Question 1

What is the highest savings certificate rate in Egypt for April 2026?

Accepted Answer

The highest annual rate offered on Egyptian bank savings certificates during April 2026 is 21.5%, currently available from National Bank of Egypt.

Question 2

Is the return on savings certificates taxable in Egypt?

Accepted Answer

Yes, returns are subject to a 20% withholding tax on interest from deposits and savings certificates under current Egyptian tax law.

Question 3

What's the difference between monthly and annual payout?

Accepted Answer

Monthly payout offers a lower rate but provides steady monthly income, while annual payout compounds and pays once a year at a higher rate.

Question 4

Can I break the certificate before maturity?

Accepted Answer

Yes, after at least 6 months from purchase. However, you may lose part of the return or receive a reduced rate for the actual deposit period.

Bank	Certificate Type	Rate %	Min Amount	Payout	Duration
National Bank of Egypt	Platinum Fixed 3-Year Certificate	20.5%	EGP 1,000	Monthly	3 Years
National Bank of Egypt	Platinum Variable Annual Certificate	21.5%	EGP 1,000	Quarterly	1 Year
National Bank of Egypt	5-Year Savings Certificate	16%	EGP 1,000	Monthly	5 Years
Banque Misr	Talaat Harb Fixed 3-Year Certificate	20.5%	EGP 1,000	Monthly	3 Years
Banque Misr	Variable Savings Certificate	21.5%	EGP 1,000	Quarterly	1 Year
CIB	Fixed 3-Year Certificate	18%	EGP 50,000	Monthly	3 Years
CIB	Prime Variable Certificate	20%	EGP 50,000	Quarterly	1 Year
QNB Alahli	Fixed 3-Year Certificate	18.25%	EGP 10,000	Monthly	3 Years
Arab African International Bank	Fixed 3-Year Certificate	18%	EGP 25,000	Monthly	3 Years
Arab African International Bank	Variable Savings Certificate	20.5%	EGP 25,000	Quarterly	1 Year

Egypt Savings Certificate Rates April 2026 — Up to 21.5%

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