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Certificate Features:

  • The Central Bank of Egypt guarantees to the owners of the Certificates the right to transfer the redeemed amounts and interest in US Dollars to the client's account outside Egypt in case of request and without maximum limit for transfer .
  • Without deducting any expenses to the account and without collecting charges upon effecting transfers from National Bank of Egypt. 
  • Certificates to be purchased through Electronic payment Cards issued by banks outside Egypt or through Bank transfers.

1-year Belady Certificate

  • Currency: US$
  • Duration: one year
  • Interest rate: To know the interest rates Click Here
  • Minimum purchase amount: US$ 100 and multiples 
  • Fixed interest rate throughout the certificate duration.
  • Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
  • Not redeemable throughout its effective period. 
  • Issued for Egyptian expatriates in their name and in the name of their minor children.

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3-year Belady Certificate

  • Currency: US$
  • Duration: 3 years
  • Interest rate: To know the interest rates Click Here
  • Minimum purchase amount: US$ 100 and multiples 
  • Fixed interest rate throughout the certificate duration
  • Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
  • Redemption: Redeemable only after 6 months as of the following business day of purchase date.
  • Issued for Egyptian expatriates in their name and in the name of their minor children.
  • Redeemable prematurely as per the following applicable redemption values: 

§  In case of redemption during the period beyond 6 months and up to 12 months from the effective date of the certificate before crediting the 2nd coupon to the customer's account, 90% of the disbursed interest shall be deducted.

§  In case of redemption during the period beyond 12 months and up to 24 months from the effective date of the certificate before crediting the 4th coupon to the customer's account, 75% of the disbursed interest shall be deducted.

§  In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate after crediting the 4th coupon to the customer's account, 50% of the disbursed interest shall be deducted.

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5-year Belady Certificate

  • Currency: US$
  • Duration: 5 years
  • Interest rate: To know the interest rates Click Here
  • Minimum purchase amount: US$ 100 and multiples 
  • Fixed interest rate throughout the certificate duration
  • Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
  • Redeemable only one year as of the following business day of purchase date.
  • Issued for Egyptian expatriates in their name and in the name of their minor children.
  • Redeemable prematurely as per the following applicable redemption values: 

§  In case of redemption during the period beyond 12 months and up to -24 months from the effective date of the certificate (before disbursing the 4th coupon), 75% of the disbursed interest shall be deducted.

§  In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate (after disbursing the 4th coupon), 60% of the disbursed interest shall be deducted.

§  In case of redemption during the period beyond 36 months and up to 48 months from the effective date of the certificate after crediting the 6th coupon to the customer's account, 50% of the disbursed interest shall be deducted.

§  In case of redemption during the period beyond 48 months and up to 60 months from the effective date of the certificate after crediting the 8th coupon to the customer's account, 40% of the disbursed interest shall be deducted.

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