العربية

الوديعة سنتين

البنك التجاري الدولي-CIB · Deposits · Egyptian Pound · 4.0 · Monday 27 July 2026 - 06:09 PM

he two-year deposit offers long-term income stability, but the one-year option is more attractive in terms of yield.

Rate
10% – 12%
Term
2 yrs
Min. deposit
EGP 5,000

Banky Analysis

Suits you if

  • I need monthly income
    • Pays out more frequently
  • I want a predictable return
    • Fixed, unchanging return

Not for you if

  • Grow my savings the most
    • Yield lower than average for this term
  • Keep my money reachable
    • Pays out more frequently
  • I may need to break early

All of this is measured against products of up to 24 months in EGP only

Last checked Saturday 01 August 2026 - 11:13 PM

Returns

Rate type
Fixed
Payout
Monthly
Rate tiers
  1. ≥ EGP 5,000 24 MonthsPrime
    10%
    You are here
  2. ≥ EGP 5,000 24 MonthsPlus
    10.5%
  3. ≥ EGP 5,000 24 MonthsWealth
    11%
  4. ≥ EGP 5,000 24 MonthsExclusive Wealth
    11.5%
  5. ≥ EGP 5,000 24 MonthsPrivate Banking
    12%

Amount & term

Deposit type
Time Deposit
Term
24 Months
Min deposit
EGP 5,000
Negotiable
No

Withdrawal & renewal

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

Do the maths

الوديعة سنتين

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Our take 4.0

4.0 Banky rating

Pros

  • Monthly return payout.
  • Suitable for customers who prefer stable returns over a longer period.

Cons

  • Returns are lower than the one-year deposit despite the longer tenor.
  • Not the best option for customers who can commit for only one year.

Our take

Despite its monthly income feature, the two-year deposit offers weaker value for the longer commitment compared with the one-year option.

he two-year deposit offers long-term income stability, but the one-year option is more attractive in terms of yield.

Compare

Alternatives at a glance
الوديعة سنتين البنك التجاري الدولي-CIB This oneShort Term Deposit BANQUE MISR Digital monthly deposit QNB EGYPT Fixed Deposits in Egyptian Pounds SUEZ CANAL BANK
Rate
10% – 12% 10% 10% 11.25%
Term
2 yrs Flexible Flexible 1 mo
Min. deposit
EGP 5,000 EGP 1,000 EGP 5,000 EGP 5,000,000
Compare with 3 similar deposits

Added Monday 29 June 2026 - 11:25 AM Updated Monday 27 July 2026 - 06:09 PM