Mudarabah Certificates

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A partnership in which one party (Rab Al-Mal) provides the capital and the other party (Mudharib) provides work/management. The Profits are pre-set based on the agreed-upon formula approved by the Shariaa Supervisory Board (SSB).

The Three Years Certificate:

  • With the Islamic three years certificate, you will receive monthly profit convenient with Islamic Shariaa 
  • The Certificate duration is three years
  • Available in local currency.
  • Monthly Profit posting.
  • Minimum purchase amount starts from 1,000 EGP and its multiples. 
  • Breakage must be after six months from its issuance date, according to Central Bank of Egypt regulations.
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Five Years Certificate:

  • With the five years certificate earn your semi-annual profit.
  • Available in local currency.
  • Semi-Annual Profit Posting.
  • Minimum purchase amount from 1,000 EGP and its multiples.
  • Breakage must be after six months from its issuance date, according to Central Bank of Egypt regulations.
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Dollar Annual Certificate:

  • With the Islamic annual certificate, you will receive your profit quarterly in accordance with Islamic Shariaa.
  • Available in USD currency
  • The minimum purchase amount is 100 USD and its multiples.
  • Breakage must be after three months from its issuance date.
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Step-Up Certificate:

  • With the Step up dollar certificate, you will receive your profit quarterly in accordance with Islamic Shariaa.
  • Available in USD currency.
  • Quarterly profit Posting.
  • The minimum purchase amount is 1,000 USD and its multiples.
  • Breakage must be after six months from its issuance date, according to Central Bank of Egypt regulations.
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The Three Years Certificate with Quarterly Return:

  • With the three years certificate, you will receive your profit quarterly in convenient with Islamic Shariaa.
  • Available in local currency.
  • Quarterly Profit Posting.
  • Minimum purchase amount 5,000 EGP and its multiples.
  • Breakage must be after six months from its issuance date, according to Central Bank of Egypt regulations
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The Millionaire Certificate:

If you Dream to be the next millionaire, it comes true with the millionaire certificate

The Millionaire Certificate's History:

  • July 2001 was the first issuance for the Millionaire certificate. The certificate withdrawals were done quarterly. In July 2007, the United Bank launched the Millionaire certificate with new adjustments and features, convenient with Islamic Shariaa. The Millionaire certificate now gives you the chance to win Awards, 4 million Egyptian pounds per year, as the number of withdrawals have increased to reach 32 times annually.
  • The first One Million will withdraw in January (at the beginning of February).
  • The second Million will withdraw in July (at the beginning of August).
  • The 100 thousand pound will be 10 times withdrawals per year.
  • The 50 thousand pound will be 20 times withdrawals per year.
  • The awards system for the Millionaire certificate Withdrawals is supervised by the Ministry of Social Solidarity - License No. 19 of 2001.

Terms and Conditions of the Millionaire Certificate:

  • Value for each certificate is 100 Egyptian pounds.
  • Issuing based on Shariaa Approvals.
  • Maturity is Five Years.
  • Automatic Renewal.
  • Free of Charge.
  • Available for Individuals (Egyptians and foreigners).
  • Profit Paid at Maturity date.
  • Breakage must be after six months from its issuance date, according to Central Bank of Egypt regulations
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** Terms and Conditions apply

The United Bank has the right to amend any of the Criteria, Terms, or Conditions without prior notice.

With Sak Kenoz harvest your investments

  • Invest your money in Sak Kenoz and gain the following benefits:
  • Sak Kenoz in (EGP) with competitive variable interest rate
  • Tenor (3 years)
  • Returns are paid monthly on account until settled according to actual results along with the CD tenor.
  • The denominations is 1000 EGP and it’s multiples
  • Credit facility up to 90% of the certificate value in the same currency.
  • Available for individual customers only.
  • According to Shareea conditions
Apply Now

** Terms and Conditions apply

The United Bank has the right to amend any of the Criteria, Terms, or Conditions without prior notice.