Banque Misr savings certificates today: rates and terms

What would your savings earn?

EGP

Before any tax, at the first-year rate for step-down certificates.

Advertised annual return. Floating rates follow the Central Bank overnight deposit rate (20%). Check terms and minimums with the bank.

Installment or cash?Before you buy in installments, compare the offer with keeping your money in a certificate.

4 certificates

Highest return first

We are rechecking some returns. Confirm the return with the bank before you buy.

Ibn Misr step-downStep-down

Banque Misr3 yearsannualMin 1,000Year one 22.00% then 17.50% then 13.25%Checked on 15 Oct 2026Being recheckedYou earn 22,000 EGP a year, 52,750 EGP over the term

22.00%first year

Ibn Misr step-downStep-down

Banque Misr3 yearsmonthlyMin 1,000Year one 20.50% then 16.25% then 12.25%Checked on 15 Oct 2026Being recheckedYou earn 1,708 EGP a month, 49,000 EGP over the term

20.50%first year

Ibn Misr floatingFloating

Banque Misr3 yearsmonthlyMin 1,000Central Bank rate +0.25%, floor 17.50%Checked on 15 Oct 2026Being recheckedYou earn 1,688 EGP a month, 60,750 EGP over the term

20.25%a year

YoumatyFloatingTop

Banque Misr3 yearsdailyMin 1,000Central Bank rate +0.00%, floor 0.00%Checked on 2 Nov 2026You earn 55 EGP a day, 60,000 EGP over the term

20.00%a year

Advertised annual return. Floating rates follow the Central Bank overnight deposit rate (20%).

Savings plannerWhat your money becomes, or what to save for a goal Treasury billsReturns before and after tax Investment funds204 funds sorted by return

Guides

Investment funds for beginners, the types and the fees1 min read.

Treasury bills and the 20% tax, what you actually receive1 min read.

How bank certificates work and how to work out your return1 min read.

What would your savings earn?

4 certificates

Guides

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