Fixed Deposit Calculator — Egypt
Calculate your fixed-deposit maturity value and interest in EGP at current rates. No signup, no account needed.
Fixed deposit rates in Egypt (2026)
The National Bank of Egypt's 1-year "Certificate B" (monthly payout) offers 14% p.a. (checked September 2026). Longer 3-year fixed certificates from NBE and Banque Misr pay noticeably more, up to roughly 17.85% p.a., in exchange for locking funds up for longer.
At around 14%, the fixed-deposit rate in Egypt is very high in nominal terms - but rates this large usually track higher local inflation, so your real, after-inflation return can be far smaller than the headline suggests.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every ١٠٠٬٠٠٠ ج.م. deposited at 14.00% for 5 years (quarterly compounding):
- Maturity value: ١٩٨٬٩٧٩ ج.م.
- Interest earned: ٩٨٬٩٧٩ ج.م.
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Egypt
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
A named-lender rate check: fixed deposits in Egypt (2026)
Egypt's certificate-of-deposit market is dominated by two large state banks, National Bank of Egypt (NBE) and Banque Misr, which price aggressively given the country's high domestic interest-rate environment. NBE's 1-year "Certificate B" (monthly payout) offers 14% p.a. (checked September 2026) -- a straightforward, non-descending product comparable to a conventional 1-year fixed deposit elsewhere. Both banks also sell 3-year fixed certificates paying more (up to roughly 17.85% p.a. quarterly at NBE), and "descending" multi-year certificates that pay a high rate (around 22%) in year one before stepping down in later years -- read the structure carefully, since the headline rate on these products is not what you'll earn for the full term.
A worked example at the 1-year rate, held for a longer period: depositing E£100,000 at 14% p.a. compounded quarterly over 5 years works out to a maturity value of approximately E£198,979, or roughly E£98,979 in interest -- though in practice you'd need to open a new certificate at the prevailing rate each time a 1-year term matures, so the real return depends on where Egyptian rates go over that period.
Frequently Asked Questions
How is FD maturity calculated in Egypt?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Egypt?
As a 2026 reference, fixed-deposit rates are around 14% per year, varying by bank and tenure. The National Bank of Egypt's 1-year "Certificate B" (monthly payout) offers 14% p.a. (checked September 2026). Longer 3-year fixed certificates from NBE and Banque Misr pay noticeably more, up to roughly 17.85% p.a., in exchange for locking funds up for longer.
Is FD interest taxable in Egypt?
Interest earned on Egyptian bank certificates and deposits is generally subject to a withholding tax, and rates/exemptions have changed with recent budget and tax reforms. Confirm the current withholding treatment with your bank or the Egyptian Tax Authority (ETA) before assuming a net rate.
Is a fixed deposit safe in Egypt?
Fixed deposits carry no market risk. We could not verify a clearly quantified, publicly documented deposit-insurance scheme in Egypt with a specific per-depositor coverage limit (unlike the FDIC in the US or DICJ in Japan). Depositor protection in Egypt instead relies primarily on Central Bank of Egypt (CBE) supervision of banks. If this matters to your decision, confirm directly with your bank or the CBE rather than relying on this note. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Egypt?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
What is a realistic fixed deposit rate in Egypt?
As a September 2026 reference, the National Bank of Egypt's 1-year Certificate B (monthly payout) pays 14% p.a. Longer 3-year fixed certificates from NBE and Banque Misr pay more, up to roughly 17.85% p.a., for locking funds up longer.
Why do some Egyptian certificates advertise 22% but pay less over time?
Some multi-year certificates use a "descending" structure -- a high rate (often around 22%) in year one, stepping down to lower rates in later years. The advertised headline rate is only what you earn in the first period, not the average over the full term, so read the rate schedule before assuming 22% for the whole certificate life.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
Egyptian bank certificate rates, FoudaLens, checked 20 September 2026: Egyptian Bank Savings Certificate Rates. NBE 1-year Certificate B rate, TheArabPosts: Highest Bank Interest Rates Egypt 2026. See our methodology and editorial policy for how we source and update this data.