العربية

Features Long term savings for long term planners

The perfect product if you have a long term vision for your finances

Certificate Deposit Showcase Source

Control over your interest payout

You can choose to receive your interest either monthly, quarterly, semi-annually, annual, or at maturity (end of the term)

Set up your CD to suit your needs 

Interest rates are calculated based on fixed, floating or cumulative options and tenors of 3, 3 (Premium), 4 (Premium), 5, 7 or 10 years

Flexibility to redeem 

Partial or full redemption is ​​allowed after six months of issuance for fixed certificates and after one year for floating

Take out a loan

You can receive a secured loan worth up to 95% of your CD's value

Choose your currency

You can open a CD in EGP, USD or EUR

Types of CDs Explore the different types of CDs

Local Currency Fixed CDs

  • Duration: 3, 3 (Premium), 4 (Premium), 5, 7 or 10 years
  • Minimum amount EGP 1,000 and multiples
  • Minimum amount EGP 100,000 andmultiples of EGP 1,000 (For 3 Years and 4 Years Premium CDs Only)

Interest payment frequencies:

  • 3-years payment frequency: monthly, quarterly, semi-annually, or at maturity
  • 3-Years (Premium) payment frequency: monthly
  • 4-Years (Premium) payment frequency: monthly
  • 5-years payment frequency: monthly, quarterly, semiannually, or at maturity
  • 7 and 10-years payment frequency: monthly

Local Currency Floating CDs

  • Duration: 3 years
  • Available in EGP only
  • Minimum amount: EGP 6,000 and multiples of EGP 1,000
  • Interest rates change in line with CBE corridor rates
  • If interest payments fall on an official holiday or weekend, they will be included in the month’s number of days and in the interest calculation for that month. Settlement will be with the last interest payment on the certificate’s due date.

Local Currency Cumulative CDs

  • Duration: 3 and 5 years
  • Minimum amount: EGP 5,000 and its multiples
  • Calculated and earned at maturity

Foreign Currency CDs

  • Medium and long-term depository product with durations of 3, 5 or 7 years.
  • EUR fixed certificates duration is three years only.
  • Minimum purchase amount is 1,000 and its multiples USD or EUR.
  • Offered to individuals and corporate customers

Offers Discover the newest offers at CIB

We add new offers all the time, so remember to check back for the latest deals

Hospitals & Clinics

0% installments
Seeds Clinic

Install your purchases over 6 months with 0% interest

Valid until 01/01/2025
Fashion

0% installments
Samsonite

Install your purchases over 12 months with 0% interest

Valid until 01/01/2025
Electronics

0% installments
Raya

Install your purchases over 6 months with 0% interest

Valid until 01/01/2025
View all discounts

Rates and charges Interest rates on CDs

Tenor Interest payment frequency Interest rates

3 years fixed

Monthly

Quarterly

Semi-annually

Monthly El Kheir

At maturity

9.50%

9.75%

10.00%

9.00%

Effective rate 9.50%

3 years fixed (Premium)

Monthly

13.50%

4 years fixed (Premium)

Monthly

14.00%
5 years fixed

Monthly

Quarterly

Semi-annually

At maturity

10.00%

10.25%

10.50%

Effective rate 9.50%
3 years floating

Monthly

 		0.75% below Corridor Bid Rate (Currently 10.50%)
7 years fixed

Monthly

 		10.5%
10 years fixed

Monthly

 		11%
Tenor Interest payment frequency Interest rates

3 years fixed

Monthly

Quarterly 

Annually

 

2.00%

2.05%

2.10%
5 years fixed

Monthly

Quarterly 

Annually 

2.15%

2.20%

2.25%
7 years fixed

Monthly

Quarterly

Annually

2.25%

2.25%

2.25%
Tenor Interest payment frequency Interest rates

3 years fixed

Monthly

Quarterly

 

0.50%

0.75%

Terms and conditions

Fixed CDs Terms and conditions
Fixed CDs Terms and conditions.PDF 181.6 KB
Floating CDs Terms and conditions
Floating CDs Terms and conditions.pdf 372.9 KB

Requirements How to book Certificates of Deposit?

  • CIB customers 
    Book your certificate of deposit through internet or mobile banking and enjoy a seamless experience.

  • New customers 
    Visit the nearest branch to open an account and sign certificate of deposit applications with the following documents:
    - Valid national ID or valid passport for foreigners
    - Recent original utility bill (electricity or gas)
    - Proof of Income
    - Proof of permanent residence for foreigners

Terms and conditions apply.

Visit branch to apply
Learning center Learn more about banking and your finances

How to keep your digital banking secure

The Central Bank of Egypts Most Influential Rate

How to Save

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We care Our dedicated team is committed to meeting your needs

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Chat with 'Zaki' our digital assistant to guide you through our products and services, or reach out on social media.

On the phone

For support, including emergencies such as cards closure or immediate critical feedback.

In branch

Our trained team of tellers and relationship managers are here to help you get the service you need. 

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