Tuesday 09 Sep/2025 – 04:25 PM
The banks operating in the Egyptian market, headed by the National Bank of Egypt and the Bank of Egypt, began re -pricing the return on savings certificates, in line with the decision of the Central Bank of Egypt issued in early September, which is to reduce interest rates by 200 basis points.
This move comes in response to the new monetary policy aimed at supporting economic activity, in light of a clear trend towards monetary facilitation.
Details of the certificates of the National Bank with a monthly return
In light of the increasing living pressures, citizens are heading to search for savings tools that achieve a regular monthly income, which made savings certificates with a fixed return, especially those provided by the National Bank of Egypt, are widely interested.
Below, we explain the details of the certificates of the National Bank with a monthly return after the interest reduction, as follows:
First: Platinum certificate with a fixed return
This certificate provides a fixed monthly return for the duration of the certificate, and its details are as follows:
Duration of the certificate: 3 years
Monthly return: 17% fixed
The minimum purchase: 1000 pounds
Early recovery: Not available before 6 months have passed
How to exchange the return: a monthly conversion to the bank account
This certificate is a suitable option for customers looking for a regular and stable monthly income without fluctuations in the return price.
Second: The platinum certificate with a gradient return
As for those who wish to achieve the highest return in the first year, they can benefit from the certificate with a gradual return, which the National Bank offers with changing returns over the past three years:
Duration of the certificate: 3 years
Monthly return:
First year: 21%
The second year: 16.75%
Third year: 13.5%
The minimum purchase: 1000 pounds
Early recovery: Not available 6 months ago
How to pay the return: monthly to the account
This certificate aims to fulfill the aspirations of customers who prefer a high return in the short term, especially in light of the ongoing changes in monetary policies.
Platinum certificate with an annual return (decreased return)
Duration of the certificate: 3 years
Annual return:
First year: 23%
The second year: 18.5%
Third year: 14%
(The return is calculated annually and is disbursed at the end of each year)
The minimum purchase:
1000 Egyptian pounds (and its complications)
