National Bank of Egypt savings certificates — rates today
The highest first-year rate on a National Bank of Egypt certificate is 22% (Platinum certificate — stepped, annual payout, stepping down in years two and three); the highest fixed rate is 17.85% on the 3-year Platinum certificate. Rates as published on the bank's website on 26 September 2026.
Verified on the bank's website on 26 September 2026
National Bank of Egypt
| Certificate | Annual rate | Term | Payout | Minimum |
|---|---|---|---|---|
| Platinum certificate — variable return3 years · Monthly | 19.5%Variable | 3 years | Monthly | 1,000+ |
| Platinum certificate — stepped, annual payout3 years · Annual | 22% → 17.5% → 13%Stepped | 3 years | Annual | 1,000+ |
| Platinum certificate — stepped, monthly payout3 years · Monthly | 21% → 16.25% → 12%Stepped | 3 years | Monthly | 1,000+ |
| Platinum certificate — 3 years fixed3 years · Monthly / Quarterly | 17.75%Monthly 17.85%Quarterly | 3 years | Monthly / Quarterly | 1,000+ |
| Five-year certificate — monthly payout5 years · Monthly | 14.25% | 5 years | Monthly | 1,000+ |
| Aman Al-Masreyeen certificate3 years · Annual | 13% | 3 years | Annual | 500–2,500 |
Calculate your certificate return
- Per payout (Monthly)
- 1,625
- Total return over the term
- 58,500
- Average annual rate
- 19.50%
CBE deposit rate 19% · After inflation (14.5%): a real return of about +5.00 percentage points a year
Certificates or money-market funds?
A certificate locks a rate and ties money up for a fixed term. Money-market funds track rates (the deposit rate is 19% today) and can be redeemed on any business day, but their yield moves with each decision. Compare before deciding:
Frequently asked questions
- What is the best NBE certificate now?
- The highest first-year rate is 22% on the Platinum certificate — stepped, annual payout, which steps down afterwards. The highest fixed rate is 17.85% on the 3-year Platinum certificate.
- What does the NBE five-year certificate pay?
- The five-year monthly certificate pays 14.25% a year, monthly, for five years.
- What is the Aman Al-Masreyeen certificate?
- A 3-year certificate sold in EGP 500 units up to EGP 2,500, paying 13%.
- Do certificates pay more than the CBE rate?
- The CBE overnight deposit rate is 19%. Some stepped certificates start above it in year one and then fall; long fixed certificates usually pay less.
How it is calculated
- 01Rates are transcribed from the certificates page of the National Bank of Egypt's official website on the stated verification date.
- 02The calculator computes simple interest with no reinvestment: amount × annual rate ÷ payouts per year.
- 03If the CBE announces a rate decision after the verification date, a warning appears automatically.
- 04Full terms (early redemption, loans against the certificate) are set by the bank.