Agricultural Bank of Egypt provides the highest interest rate on certificates of deposit in local currency. These certificates have advantages that suit all levels and categories in terms of duration and value.

The characteristics of the certificate
The certificate Denomination EGP 1000، 5000، 10.000، 50.000، 100.000، 500.000، 1000.000
Duration 3 years
The periodicity of the return disbursement -Monthly.
-The interest is calculated as of the date of the next working day of the date of purchase.
Certificate redemption After 6 months from the date of issuance in accordance with the redemption values determined by the bank
Borrowing – With easy terms within 90% of the lowest redemption value .
– Debit interest of more than 3% of the certificate rate is calculated.
Other characteristics Fixed interest rate over the certificate duration .

The advantages:

•The certificates can be purchased from any of the bank’s branches.
•The possibility of purchasing without maximum limit.
•The certificate may be issued in minors names till they reach the legal age, and the return may be saved or disbursed from the account.
•The certificate value, its return, and its redemption or maturity value are exempted from any type of income taxes.
•A current or savings account may be opened upon the customer’s request.
•The interest can be credited to the current or savings account upon the customer’s request.
•The Certificate amount upon redemption can be credited to the current or savings account upon the customer’s request.
•The customer is entitled to apply for an electronic card ATM in accordance with the terms and conditions.
•The certificate value may be redeemed at any time after 6 months from its issuance date in accordance with the redemption values determined by the bank.
•The possibility of borrowing with easy terms against these certificates in accordance with the rules identified by the bank.
•The certificate may be kept within the bank.
•In case of theft, loss or damage of the certificate, a replacement one can be issued.
•Upon contraction, the customer determines whether or not to renew the certificate at the end of its duration.

Terms & conditions :

– The certificate is nominal and can not be issued in joint names. It is un-assignable and non-transferable
– A current or a savings account  shall  be opened at the branch that issues the certificate

Persons entitled to purchase the certificate :

•Egyptian natural persons only.
•Minors (by custodianship or guardianship).

The required documents:

For new customers: 

– A copy of the valid ID card (After the original is being reviewed by the officer).
– Birth certificates containing the national number for minors (and the guardianship deed, if any).

For current customers:

•The customer’s data updating shall be verified.

For more information, please visit the nearest branch

Three-year certificates (Al Aman) with monthly interest 12.5%

The Characteristics of the certificate
The certificate Denomination EGP 500، 1000، 5000، 10.000، 50.000، 100.000، 500.000، 1000.000
Duration 3 years
The Periodicity of the return disbursement – Monthly.
-The interest is calculated as of the date of the next working day of the date of purchase
Certificate Redemption After 6 months from the date of issuance in accordance with the redemption values determined by the bank.
Borrowing With easy terms within 90% of its value.
Other characteristics Fixed interest rate over the certificate duration

The advantages:

•The certificates can be purchased from any of the bank’s branches.
•The possibility of purchasing without maximum limit.
•The certificate may be issued in minors names till they reach the legal age, and the return may be saved or disbursed from the account.
•The certificate value, its return, and its redemption or maturity value are exempted from any type of income taxes.
•A current or savings account may be opened upon the customer’s request
•The interest can be credited to the current or the savings account upon the customer’s request.
•The Certificate amount upon redemption can be credited to the current or savings account upon the customer’s request.
•The customer is entitled to apply for an electronic card ATM in accordance with the terms and conditions.
•The certificate value may be redeemed at any time after 6 months from its issuance date in accordance with the redemption values determined by the bank.
•The possibility of borrowing with easy terms against these certificates in accordance with the rules identified by the bank.
•The certificate may be kept within the bank.
•In case of theft, loss or damage of the certificate, a replacement one can be issued.
•Upon contraction, the customer determines whether or not to renew the certificate at the end of its duration.

Terms and conditions: 

-The certificate is nominal and can not be issued in joint names. It is un-assignable and non-transferable.
– A current or a savings account shall be opened at the branch that issues the certificate.

Persons entitled to purchase the certificate: 

– Egyptian natural persons only.
– Minors (by custodianship or guardianship).

The required documents:

For new customers:

•A copy of the valid ID card (After the original is being reviewed by the officer).
•Birth certificates containing the national number for minors (and the guardianship deed, if any).

For current customers:

•The customer’s data updating shall be verified.

* For more information, please visit the nearest branch

savings certificates( Three-year- certificates )with fixed retrun ( Every three months)

The Characteristics of the certificate
The certificate Denomination EGP 500، 1000، 5000، 10.000، 50.000، 100.000، 500.000، 1000.000
Duration 3 years
The Periodicity of the return disbursement – Monthly.
-The interest is calculated as of the date of the next working day of the date of purchase
Certificate Redemption After 6 months from the date of issuance in accordance with the redemption values determined by the bank.
Borrowing With easy terms within 85% of its value .
Other characteristics – The certificate may be kept at the bank.
– Fixed interest rate throughout the certificate duration.

The advantages:

•The certificates can be purchased from any of the bank’s branches.
•The possibility of purchasing without maximum limit.
•The certificate may be issued in minors names till they reach the legal age, and the return may be saved or disbursed from the account.
•The certificate value, its return, and its redemption or maturity value are exempted from any type of income taxes.
•A current or savings account may be opened upon the customer’s request
•The interest can be credited to the current or the savings account upon the customer’s request.
•The Certificate amount upon redemption can be credited to the current or savings account upon the customer’s request.
•The customer is entitled to apply for an electronic card ATM in accordance with the terms and conditions.
•The certificate value may be redeemed at any time after 6 months from its issuance date in accordance with the redemption values determined by the bank.
•The possibility of borrowing with easy terms against these certificates in accordance with the rules identified by the bank.
•The certificate may be kept within the bank.
•In case of theft, loss or damage to the certificate, a replacement one can be issued.
•Upon contraction, the customer determines whether or not to renew the certificate at the end of its duration.

Terms and conditions: 

-The certificate is nominal and cannot be issued in joint names. It is un-assignable and non-transferable.
– A current or a savings account shall be opened at the branch that issues the certificate.

Persons entitled to purchase the certificate: 

-Egyptians.
-Foreigners holding 6 – month valid residence permits.
-Minors (by custodianship or guardianship).

The required documents:

For new customers:

•A copy of the valid ID card (After the original is being reviewed by the officer).
•Birth certificates containing the national number for minors (and the guardianship deed, if any).

For current customers:

•The customer’s data updating shall be verified.

* For more information, please visit the nearest branch

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