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Accounts and Deposits

 

SAVING CERTIFICATES

 

Banque Misr exclusively offers multi advantages savings pools suitable for all levels and categories in terms of duration and value. 

 

Common Advantages of saving certificates:

 

  1. The saving certificate is nominal and can be bought in others’ names.
  2. Buying can be made without a maximum limit.
  3. Buying and cashing the interest can be made from any branch of Banque Misr.
  4. The certificate and the interest are exempted from taxes for natural persons.
  5. Joint saving certificates can be bought in the names of more than one natural person.
  6. Certificates are automatically renewed on their maturity dates unless otherwise indicated by the client.
  7. These certificates can be kept at the Bank together with adding their interest credited to the current account or the savings book of the client without any fees.
  8. Others can be authorized to cash the interest and/or the value of these certificates according to the client’s instructions.
  9. Borrowing can be made with easy terms using these certificates as collateral.

 

Types of BANQUE MISR savings certificates in the Egyptian Pound:  

 

  • Five-year savings certificates with annual revenue.
  • Five-year savings certificates with monthly revenue.
  • Seven-year Savings certificates with monthly revenue.
  • El Tamyoz Certificate (a distinctive quarterly revenue in Egyptian pounds)
  • El Kheir certificate, 10 years saving certificates with monthly- quarterly revenue.
  • Certificate of Guarantee
  • Banque Misr’s Increasing Interest Certificates of Deposit
  • Companies Certificate: Growing your company’s assets
  • Choice Certificates in Egyptian pounds “The amount due after maturation is your choice”

 

 

 

1.      Five-year savings certificates with annual revenue

 

  • The certificate is nominal with 5-year term, and renewable. 
  • The date of issuing the certificate is the end of the buying month and the revenue starts to be calculated from the buying date.
  • Certificates are issued in the following denominations: L.E. 1000-5000-10000.
  • The buyer may not recover the value of certificate before the lapse of six months from the date of issuance. 
  • In case of pre-mature recovery, a recovery revenue shall be calculated according to the rates governing thereof, deducting the recovery in excess amounts received by the client.

 

2.      Five-year savings certificates with monthly revenue.

 

  • The certificate term is five years starting from the buying date.
  • The certificate is issued in the following denominations: L.E. 1200-6000-12000-120000. 
  • The date of issuing the certificate is the end of the buying month and the revenue starts to be calculated from the buying date
  • The value of the certificate may not be recovered except after 6 months from the issuing date. 
  • In case of pre-mature recovery, a recovery revenue shall be calculated according to the rates governing thereof, deducting the recovery in excess amounts received by the client.

 

3.      Seven-year Savings certificates with monthly revenue.

 

  • The certificate term is seven years starting from the buying date
  • The certificate is issued in the following denominations: L.E. 750-1500-3000-6000-15000-75000. 
  • The date of issuing the certificate is the end of the buying month and the revenue starts to be calculated from the buying date
  • The value of the certificate may not be recovered except after 6 months from the issuing date. 
  • In case of pre-mature recovery, a recovery revenue shall be calculated according to the rates governing thereof, deducting the recovery in excess amounts received by the client. 

 

4.      Al Tamayoz Certificate (distinctive revenue in EGP from the purchasing date paid quarterly)

 

  • The certificate is issued for natural person
  • Certificates are automatically renewed on their maturity dates unless otherwise indicated by the client
  • The certificate revenue is fixed along its period.
  • The certificate duration is three years term
  • The revenue can be cashed using ATM cards
  • The certificate is issued in denomination of EGP 1000 and its multiples
  • The buyer is eligible to get a loan guaranteed by the certificate
  • The certificate value could be recovered after 6 months from the purchasing date

 

5.    Al Qimma Certificate 16% annually (The highest return with monthly disbursement, effective the following day of purchase)

 

  • The certificate is issued for individuals
  • The contractual return is fixed throughout the certificate tenor
  • The certificate tenor is 3 years
  • The return could be disbursed with instant debit cards
  • The issuance category is EGP 1000 and its increments
  • The certificate's holder is eligible to obtain loans guaranteed by the certificate
  • The certificate value is refundable after 6 months of purchasing date

 

6.    Talaat Harb certificate "The highest annual interest rate, deposited three months, starting from the day following the purchase of the certificate of deposit"

 

  • The certificate is issued for individuals
  • The contractual return is fixed throughout the certificate tenor
  • The certificate tenor is 18 months
  • The return could be disbursed with instant debit cards
  • The issuance category is EGP 1000 and its increments
  • The certificate's holder is eligible to obtain loans guaranteed by the certificate
  • The value of certificates can be retrieved three months after the certificates come into effect

 

7.      Certificates of guarantee

 

