Top of main content

No Risk. All reward.

Enjoy the safety and returns of HSBC Non-resident Egyptians Saving Certificates

Grow and protect your savings in Egyptian Pounds

Now more than ever, you need a savings plan you can rely on. With an HSBC non-resident Egyptians Savings Certificate, you can save your money and grow it at 22% per annum, in a safe and secure environment and credit the interest you earn each month directly into your HSBC account.

What you'll get with a Savings Certificate

  • A rate of 22% per annum

  • A certificate issued in EGP and in the name of the owner

  • 3 year validity and tax exemption

  • Interest paid monthly and credited to your current or savings account

  • Saving Certificate will be funded from a Foreign currency account equivalent to the required amount in Egyptian pounds

  • Interest and principle will be paid in Egyptian pounds

  • Full or partial redemption after 6 months of the purchase date subject to relevant penalties

  • Eligibility for Asset-Linked Finance, an overdraft or a secured HSBC credit card against the certificate

Redemption schedule

Interest on the withdrawn amount by redemption period

Redemption period Deduction from contracted interest rate
During year 1 10%
During year 2
During year 3

Interest on the withdrawn amount by redemption period

Redemption period During year 1
Deduction from contracted interest rate 10%
Redemption period During year 2
Deduction from contracted interest rate 8%
Redemption period During year 3
Deduction from contracted interest rate 6%

Full or partial withdrawals are possible after 6 months of payment.

Things you should know

Minimum deposit amount

The minimum deposit amount for an HSBC Savings Certificate is EGP 10,000. Savings Certificates are issued in multiples of EGP 1,000.

Eligibility criteria

Product is offered only to Egyptian Nationals who are residing outside Egypt.

Redemption amount

Partial redemption should be in multiples of EGP 1,000 with a minimum amount of EGP 1,000 to be redeemed per transaction. The remaining value of the certificate should not be less than EGP 10,000 (as a minimum).

Important documents

How to apply

Visit a branch at the country of residency

Download the 'Non-resident Egyptians Savings certificates application form' from our download centre to be filled inside any of HSBC branches in your country of residency.

Email Instructions

If you are a HSBC Premier customer you can apply for the 'Non-resident Egyptians Savings certificates' by e mail instructions from your personal email, for more details please contact your relationship manager.

Visit a branch

Visit your nearest branch in Egypt to speak to us in person.

You might be interested in


Get the most out of your money by putting it to work for you.


Earn interest on deposits in EGP and major foreign currencies.


Enjoy convenience and flexibility for all your essential banking needs.

We'd love to hear from you on the HSBC Egypt Social Media channels.