The “Golden Certificate”For those looking to save in US Dollars (USD) or Euros (EUR), the NBE offers the “Golden Certificate.” This product is specifically designed to provide long-term currency stability combined with competitive international returns. Tiered interest ratesFor the USD Golden Certificate, the National Bank of Egypt offers tiered interest rates based on the duration of your investment:3-year term: Provides a reliable annual return of 4.75%. 7-year term: For those seeking the highest possible return, this term offers a peak interest rate of 4.90%. These certificates can be used as collateral for loans at any NBE branch, subject to the bank’s standing regulations. Redemption policy and early withdrawalInvestors should note that funds committed to the Golden Certificate cannot be withdrawn before a six-month period has elapsed.

Source: Egypt Independent April 10, 2026 13:02 UTC