  • The certificate is issued for nominal person with durations of 3, 5 or 7 years
  • The certificate is issued in denomination of EGP 1000 and its multiples
  • The price of the saving schemes revenue for all the durations is determined in the first working day of each month.
  • The revenue of the certificate should not be less than the guaranteed minimum limit of the certificate along the issuance period.
  • The certificate buyer will benefit from the minimum guaranteed limit or the variable revenue whichever is higher for the same certificate
  • The certificates are available for purchase in any day in the first half of the month, and the revenue will be calculated starting the second half of the same month.
  • The revenue will be automatically transferred to current/ saving account.
  • A card will be issued for the buyer exempted from the purchasing fees for the first year
  • The value of the certificate cannot be recovered before the lapse of six months from the date of issuance.
  • The buyer is eligible to get a loan guaranteed by the certificate

 

8.  Banque Misr’s Increasing Interest Certificates of Deposit

 

  • The increasing interest certificate of deposit in local currency
  • The face value certificate with an increasing interest rate in Egyptian pounds has a maturation period of ten years, which is non-renewable
  • The certificate is issued for natural persons only and cannot be relinquished
  • The certificate is issued in denominations of 1,000 Egyptian pounds and its multiples
  • The date of issuance is the first day of the month following the date of purchase
  • Certificates can be purchased from any of Banque Misr’s branches nationwide
  • The yield can be withdrawn from any of Banque Misr’s branches or using a debit card through one of the bank’s many ATMs
  • Customers are exempt from card issuance feed for the first year
  • The annual interest rate begins at 9.75% and goes up to 12%, and is deposited every six months
  • The full value of the deposit can be redeemed after the first three years, without any deductions

 

9.  Companies Certificate: Growing your company’s assets

 

  • Certificates are issued for legal entities with a minimum face value of 100,000 Egyptian pounds and its multiples
  • The certificate has a special feature of a variety of return period ranging from one month to a year
  • The certificate’s maturation period is three or five years, with a competitive fixed interest rate, which is automatically deposited in the certificate holder’s current account
  • Certificate holders can take out loans with up to 80% of the certificates’ value as a guarantee
  • The date of issuance is the same as the date of purchase
  • Certificate holders can redeem the deposited value six months after the date of issuance

 

10.  Choice Certificates in Egyptian pounds “The amount due after maturation is your choice”

 

  • The certificate is issued for natural persons and legal entities in 1,000 Egyptian pound denominations and their multiples; the customer deposits a specific deducted purchase value and receives the face value at the maturation date
  • Competitive compound interest rate that begins from the date of issuance and is returned at the maturation date, along with the deposited purchase value, whereby the customer received the face value at the maturation date
  • The date of issuance is the first day of the month following the date of purchase
  • Certificate holders can take out loans with up to 90% of the certificates’ value as a guarantee
  • The certificate is offered with maturation periods of five and ten years

 

 

Saving Certificates with Foreign Currencies:

 

Saving Certificates with USD

Saving Certificates with Sterling

Banqu Misr Euro Certificates

Choice Certificates in Dollars “The amount due after maturation is your choice”

Increasing Interest Certificates of Deposit in Foreign Currencies

Belady Certificate ( Dollar )

Belady Certificate ( Euro )

Belady Certificate (Australian Dollars)

The Maestro Certificate in Egyptian Pounds

Thabat Dollar Certificate

 

 

 

1.      USD Saving Certificates

 

  • The certificate is nominal and cannot be transferred
  • Categories: 500 USD, 1000 USD, 5000 USD and 10,000 USD
  • The certificate is valid for 3 years
  • Returns are cashed every 6 months
  • The certificate can be fully refunded anytime according to regulations
  • For every 500 USD, there is a chance of winning a monthly draw on a sum of 290,000 pounds annually, given that the saving certificate is active and was not refunded before the day of the draw.
  • For every 500 USD there is a chance of winning:
    • A grand prize of 70k USD in the special draw during February and August each annually.
    • A monthly draw on 15k USD (10 annual draws) except February and August

 

2.      Sterling Saving Certificates

 

  • The certificate is nominal and cannot be transferred.
  • Categories: 300, 600, 1500 and 3000 Sterling
  • The certificate is valid for 3 years
  • Returns are cashed every 3 months
  • The certificate can be fully refunded anytime according to regulations

 

3.      Euro Saving Certificates

 

  • The certificate is nominal and cannot be transferred.
  • Categories: 500 ,1000, 5000 and 10,000 Euros
  • The certificate is valid for 3 years
  • Returns are cashed every 3 months
  • The certificate can be fully refunded anytime according to regulations
  • An amount of the same currency can be borrowed against the value of the certificate

 

 

4.      Choice Certificates in Dollars “The amount due after maturation is your choice”

 

  • The certificate is issued for natural persons and legal entities in 1,000 US dollar denominations and their multiples; the customer deposits a specific deducted purchase value and receives the face value at the maturation date
  • Competitive compound interest rate that begins from the date of issuance and is returned at the maturation date, along with the deposited purchase value, whereby the customer received the face value at the maturation date
  • The date of issuance is the first day of the month following the date of purchase
  • Certificate holders can take out loans with up to 90% of the certificates’ value as a guarantee
  • The certificate is offered with three maturation periods: one, three, and five years

