Banque Misr Launches High-Interest Yomaty Savings Certificate

Banque Misr’s New Savings Certificate

Banque Misr has unveiled a new savings product, the Yomaty savings certificate, which offers an attractive annual interest rate of up to 19%. This certificate is designed to cater to individual clients and is available for a minimum investment of EGP 1,000, with the option to invest in multiples of this amount.

The interest on the Yomaty certificate is paid daily at a variable rate, aligning with the bank’s strategy to enhance customer savings opportunities. Clients can acquire the certificate through various channels, including the bank’s extensive branch network, digital banking platforms, and ATMs.

Flexible Terms and Additional Benefits

In addition to competitive returns, the Yomaty certificate offers significant flexibility. Customers are allowed to borrow up to 90% of the certificate’s nominal value, providing liquidity options for those who may need access to funds. Moreover, clients can redeem their investment either fully or partially after a six-month holding period, in accordance with the bank’s established regulations.

Banque Misr’s initiative reflects its ongoing commitment to providing innovative savings solutions that meet the diverse financial needs of its clientele, while also promoting a culture of saving and investment across the country.

Recent Changes in Interest Rates

On April 22, 2026, Banque Misr also raised the annual interest rate on its three-year fixed-rate Al Qimma savings certificate to 17.25%, up from 16%. This adjustment underscores the bank’s focus on offering competitive financial products that appeal to savers.

Similar to the Yomaty certificate, the Al Qimma certificate can be purchased and renewed through the bank’s digital services, including the BM Online platform, and is accessible via its network of approximately 900 branches and banking units nationwide.

Frequently Asked Questions

What is the interest rate on the Yomaty savings certificate?

The Yomaty savings certificate offers an annual interest rate of up to 19%.

How much do I need to invest to purchase the Yomaty certificate?

The minimum investment for the Yomaty certificate is EGP 1,000.

Can I withdraw funds from the Yomaty certificate?

Yes, clients can redeem their investment fully or partially after six months.

What other savings products does Banque Misr offer?

Banque Misr also offers the Al Qimma savings certificate, which has an interest rate of 17.25%.

Where can I purchase the Yomaty savings certificate?

The Yomaty certificate can be purchased at bank branches, ATMs, and through digital banking channels.