Cairo, Egypt – June 7, 2025 – Egyptian banks are currently offering savings certificates with a leading annual return of 18.5%, providing a considerable monthly income for investors over a three-year term. This rate represents the highest currently available in the Egyptian banking sector, according to reports from Youm7.
Demand for these certificates is surging as Egyptians seek stable, fixed monthly income streams, bolstering the national savings culture and increasing deposits within the Egyptian banking system. This trend is particularly relevant given recent economic conditions and the desire for secure financial instruments.
Such as, a 100,000 Egyptian pound investment in a certificate yielding 18.5% annually will generate a consistent monthly return of 1,541 Egyptian pounds over the 36-month investment period.
the National Bank of Egypt (Banque Misr) is a key provider of these high-yield savings certificates, specifically offering a three-year certificate with a fixed monthly payout. banque Misr’s offering is designed to attract long-term savings and provide financial security for its customers.
The 18.5% rate is currently the highest fixed rate available, with Banque Misr offering the product for a duration of 36 months. Savings certificates in Egypt offer both fixed and variable return options,with variable rates tied to the interest rate policies set by the Central Bank of Egypt (CBE).
These certificates appeal to individuals seeking to supplement their income, providing a reliable financial boost alongside salaries or pensions. The CBE actively utilizes interest rate adjustments as a monetary policy tool to manage inflation, lowering rates when inflation decreases and raising them when prices rise.
The CBE’s current monetary policy focuses on controlling inflation, which has been a notable concern for Egyptian consumers. By adjusting interest rates, the CBE aims to stabilize prices and maintain economic stability. The availability of attractive savings certificate rates is a direct outcome of these policies.
Context: Savings Certificates in Egypt – Savings certificates have long been a popular investment vehicle in Egypt, offering a secure and accessible way for citizens to save and earn interest. The government often promotes these certificates as a means of encouraging domestic savings and reducing reliance on foreign debt. The rates offered on these certificates are frequently adjusted in response to broader economic conditions and the CBE’s monetary policy decisions.
