العربية
Islamic

FX Savings Account “SFX”

Abu Dhabi Islamic Bank Egypt · Savings · Islamic · Egyptian Pound · 3.5 · Sunday 09 August 2026 - 08:04 AM

The currency exchange savings account is a banking solution designed for customers who deal in foreign currencies and aim to capitalize on exchange rate fluctuations while managing their savings in available currencies.

Interest rate (Tiered)
7.75% – 12.25%
Min. opening deposit
EGP 40,000
Monthly fee
EGP 0

Returns

Interest type
Tiered
Base rate
7.75%
Max rate
12.25%
Payout
Monthly
Rate tiers
  1. EGP 40,000 – EGP 249,999
    7.75%
    You are here
  2. EGP 250,000 – EGP 499,999
    8.75%
  3. EGP 500,000 – EGP 999,999
    9.75%
  4. EGP 1,000,000 – EGP 2,999,999
    11.25%
  5. ≥ EGP 3,000,000
    12.25%

Balance & withdrawals

Min opening deposit
EGP 40,000
Min balance for interest
EGP 40,000
Overdraft allowed
No

Fees

Opening fee
EGP 0
Monthly fee
EGP 0
Quarterly fee
EGP 125
Below-minimum fee
EGP 125

Features & requirements

ATM card
Yes
Debit card
Yes
Online banking
Yes
Mobile banking
Yes
Joint account
Yes
Minor account
No

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FX Savings Account “SFX”

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Our take 3.5

3.5 Banky rating

Pros

  • The account is subject to the provisions and principles of Islamic Sharia, in accordance with the Sharia-compliant *Mudaraba* arrangement.
  • No account opening fees
  • Flexible withdrawal and deposit capabilities: Providing high liquidity that allows the client to access their funds and generate profit without locking them up for extended periods.
  • It enables rapid currency conversion, capitalizing on foreign exchange (FX) rate differentials, and the management of international transactions.

Cons

  • Risks of currency price fluctuations: The actual value of savings is affected by changes in global and local exchange rates.

Our take

The ADIB-Egypt Foreign Exchange Savings Account (SFX) is a banking solution tailored for customers who deal in foreign currencies and aim to capitalize on exchange rate fluctuations while managing their savings in available currencies. It is an excellent choice for customers with foreign currency income or savings, or those who need to settle external obligations and require a savings account that offers flexibility and ease of foreign currency transactions alongside Sharia-compliant returns. However, it is not recommended for those seeking rapid capital growth and high yields; for individuals primarily focused on maximizing returns, local currency savings vehicles or foreign currency certificates and deposits offer more advantageous investment options.

The currency exchange savings account is a banking solution designed for customers who deal in foreign currencies and aim to capitalize on exchange rate fluctuations while managing their savings in available currencies.

Compare

Alternatives at a glance
FX Savings Account “SFX” Abu Dhabi Islamic Bank Egypt This oneحساب التوفير فيوجن Kuwait Finance House Egypt حساب التوفير الشهري Al Baraka Bank Egypt Al Ghina Abu Dhabi Islamic Bank Egypt
Interest rate (Tiered)
7.75% – 12.25% 7.5% – 17.25% Interest rate6% – 16% Interest rate5% – 16.5%
Min. opening deposit
EGP 40,000 EGP 100,000 EGP 3,000 EGP 250,000
Monthly fee
EGP 0 EGP 0 EGP 0 EGP 30
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Added Sunday 09 August 2026 - 08:01 AM Updated Sunday 09 August 2026 - 08:04 AM