Earn more than the bank, for the same level of risk.
Agyal gives savers across the Gulf, UK, Africa and Egypt direct access to government bonds, treasury bills, high-quality corporate debt, sukuk and short-term papers — in USD, GBP and EGP. Put idle cash to work at yields that beat your deposit account.
- Assets listed
- 120+
- Currencies
- 3
- Min. investment
- $250
Deposit vs Agyal
Indicative annualised yields
A $10,000 USD holding, extra annual income
+$120
Inventory
Browse the full fixed-income shelf
Search and filter by asset class, currency and market. Every yield is shown against the local bank deposit benchmark so you can see exactly what you gain.
20 assets
Why Agyal
The stable return your deposit account is missing
Deposit-level risk
Build a portfolio of government and high-grade corporate debt whose default risk is comparable to keeping cash in a bank — with materially higher income.
Direct market access
Buy the same T-bills, gilts, sovereign bonds and sukuk that institutions hold. No opaque funds, no hidden layers of fees.
Spend your yield
Coupons and maturities land in your account, ready to spend with virtual cards, pay bills or transfer — your savings stay liquid.
Auto-reinvest
Roll maturing T-bills and short-term papers automatically to keep compounding at the best available rate in your currency.
Markets
Built for savers across four regions
Gulf
USDKSA · UAE · Qatar sovereign & sukuk
United Kingdom
GBPGilts, T-bills & senior corporates
Egypt
EGPCBE T-bills & sovereign bonds
Africa
USDSovereign & bank debt across the continent