شهادات البنك الأهلي المصري 2025 بعائد شهري ثابت ومستقر

Citizens are constantly searching for secure investment methods that protect their capital from erosion amid the fluctuations in the global economy. Savings certificates have emerged as the best opportunity to invest funds and ensure a regular monthly or annual return.

Al-Ahram weekly provides its followers with comprehensive information about the best savings certificates at the National Bank of Egypt. This service is available around the clock for easy access.

The National Bank’s monthly savings certificates with fixed returns are prominent investment options. For example, the Platinum Certificate offers a three-year term with a 17% monthly return. Investors can purchase this certificate starting from a minimum of 1,000 Egyptian pounds. The return is calculated from the first day of purchase and paid monthly throughout the certificate’s duration.

Another option is the five-year Pentennial Certificate, which yields a fixed monthly return of 14.25%. Like the Platinum Certificate, the minimum investment is 1,000 Egyptian pounds. These certificates come with additional advantages, including the ability to borrow and secure credit cards using the certificate as collateral. Credit cards of various types can be issued under this guarantee.

Regarding redemption policies, the certificate cannot be redeemed within the first six months of purchase. However, partial redemption is possible before the term ends, following the bank’s specific conditions. Upon maturity, the certificate’s full nominal value is repaid to the investor.

There are also variable interest savings certificates available at the National Bank. The three-year Platinum Certificate with a quarterly return offers 21.25%. This option suits individuals who prefer to monitor their investment’s performance and benefit from changing interest rates.

For those interested in annual fixed-yield certificates, the National Bank offers a three-year Platinum Certificate with varying annual returns. The first year yields 23%, the second year 18.5%, and the third year 14%. The minimum purchase amount remains 1,000 Egyptian pounds, with returns calculated from the purchase date.

Additionally, there is the “Aman Al-Masriyeen” certificate, which spans three years and requires a minimum investment of 500 Egyptian pounds, with multiples allowed up to 2,500 pounds maximum. The fixed annual return is 13%.

This certificate also allows borrowing and securing credit cards using the certificate as collateral. Credit cards can be issued in various forms guaranteed by these certificates. Redemption conditions mirror those of other savings certificates — no redemption before six months with the possibility of early redemption under bank terms and full repayment at maturity.

These savings certificates provide a reliable option for citizens looking to safeguard their investments while enjoying steady income in a volatile economic climate.