The highest return on savings certificates in 21 banks, after the interest rate cut

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Details of the highest return of savings certificates in banks, National Bank certificates and Banque Misr certificates after the two banks announced the suspension of the annual platinum certificate with a return of 15% for a year, whose total proceeds amounted to about 383 billion pounds in the two banks, of which 103 billion pounds for Banque Misr and 280 billion pounds For AlAhli Bank, and many customers are currently looking for other certificates to buy that have a high return.

The papers required to purchase the highest return of savings certificates in all banks are one, which is “a valid national ID copy, a recent accompanying receipt for which no more than 3 months have passed to open a savings account in the bank with the aim of adding the certificate return, and an income proof certificate if the job is not recorded on the national number According to the instructions of the Central Bank of Egypt.

Details of the highest return of savings certificates in banks, interest rates on savings certificates in banks, the highest return of savings certificates in Egyptian banks, and monthly National Bank of Egypt platinum certificates, as Egyptian banks issue investment certificates to serve their customers, and among the investment certificates issued by banks are bank certificates Al-Ahly, Banque Misr certificates, and an investment certificate prove the right of its owner in the amount he deposited in the bank, and the investment certificate is subject to the loan system, and other laws pertaining to the certificate.

The highest yield of fixed-return savings certificates is one of the goals that banks compete for to attract customer savings, as interest rates vary from one bank to another, according to the policy of each bank, the type of customers targeted by the banks, as well as the levels of liquidity that each bank needs, as well as the burdens Operational cost of money, and other things.

The website “Misr 365” monitors in its next report the highest return of savings certificates with a fixed return, which have a maturity of 3 years. It also monitors the minimum for the purchase of the certificate in banks, in the banking system, in order, according to the higher interest, and below we show the highest return of savings certificates In banks:

Interest rates on savings certificates in Banque Misr: The highest return on savings certificates

A 3-year savings certificate, the interest rate is 12% on an annual basis, and the return is paid on a monthly basis, and the minimum link for the certificate starts from 1000 pounds and its multiples.

The “B” investment certificate has a maturity of 3 years, the interest rate is 12.5% ​​annually, and the return is paid every 3 months, and the minimum period for linking the certificate starts from 1000 pounds.

Interest rates on savings certificates in the National Bank of Egypt: The highest return on savings certificates

The platinum certificate is 3 years, the interest rate is 12% annually for the monthly return, 12.25% for the quarterly return, and the amount of 1000 pounds is the beginning of the certificate.

Interest rates on savings certificates in the Arab African International Bank: The highest return on savings certificates

Emerald certificate has a maturity of 3 years, the interest rate ranges between 12% annually for the monthly return, 12.25% annually for the quarterly return, 12.375% annually for the semi-annual return, and 12.5% ​​annually for the annual return, and the minimum purchase price for the certificate starts from 5,000 pounds.

Interest rates on savings certificates at CIB:

For a 3-year savings certificate, the interest rate ranges between 11% for the monthly return, 11.25% for the quarterly return, 11.5% annually for the semi-annual return, and 12% for the annual annual return, and the minimum purchase rate for the certificate starts from 1000 EGP.

Interest rates on savings certificates in Mashreq:

Certificate with a maturity of 3 years: Its interest rate ranges between 12% for the monthly return, 11.5% for the quarterly return, and 11.5% for the semi-annual return, and the minimum period for linking the certificate starts from 5000 EGP.

Interest rates on saving certificates at Banque du Caire:

The Primo Certificate has a maturity of 3 years, the interest rate of which ranges from 12% annually, the interest is paid monthly, 12.10% annually, the return is paid quarterly, and 12.25% is paid every year, and the minimum purchase price for the certificate starts from 1000 pounds.

Interest rates on savings certificates at Qatar National Al Ahli Bank: The highest return on savings certificates

A certificate with a maturity of 3 years, with an interest rate ranging between 12% for the monthly return, and 12.25% for a quarterly return, the minimum purchase amount for the certificate starts from 1000 EGP.

Interest rates on HSBC savings certificates: The highest return on savings certificates

A 3-year savings certificate, the interest rate is 12% on an annual basis, and the return is paid on a monthly basis, and the minimum link for the certificate starts from 1000 pounds

Interest rates on savings certificates in the Housing and Development Bank: the highest return on savings certificates

The reconstruction certificate is 3 years, with an interest rate of 12% annually, and the return is paid every 3 months, and the minimum bound for the certificate starts from 1000 pounds.

Interest rates on saving certificates at NBK:

A 3-year savings certificate, its interest rate ranges between 8.5% annually for the monthly return, and 8.75% annually for the quarterly return, and the minimum bound for the certificate starts from 3000 EGP.

Interest rates on savings certificates at Attijariwafa Bank Egypt:

A 3-year savings certificate, its interest rate ranges from 10.75% annually for the monthly return, 11% for the quarterly return, and 11.25% annually for the end of the period, and the minimum limit for linking the certificate starts from 20 thousand pounds.

