Wednesday 31 December 2025 – 11:35 PM
A large number of citizens wonder about the interest rates on savings certificates in Bank of Egyptespecially Ibn Misr’s testimonies, in light of the recent changes in monetary policy and interest rates within the banking sector.
Interest rates on Banque Misr certificates after the latest amendment
In this context, the Bank of Egypt decided to amend interest rates on savings certificates in local currency, against the backdrop of the Central Bank of Egypt’s decision to reduce basic interest rates by 1%, in line with current economic changes.
The bank explained that it was decided to reduce the return on the Ibn Misr Triple Diminishing Certificate with a monthly return, in addition to offering a new periodicity for the certificate with an annual decreasing return, with the aim of providing various savings alternatives that meet the needs of different customers.
Interest rates on Banque Misr certificates
First – Ibn Misr’s testimony with a decreasing monthly return:
- First year: 20.5%
- Second year: 16.25%
- Third year: 12.25%
Second – Ibn Misr’s certificate with a diminishing annual return (new periodical):
- First year: 22%
- Second year: 17.50%
- Third year: 13.25%
- Third – Summit Savings Certificate:
- Fixed return of 16% annually.
Fourth – Yumati certificate with a daily variable return:
Fifth – Savings certificate with a fixed return for 5 years:
- 12.25% monthly return
- 12.50% annual return
Sixth: Savings certificate with a fixed return for 7 years:
- A return of 12.75% per annum paid monthly.
- Seventh – Egyptian Safety Certificate:
- Return of 13% annually.
This amendment comes within the framework of Banque Misr’s keenness to diversify its savings pools, keep pace with monetary policy decisions, while providing safe investment solutions that suit various categories of customers.
