Rate 10% – 12%
Term 2 yrs
Min. deposit EGP 5,000
Added Monday 29 June 2026 - 11:25 AM Updated Monday 27 July 2026 - 06:09 PM
Banky Analysis
Returns
Amount & term
Withdrawal & renewal
Our take 4.0
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.
Rate 16% – 17%
Term 1 yr
Min. deposit EGP 5,000
Added Monday 29 June 2026 - 11:15 AM Updated Wednesday 29 July 2026 - 02:06 PM
Banky Analysis
Returns
Amount & term
Withdrawal & renewal
Our take 4.0
Pros
- One of the highest returns among the available deposit tenors.
- Monthly payouts provide regular income.
Cons
- The rate varies depending on the customer segment.
- Less flexible than short-term deposits.
Our take
The one-year deposit is the most attractive option in the lineup, particularly with returns reaching 17% for Private customers and monthly payouts.
The strongest option for customers seeking a high return combined with monthly income.
Rate 5.25% – 12.25%
Term 6 mo
Min. deposit EGP 0
Added Monday 29 June 2026 - 11:12 AM Updated Monday 27 July 2026 - 06:09 PM
Banky Analysis
Returns
Amount & term
Withdrawal & renewal
Our take 4.0
Pros
- Medium-term tenor offering more flexibility than annual deposits.
- Returns reach up to 12.50%.
Cons
- It may not maximize returns compared with the one-year option.
Our take
It offers a practical middle-ground for customers who want a six-month commitment rather than a full year.
A reasonable medium-term option, although the one-year deposit offers a much stronger return.
Rate 5% – 12%
Term 3 mo
Min. deposit EGP 5,000
Added Monday 29 June 2026 - 11:09 AM Updated Monday 27 July 2026 - 06:09 PM
Banky Analysis
Returns
Amount & term
Withdrawal & renewal
Our take 4.0
Pros
- Returns reach up to 12% for Private customers.
- Suitable for investing funds for a limited period.
Cons
- Returns are lower than the one-year deposit.
Our take
A suitable choice for customers with surplus liquidity for three months who want fixed returns without a long-term commitment.
A decent option for customers seeking fixed returns without a long commitment.
Rate 4.75% – 11.75%
Term 2 mo
Min. deposit EGP 5,000
Added Monday 29 June 2026 - 11:01 AM Updated Monday 27 July 2026 - 06:09 PM
Banky Analysis
Returns
Amount & term
Withdrawal & renewal
Our take 4.0
Pros
- Suitable for customers who do not want to lock their funds for long periods.
- Fixed return
Cons
- Returns are lower than those of annual deposits.
Our take
It provides a balance between a short tenor and fixed returns, but is not the strongest choice for yield-focused customers.
Suitable for short-term savings, but less competitive than the one-year option.
Rate 4.5% – 11.5%
Term Flexible
Min. deposit EGP 5,000
Added Monday 29 June 2026 - 10:57 AM Updated Monday 27 July 2026 - 06:09 PM
Banky Analysis
Returns
Amount & term
Withdrawal & renewal
Our take 4.0
Pros
- Short tenor suitable for customers who need access to their money soon.
- Suitable for short-term liquidity management.
Cons
- The short investment period limits the overall return.
Our take
It suits customers who prioritize flexibility and short-term fixed returns over higher long-term yields.
A reasonable short-term liquidity option, but not ideal for maximizing returns.
Rate 3.75% – 7.75%
Term Flexible
Min. deposit EGP 5,000
Added Monday 29 June 2026 - 10:43 AM Updated Monday 27 July 2026 - 06:09 PM
Banky Analysis
Returns
Amount & term
Withdrawal & renewal
Our take 3.5
Pros
- Short tenor suitable for customers who need access to their money soon.
- Provides a fixed return during the deposit period.
Cons
- The short investment period limits the overall return.
- Returns are significantly lower than the one-year deposit.
Our take
Suitable for very short-term liquidity, but not the best option for maximizing returns
Suitable for very short-term liquidity, but not the best option for maximizing returns.
