Egypt’s banking sector continues to offer attractive savings options amid evolving monetary policy, with one product drawing significant attention: the “Yomati” certificate from Banque Misr (Bank of Egypt). Launched as a response to the Central Bank of Egypt’s latest decisions, this savings instrument promises a daily return on deposits, setting it apart from traditional monthly or annual payout structures. As of April 2026, the certificate offers an annual return rate of 20.75%, with profits calculated and disbursed each day, providing savers with a steady income stream to help manage everyday expenses.
The product is designed for accessibility, allowing both Egyptian citizens and foreign residents within the country to purchase it. The minimum investment starts at 1,000 Egyptian pounds, available in multiples of that amount. Certificates are issued for a one-year term and are renewable upon maturity. Returns are paid directly into the holder’s current or savings account at Banque Misr, ensuring seamless access to daily earnings. Purchases can be made either in person at any branch across Egypt’s governorates or through the bank’s official mobile application, BM Online, provided the customer already holds an active account with the bank.
One of the most frequently asked questions surrounding the Yomati certificate concerns actual earnings: how much would a deposit of 100,000 Egyptian pounds generate? Based on the 20.75% annual rate, the gross annual return amounts to 20,750 Egyptian pounds. When distributed daily, this equates to approximately 56.85 Egyptian pounds per day (20,750 ÷ 365). These figures represent gross returns before any applicable taxes or fees and actual net proceeds may vary depending on individual circumstances and prevailing regulations.
The Central Bank of Egypt plays a pivotal role in shaping the environment in which such products operate. Through its monetary policy tools — including decisions on interest rates and reserve requirements — the central bank influences the pricing of savings instruments across the banking sector. Although the Yomati certificate’s return is linked to official rates, it is structured to offer a fixed daily payout over the certificate’s term, providing predictability for savers even amid broader economic fluctuations.
Compared to other savings products in the market, the Yomati certificate distinguishes itself through its combination of a high nominal return and daily liquidity of earnings. Most traditional savings certificates in Egypt either offer lower returns or pay interest only at maturity or at the end of each month. The daily disbursement feature appeals particularly to retirees, freelancers, and others who rely on regular income to cover household costs, medical expenses, or other recurring obligations.
Bank Misr, one of Egypt’s largest and oldest state-owned banks, has a long history of introducing retail-focused financial products aimed at promoting financial inclusion. The Yomati certificate aligns with this strategy by offering a straightforward, accessible option for individuals seeking to preserve and grow their savings without exposure to complex investment instruments. The bank emphasizes that the product carries no risk to the principal amount, as it is a deposit-based instrument backed by the institution.
To purchase the Yomati certificate, customers must visit a Banque Misr branch or log in to the BM Online app. They are required to have an existing account with the bank, into which the daily returns will be deposited. Documentation typically includes a valid national ID for Egyptian citizens or a residence permit and passport for foreign nationals. There are no reported penalties for holding the certificate to term, although early withdrawal may be subject to conditions outlined in the product’s terms and conditions, which customers are advised to review before investing.
As monetary policy in Egypt continues to adapt to inflation trends and macroeconomic indicators, the returns on new savings certificates may be adjusted periodically. The Central Bank of Egypt reviews its policy stance approximately every six weeks during its Monetary Policy Committee meetings. Any changes to key interest rates could influence the rates offered on future issuances of the Yomati or similar products, though existing certificates generally retain their fixed rates until maturity.
For individuals considering the Yomati certificate, financial advisors often recommend evaluating it as part of a broader savings strategy. While the daily return provides immediate liquidity, the one-year term means savers should plan for reinvestment options upon maturity. Comparing the product’s yield against inflation rates is also essential to assess real returns — that is, the return after accounting for the erosion of purchasing power. Official inflation data is regularly published by Egypt’s Central Agency for Public Mobilization and Statistics (CAPMAS).
The popularity of high-yield savings products like Yomati reflects a broader trend in North Africa and the Middle East, where individuals are increasingly turning to bank deposits as a hedge against currency volatility and economic uncertainty. In Egypt, where the Egyptian pound has experienced periods of depreciation, local-currency-denominated instruments offering returns above inflation can help preserve wealth. However, all investments carry some level of risk, and past performance does not guarantee future results.
Those interested in staying updated on the Yomati certificate or other savings products from Banque Misr are encouraged to consult the bank’s official website or contact its customer service hotline. The Central Bank of Egypt also publishes regular updates on its website regarding monetary policy decisions, which directly affect the pricing of savings and lending products across the sector.
As savings behavior evolves in response to economic conditions, products that combine accessibility, transparency, and regular income streams are likely to remain in demand. The Yomati certificate exemplifies how traditional banking institutions can innovate within regulatory frameworks to meet the changing needs of their customers — offering not just a place to store money, but a way to make it work harder, every single day.
For the latest official updates on Banque Misr’s savings products, including terms, eligibility, and current rates, visit the bank’s website or speak with a representative at your nearest branch. To stay informed about broader monetary policy developments in Egypt, refer to announcements from the Central Bank of Egypt.