Egyptians Can Earn Nearly 35,000 Pounds Annually wiht High-Yield Savings Certificates
Cairo, November 15, 2025 - Egyptian citizens seeking a secure, fixed monthly income can now benefit from high-yield savings certificates offered by leading banks. Currently, the largest bank in Egypt provides a one-year certificate with a 14% annual return, delivering a monthly income of 2,916 Egyptian pounds on a 250,000-pound investment.
This prospect arrives as many Egyptians look to supplement their salaries or pensions with predictable financial gains, notably amidst ongoing economic fluctuations.Savings certificates, ranging in term from one to seven years, offer various return structures – fixed, variable, or decreasing – but the demand is strongest for those providing a guaranteed, consistent income stream.The Central Bank of Egypt utilizes interest rate adjustments as a key tool to manage inflation, impacting the attractiveness of these certificates.
while the 14% rate offers a significant return, the National Bank of Egypt currently leads with the highest fixed-return certificate at 17% annually. however, this premium rate is available for a longer commitment of three years, or 36 months.
The 14% certificate translates to a total return of 34,992 Egyptian pounds over the 12-month period, based on the 2,916 monthly payout. These certificates provide a safe haven for savings, with returns determined either by a fixed rate or by the interest rate announced by the Central bank of Egypt. The Central Bank adjusts interest rates to control inflation, lowering them when prices stabilize and increasing them when inflation rises.
