7 YearsSemi-Annually
    9.14%
  28. ≥ EGP 1,000 7 YearsAnnually
    9.25%

Amount & term

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

Withdrawal & renewal

Early withdrawal
Yes
Auto-renew
Yes
Renewal rate type
Prevailing
Usable as collateral
Yes
Available online
Yes
Branch visit required
Yes

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Multi frequencies time deposits

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Our take 4.0

4.0 Banky rating

Pros

  • It is possible to borrow against it in accordance with applicable rules.
  • You can invest for the long term with the flexibility to choose the return frequency.
  • It may be redeemed prior to the end of the term, in accordance with the rules and conditions announced by the bank.
  • Low minimum amount to open the deposit: starts at just EGP 1,000.

Cons

  • Lower interest yield compared to certificates: The interest rate on deposits is significantly lower than that of the savings certificates offered by the bank.
  • Diminishing returns with longer terms: For long-term deposits (ranging from 4 to 7 years or more), the annual return rate is lower compared to shorter terms (one or two years).
  • Loss of interest upon early withdrawal: Although the deposit can be redeemed at any time, withdrawing it before maturity results in a recalculation of the return or the deduction of a portion of it as an early withdrawal penalty.

Our take

A deposit is a short-term liquidity management tool rather than a long-term investment vehicle. If your goal is a higher return, certificates are the most suitable choice; however, if you prioritize flexibility and quick access to liquidity, a deposit is the better option. Choose a "deposit" in the following situations: If you have temporary surplus funds that you know you will need in the near future (within a week, a month, or a period ranging from a few months to a year) and wish to earn a return on them rather than leaving them in a current account. If you are concerned about locking up your funds and want the ability to withdraw or reclaim them at any time, without having to wait for a six-month period to elapse.

Deposits at the National Bank of Egypt are a short-term liquidity management tool, not a long-term investment instrument.

Compare

Alternatives at a glance
Multi frequencies time deposits National Bank of Egypt This oneDigital weekly deposit QNB EGYPT Short Term Deposit BANQUE MISR الوديعة سنتين البنك التجاري الدولي-CIB
Rate
9.1% – 15.5% 9.5% 10% 10% – 12%
Term
7 yrs Flexible Flexible 2 yrs
Min. deposit
EGP 1,000 EGP 100,000 EGP 1,000 EGP 5,000
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Added Sunday 09 August 2026 - 08:34 AM Updated Sunday 09 August 2026 - 08:49 AM