Features Save more for more chances to win Gold

Secure your savings with the new Gold CD. A 3-year certificate of deposit with monthly returns that gives you entry into monthly raffles for gold prizes. The more you save, the greater your chances to win. Book your CD starting 1 January 2026.
Gold CD

3-year fixed monthly CD with 5% annual interest

Earn a steady monthly return while automatically unlocking your chances to win gold prizes.

Book your CD starting EGP 20K and unlock 2 chances to win

For every additional EGP 10K in your booking, you earn another raffle chance. The more you book, the more entries you secure.

More Balance = More Chances

Increase your balance and multiply your chances. For example, an EGP 100K CD gives you 10 chances every month for 36 months, with no cap on winnings.

51 winners every month for 36 months

Join the monthly gold raffle. You could win 1 grand prize of 1 kg of 24-karat gold. You also have a chance to win 1 of 50 gold coins (21-karat).

Liquidity and security

Benefit from secured facilities up to 95% of your CD's value while keeping your investment intact.
The draw is conducted under the official supervision of the Ministry of Social Solidarity with license number 2/2026. Terms and conditions apply.

Winners Congratulations to the Monthly Gold CD Winners

51 Winners Every Month… Check Who Won!

FAQs

No. The minimum entry amount is EGP 20K, and there is no maximum limit.
Yes. There is no cap on the number of times you can win throughout the CD tenor.

The Certificate of Deposit has a six-month lock-up period. After that, redemption is available through internet banking, mobile banking, or at our branches.

Note:

  • In case of full redemption, you will no longer be eligible for raffle entries.
  • In case of partial redemption, your chances will adjust to match the remaining balance.

Example: An EGP 30K CD gives you 3 chances per raffle. If you redeem EGP 10K, leaving a balance of EGP 20K, your chances will drop to 2 per raffle.

If a winner cannot be reached or does not claim the prize within 60 days of the raffle date, ownership of the prize will be transferred to the Ministry of Social Solidarity.
The raffle takes place during the second week of each month under the supervision of the Ministry of Social Solidarity.

Requirements

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

  • New customers 
    Apply for a new account online or 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.

Tutorials CDs terms and conditions

Browse our tutorials and get the most out of our terms and conditions.

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