Overview
Thndr Clouds is a high-yield savings feature on Thndr that lets you park your cash and earn gains on it. Money deposited into Thndr Clouds is swept into mutual funds — primarily money-market or fixed-income funds that invest in low-risk instruments like treasury bills, bonds, and interest-bearing cash accounts. Each mutual fund follows its own guidelines and investment strategy.
Key benefits
Earn daily gains on your idle cash
Choose between two saving methods — Instant Savings or Monthly Savings — depending on your financial goals
Compound your returns daily, meaning you earn gains on your gains every day
Organize your savings into separate clouds with custom names, images, and optional goals to stay motivated
Savings Options
Thndr Clouds offers two saving methods: Instant Savings and Monthly Savings.
| Instant Savings | Monthly Savings |
Summary | Earns daily gains. Withdraw anytime with no fees | Earns higher daily gains. Withdraw at the end of the month |
Current APY (as of 01-06-26) | 17.47% | 20.23% |
Gains | Compounded daily | Compounded daily |
Top-ups | Top up instantly anytime with no limits | Top up instantly anytime with no limits |
Withdrawals | Withdraw instantly anytime with no fees | Schedule a free withdrawal before the last Sunday of each month — your money arrives the following Tuesday. Or withdraw instantly anytime for a 0.25% fee |
Best for | Emergency cash or cash parked while finding your next investment opportunity | Medium-term goals like travel or marriage |
Sharia compliance | Based on a mutual fund designated as Sharia-compliant | Based on a mutual fund that does not carry the same Sharia-compliant designation |
Asset manager | Azimut | Thndr Asset Management |
Prospectus |
Sharia compliance for Instant Savings
When you deposit money into Instant Savings, the funds are swept into a mutual fund overseen by a supervisory Sharia board. The fund maintains its Sharia-compliant status through the following structure:
Independent Sharia committee — the fund is overseen by a dedicated Sharia committee composed of qualified scholars registered with the Financial Regulatory Authority. The committee ensures all investment activities align with Islamic principles.
Pre-investment screening — the committee defines the rules, criteria, and permissible instruments for investment. All proposed investments must be reviewed and approved for Sharia compliance before execution.
Ongoing monitoring and approval — the fund manager adheres to Sharia guidelines when managing the fund's assets, obtains approval for new investments or significant changes, and provides periodic compliance reports to the committee.
How scheduled transfers work in Monthly Savings
You can schedule a transfer anytime during the month, as long as the request is submitted before the last Sunday of the month. Your money will be received on the following Tuesday.
Key details about scheduled transfers
Your scheduled transfer remains in a pending state until the last Sunday of the month
Only one scheduled transfer can be active at a time — to create a new one, cancel the existing scheduled transfer first
Scheduled transfers cannot be canceled once they are processing (processing occurs between the last Sunday of the month and the Tuesday payout date)
Choosing a transfer amount
When scheduling a transfer, you can choose between entering a specific amount or selecting a full balance transfer.
A full balance transfer moves the entire balance of your cloud, including all future gains accrued by the end of the month. While a full balance transfer is scheduled, you cannot top up or transfer out of the cloud until the transfer is processed. You can cancel a full balance transfer at any time before processing begins and create a new scheduled transfer.
Understanding your Thndr Clouds balance
Your Thndr Clouds balance equals your principal amount plus all accrued gains. Gains are compounded daily and are based on the difference between the average purchase price of the underlying mutual fund certificates and the current market value of those certificates.
You can see how your gains are calculated and credited in this article.
How Thndr Clouds keeps your money safe
Your money is invested in FRA-licensed mutual funds. Every fund used by Thndr Clouds is licensed and supervised by the Financial Regulatory Authority (FRA), publishes a public prospectus, and reports a daily net asset value. The named asset managers running these funds (such as Azimut and Thndr Asset Management) are regulated entities accountable to the FRA.
The funds invest primarily in Egyptian treasury bills. Treasury bills are short-term debt instruments issued by the Egyptian government through the Ministry of Finance and managed via the Central Bank of Egypt. They are considered among the lowest-risk investment instruments available in the local market, which is why returns on Thndr Clouds have historically been stable.
Your fund units are registered in your name. When you put money into Thndr Clouds, the resulting fund units are recorded in the fund's official unitholder register under your name. The record of what you own is held by the regulated market infrastructure — not by Thndr. Your ownership sits with the fund itself.
Who is eligible for Thndr Clouds
To transfer money to Thndr Clouds, you need to meet all of the following requirements:
Have access to the Egyptian Market on Thndr
Hold an approved account on Thndr
Have no active account suspensions
FAQs
What are clouds?
A cloud is a savings space within Thndr Savings that lets you organize your money into different buckets. You can name each cloud, choose an image, and optionally set a savings goal to stay motivated.
Can I move money between clouds?
Moving money directly between clouds is not supported. To reallocate funds, transfer the money out of one cloud first, then top up the destination cloud with the desired amount.
Is money transferred out of Thndr Clouds settled?
Any money transferred out of Thndr Clouds is fully settled, meaning you can withdraw it directly to your bank account without any additional waiting period.
Why may a cloud top-up not go through?
A top-up to Thndr Clouds requires an available settled balance in your Thndr wallet. The following situations may prevent a top-up:
Unsettled cash — money from recent stock sales is still being settled and cannot be transferred to Thndr Clouds until settlement is complete. Settlement usually takes two working days. You can request instant settlement from the withdrawal page for a small fee.
Pending wallet balance — if your wallet balance is blocked for other pending orders, you will need to cancel those orders to unblock the cash before topping up.
Why doesn't the available to transfer amount match the cloud balance?
If the amount available to transfer out of a cloud does not match the total balance, an existing scheduled transfer on the cloud is likely the cause. The available-to-transfer amount reflects the net balance after accounting for any pending scheduled transfers.
Why Wasn’t My Monthly Return Credited?
Returns are calculated based on the daily cut-off time. Deposits made after the cut-off will begin earning returns from the next applicable day, which may delay the crediting of returns.