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).
Suk ZAD Islamic Certificate
With the Suk ZAD Islamic Certificate, you have a competitive profit on your savings
Compliant with Islamic Sharia.
- Available in local currency.
- This certificate gives you a competitive profit under settlement paid (Monthly)
- The certificate Tenor (3 years) starting from next working day.
- Credit finance is available up to 95% of the certificate value in the same currency.
- Minimum issuance amount starts from 100,000 EGP and its multiples with no maximum.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule.
- Available for individual customers only.
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The Three Years Saving Certificate:
With the Islamic Saving three years certificate, you can choose from varied types of payment frequency
- complied with Islamic Sharia
- Available in local currency.
- This certificate gives you a competitive profit under settlement can be paid (Monthly, or Quarterly, or Annually)
- The certificate Tenor (3 years) starting from next working day
- Credit finance is available up to 90% of the certificate value in the same currency.
- Minimum issuance amount starts from 1,000 EGP and its multiples with no maximum.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule
- Available for individual customers only
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Five Years Certificate:
With the five years certificate earn your semi-annual profit complied with Sharia.
- Certificate tenor is five years starting after 2 working days of the certificate issuance date
- Available in local currency.
- Semi-Annual Profit Posting under settlement.
- Minimum issuance amount from 1,000 EGP and its multiples.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule
- Available for individual customers only
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Millionaire Certificate
April Millionaire Winners 2026
Name: Ismail Salah El Din Abdel Megied El Abd
Certificate number : 2400029687 - Branch: Alexandria
Amount : One hundred thousand Egyptian Pounds
Purchasing / Renewal date: 06/03/2024
Name: Fatma Abdel LATIEF Ahmed
Certificate Number: 2200259821 - Branch: Heliopolis
Amount: Fifty thousand Egyptian Pounds
Purchasing/ Renewal date: 30/10/2022
Name: Gihan Abdel Megied Shalaby Ashour
Certificate Number: 2100047975 - Branch: Domiat
Amount: Fifty thousand Egyptian Pounds
Purchasing/ Renewal date: 24/05/2021
Next Withdrawal day Will be on Sunday 03 May 2026
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.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule
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The three years saving certificate Islamic
With the Islamic Saving three years certificate, you can choose from varied types of payment frequency complied with Islamic Sharia
- Available in local currency.
- This certificate gives you a competitive profit under settlement can be paid (Monthly, or Quarterly, or Semiannually, or Annually)
- The certificate Tenor (3 years) starting from next working day
- Credit finance is available up to 90% of the certificate value in the same currency.
- Minimum issuance amount starts from 1,000 EGP and its multiples with no maximum.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule
- Available for individual customers only
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The Accumulated Islamic certificate
With the Accumulated certificate earn your profit at maturity.
- Available in local currency.
- The certificate tenor is 3 years starting after 2 working days of certificate issuance date
- This certificate gives you a competitive variable profit paid at maturity
- Minimum issuance amount from 1,000 EGP and its multiples.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule
- Available for individual customers only
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Dollar Annual Certificate:
With Dollar Annual certificate, earn your profit quarterly complied with Islamic Sharia
- Available in USD currency.
- The certificate Tenor (1year) starting after 2 working days of certificate issuance date
- Credit finance is available up to 90% of the certificate value in the same currency.
- Minimum issuance amount starts from 100 USD and its multiples with no maximum.
- Certificate value can be refunded after 3 Months from its issuance date as per refund schedule
- Available for individual customers only
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Raghad Certificate:
With Raghad certificate, earn your profit quarterly under settlement complied with Islamic Sharia
- Available in USD currency.
- The certificate Tenor (3years) starting from next working day
- Credit finance is available up to 50% of certificate value Equivalent in EGP
- Minimum issuance amount starts from 1000 USD and its multiples with no maximum.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule
- Available for individual customers only
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The Three years Saving Certificate in USD:
With the three years saving certificate, earn your profit monthly under settlement complied with Islamic Sharia
- Available in USD currency.
- The certificate Tenor (3years) starting after 2 working days of certificate issuance date
- Credit finance is available up to 90% of certificate value in same currency
- Minimum issuance amount starts from 100 USD and its multiples with no maximum.
- Certificate value can be refunded after 6 Months from its issuance date as per refund schedule
- Available for individual customers only
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Returns applied on Deposits products
Terms and conditions – certificates and time deposit
Appendix of Terms and Conditions for Certificates and Deposits
** Terms and conditions apply
The United Bank has the right to amend any of the Criteria, Terms, or Conditions without prior notice.