The certificate is 3 years for the return paid in advance, its interest rate is 24.75%. The customer gets its return after linking the certificate, and the minimum bound for the certificate starts from 5000 pounds.

Interest rates on saving certificates at Bank Audi:

A 3-year savings certificate, its interest rate ranges from 10% annually for the monthly return, 10.10% annually for the quarterly return, 10.25% annually for the semi-annual return, and 10.5% annually for the annual return, and the minimum limit for linking the certificate starts from 10 thousand pounds .

Interest rates on saving certificates previously in MID Bank “Misr Iran”:

A 3-year savings certificate, the interest rate of which ranges from 11%, the return is paid monthly, 11.5% is paid quarterly, and 12% is paid annually.

Interest rates on savings certificates in Bank of Alexandria:

Alex Star certificate has a maturity of 3 years, its interest rate ranges between 12.5% ​​annually for the monthly return and 12.75% annually for a quarterly return, and the minimum bound for the certificate starts from 10 thousand pounds, and increases in thousand pounds and its multiples, and the certificate may be broken after 6 months To buy it.

Interest rates on savings certificates at First Abu Dhabi Bank:

A 3-year savings certificate, its interest rate ranges from 8.25% annually for the monthly return, 8.75% annually for the quarterly return, and 8.95% annually for the annual return, and the minimum limit for linking the certificate starts from 5,000 EGP.

Interest rates on savings certificates in NIB:

There is a “B” investment certificate with two-year maturities. The interest rate is 10.5% annually, and the return is paid every 3 months, and the minimum bound for the certificate starts from 1000 pounds.

All investment certificates are issued through the branches of the National Bank of Egypt, because the National Investment Bank does not own any branches.

Interest rates on savings certificates at the Agricultural Bank:

The harvest certificate has a term of 3 years, the interest rate is 12% on an annual basis, and the return is paid every quarter, and the minimum link for the certificate starts from 1000 pounds.

Interest rates on saving certificates at EG Bank:

A certificate with a maturity of 3 years, its interest rate ranges between 9% annually for the monthly return, 9.25% annually for the quarterly return, 9.5% annually for the semi-annual return, and 10% for the annual return, and the minimum bound for the certificate starts from 1000 EGP.

Interest rates on SAIB savings certificates:

A certificate with a maturity of 3 years. Its interest rate ranges between 10% for the monthly return, 10.25% for a quarterly return, and the minimum period for linking the certificate starts from 5000 EGP.

Interest rates on savings certificates in Suez Canal Bank:

A certificate with a maturity of 3 years, its interest rate ranges from 11% for the monthly return, 11.1% for the quarterly return, 11.25% for the semi-annual return, and 11.5% for the annual return, and the minimum bound for the certificate starts from 5000 EGP.

Interest rates on savings certificates at Credit Agricole Egypt:

A 3-year savings certificate, the interest rate of which ranges between 9.5% annually for the monthly return, 9.75% annually for the quarterly return, and 10% annually for the semi-annual return, and the minimum limit for linking the certificate starts from 3000 EGP.

National Bank certificates and Banque Misr certificates are among the highest returns of savings certificates and have many advantages, among which is that the certificate is nominal and can be bought in the names of others without a maximum limit, and its owner can exchange the return from any bank branch, in addition to that the certificate and its return are exempt from Income taxes for natural persons, it is also possible to purchase joint certificates in the name of more than one person, and investment certificates are automatically renewed on the due date, unless the client is received indicating his unwillingness to renew.

The investment certificate can be kept at the bank and its return can be added to the customer’s account, whether it is current, saving or private without expenses, and also it is possible to delegate others to pay the return or exchange the value of the certificate or any of them according to the client’s desire. the bank.

Investment certificates in banks are divided into more than one type, namely “a certificate of outstanding value, a certificate with a current return, and a certificate with prizes,” as well as triple certificates with a semi-annual return, five-year certificates with an annual return, and certificates with an annual return for a period of 5 years.

The highest return on savings certificates

Certificates with a monthly return for a period of 7 years, certificates with a variable return of «monthly / quarterly / semi-annually» variable for a period of 3 years, certificates of excellence, certificates of goodness, guarantee certificates, dollar certificates, sterling certificates, euro certificates, dollar certificates of goodness, certificates of Islamic transactions With a quarterly return, certificates of Islamic transactions with a monthly return, and certificates of goodness for Islamic transactions with a monthly and quarterly return. Clients can obtain National Bank certificates and Banque Misr certificates, by visiting the bank and requesting the certificate from the competent employee.

The 3-year savings certificates are the most popular and popular among clients, due to the high rate of return provided on them, compared to other certificates with a one-year, 5 or 7-year maturity, in addition to the fact that banks give advantages to selling savings certificates to their customers.

Among these advantages, it is allowed to borrow against the guarantee of the certificate, to buy a car, personal loan, durable goods, etc., and it also provides the opportunity for customers to recover the original certificate before its deadlines, provided that 6 months have passed since the purchase of the certificate.

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