Government12-month T-bill25.67%
As of 13 Oct 2026BankBank A · 12-month deposit17.00%
As of 16 Aug 2026Coming soon to Egypt
Egypt's bonds, in your pocket.
Buy Egyptian T-bills, government bonds, sukuk and Eurobonds from your phone, in pounds or dollars. Know your return on day one and get paid on fixed dates.
- T-bills
- Government bonds
- Sukuk
- Eurobonds
- Corporate bonds
Indicative yields today
A year, before tax and fees- 0–1y0–1y3-month T-billNo coupon · At maturity · 0.2 yrsT-billsAt maturity12 Jan 202723.83%
- 0–1y0–1y6-month T-billNo coupon · At maturity · 0.5 yrsT-billsAt maturity13 Apr 202724.96%
- 0–1y0–1y9-month T-billNo coupon · At maturity · 0.7 yrsT-billsAt maturity20 Jul 202725.38%
- 0–1y0–1y12-month T-billNo coupon · At maturity · 1.0 yrsT-billsAt maturity12 Oct 202725.67%
- 1–3y1–3y3-year T-bondCoupon 23.981% · 2×/yr · 3.0 yrsBonds2×/yr6 Oct 202924.13%
Tap a row for its payment schedule. As of 13 Oct 2026 · 18 Oct 2026 · 19 Oct 2026.
Coming soon: sukuk and high-grade corporate bonds
Indicative annual yields, before taxes and fees. For information only. Not an offer or investment advice.
9:41
AGYALMarket open
Good morning, Amina
Today's yields
3-month T-bill23.83%At maturity
6-month T-bill24.96%At maturity
9-month T-bill25.38%At maturity
12-month T-bill25.67%At maturity
EGP yield curve
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App preview · illustrative figures
Side by side
Government yields next to bank deposits
Same maturity, two places for your pounds. Switch to after tax to see what you keep: T-bill and bond returns have 20% tax withheld, while bank interest is tax-free for Egyptian residents.
Government3-year T-bond24.13%
As of 19 Oct 2026BankBank B · 3-year CD17.75%
As of 16 Aug 2026Indicative. Government: latest Central Bank of Egypt auctions. Bank: published rates for a comparable deposit or certificate. Not an offer or investment advice.
A common question
Why buy bonds instead of a money market fund?
A money market fund's return moves every day. A T-bill or bond tells you upfront what it will pay, and when.
Your return is locked in
You know your yield the day you buy. If interest rates fall later, you keep the rate you bought. A fund's return falls with them.
Hold to maturity, get the full amount
Bond prices move in the market, but if you hold to maturity you receive the full face value, whatever the price did in between. Nothing is marked to market against you.
Real cash flow
Bonds pay coupons into your account on set dates, and T-bills pay out at maturity. A fund pays nothing out; you have to sell units to get cash.
Your return
T-bills & bondsFixed when you buyMoney market fundChanges daily
Payouts
T-bills & bondsCoupons, or the full amount at maturityMoney market fundNone; sell units for cash
Market price moves
T-bills & bondsDon't matter if you hold to maturityMoney market fundShow up in the daily price
Cash before maturity
T-bills & bondsSell at the market priceMoney market fundRedeem any working day
| T-bills & bonds | Money market fund | |
|---|---|---|
| Your return | Fixed when you buy | Changes daily |
| Payouts | Coupons, or the full amount at maturity | None; sell units for cash |
| Market price moves | Don't matter if you hold to maturity | Show up in the daily price |
| Cash before maturity | Sell at the market price | Redeem any working day |
Worth knowing: if you sell before maturity you get the market price, which can be higher or lower than what you paid. Funds are easier to cash out at short notice.
Early access
Be first in line
Join the waitlist and we'll tell you the moment AGYAL opens.
How it will work
- 1Join the waitlistLeave your name, email and mobile. It takes 30 seconds.
- 2Get early accessWe'll invite you as soon as the app opens, before the public launch.
- 3Invest from your phoneChoose a bond, see what it pays and when, and invest through licensed brokers and banks.
Founding partners
Become a founding partner
We're building AGYAL with a small group of founding partners: licensed brokers, banks and asset managers who want to bring Egyptian fixed income to a new generation of investors. Tell us about your institution and we'll set up a call.
- Shape the product with us from the first version
- Reach our waitlist of investors from day one
- Priority placement for your T-bills, bonds and sukuk
Questions
What is AGYAL?
AGYAL (أجيال, "generations") is an app we're building so investors in Egypt and across the Arab world can buy Egyptian government bonds, T-bills, sukuk and high-grade corporate bonds from their phone.
Is AGYAL open yet?
Not yet. We're signing up partners and preparing the launch. Join the waitlist and you'll be among the first to get access.
Are the yields on this page guaranteed?
No. They are recent indicative yields, before taxes and fees, shown so you can see what Egyptian fixed income pays. The price you get will depend on the market when you invest.
How do T-bills and bonds pay me?
A T-bill pays once: you buy it below face value and get the full face value at maturity. A bond pays a coupon on fixed dates (usually every 6 months) and returns your principal with the last coupon. Each rate above has its own page with the full payment schedule.
Who will hold my investments?
AGYAL will work only with licensed brokers and banks in Egypt, who will hold the securities in your name. We'll share full details before launch.
Do I need to live in Egypt?
Eligibility will depend on our partners and on Egyptian regulations. Join the waitlist with your country code and we'll tell you what's available to you.