 

 

5.      Increasing Interest Certificates of Deposit in Foreign Currencies

 

  • Certificates are issued for natural persons and legal entities, with a maturation period of 10 years, and the possibility of renewal
  • Certificates are sold in denominations of 500 US dollars or euros and their multiples, with the option of buying certificates or withdrawing the yield from any of the bank’s branches
  • The certificates have an annual compound interest rate
  • Certificate holders can take out loans with the certificates as a guarantee
  • The yield is deposited every month, three months, six months, and one year, and is automatically deposited into the current or savings account
  • A redemption rate with competitive terms, whereby the full value of the certificates can be redeemed without any deductions after a certain period has passed from the date of issuance

 

 

 6.      Belady Certificate ( Dollar )

 

 

Certificate Features:


- The Central Bank of Egypt guarantees to the owners of the Certificates the right to transfer the redeemed amounts and interest in US Dollars to the client's account outside Egypt in case of request and without maximum limit for transfer .

- Without deducting any expenses to the account and without collecting charges upon effecting transfers from Banque Misr.

- Certificates to be purchased through Eelectronic Payment Cards issued by banks out side Egypt or through Bank transfers.


One year Belady Certificate


​- Currency: US$
- Duration: one year
- Interest rate: 3.5%
- Minimum purchase amount: US$ 100 and multiples
- Fixed interest rate throughout the certificate duration.
- Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
- Not redeemable throughout its effective period.
- Issued for Egyptian expatriates in their name and in the name of their minor children.


 

Three ​years Belady Certificate


- Currency: US$
- Duration: 3 years
- Interest rate: 4.5%
- Minimum purchase amount: US$ 100 and multiples
- Fixed interest rate throughout the certificate duration
- Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
- Redemption: Redeemable only after 6 months as of the following business day of purchase date.
- Issued for Egyptian expatriates in their name and in the name of their minor children.
- Redeemable prematurely as per the following applicable redemption values:
- In case of redemption during the period beyond 6 months and up to 12 months from the effective date of the certificate before crediting the 2nd coupon to the customer's account, 90% of the disbursed interest shall be deducted.
- In case of redemption during the period beyond 12 months and up to 24 months from the effective date of the certificate before crediting the 4th coupon to the customer's account, 75% of the disbursed interest shall be deducted.
-  In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate after crediting the 4th coupon to the customer's account, 50% of the disbursed interest shall be deducted.


 

Five years​ Belady Certificate


- Currency: US$
- Duration: 5 years
- Interest rate: 5.5%
- Minimum purchase amount: US$ 100 and multiples
- Fixed interest rate throughout the certificate duration
- Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
- Redeemable only one year as of the following business day of purchase date.
- Issued for Egyptian expatriates in their name and in the name of their minor children.
- Redeemable prematurely as per the following applicable redemption values: 
-  In case of redemption during the period beyond 12 months and up to -24 months from the effective date of the certificate (before disbursing the 4th coupon), 75% of the disbursed interest shall be deducted.
-  In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate (after disbursing the 4th coupon), 60% of the disbursed interest shall be deducted.
-  In case of redemption during the period beyond 36 months and up to 48 months from the effective date of the certificate after crediting the 6th coupon to the customer's account, 50% of the disbursed interest shall be deducted.
- In case of redemption during the period beyond 48 months and up to 60 months from the effective date of the certificate after crediting the 8th coupon to the customer's account, 40% of the disbursed interest shall be deducted.

 

Purchasing Belady Certificate through our correspondents or bank transfer

Purchasing Belady Certificate by E-Payment cards

 

 

 7.      Belady Certificate ( Euro )

 

 

Certificate Features:


- The Central Bank of Egypt guarantees to the owners of the Certificates the right to transfer the redeemed amounts and interest in Euro to the client's account outside Egypt in case of request and without maximum limit for transfer .
- Without deducting any expenses to the account and without collecting charges upon effecting transfers from Banque Misr.


One year Belady Certificate


​- Currency: Euro
- Duration: one year
- Interest rate: 2%
- Minimum purchase amount: Euro 100 and multiples
- Fixed interest rate throughout the certificate duration.
- Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
- Not redeemable throughout its effective period.
- Issued for Egyptian expatriates in their name and in the name of their minor children.


 

Three ​years Belady Certificate


- Currency: Euro
- Duration: 3 years
- Interest rate: 3%
- Minimum purchase amount: Euro 100 and multiples
- Fixed interest rate throughout the certificate duration
- Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
- Redemption: Redeemable only after 6 months as of the following business day of purchase date.
- Issued for Egyptian expatriates in their name and in the name of their minor children.
- Redeemable prematurely as per the following applicable redemption values:
- In case of redemption during the period beyond 6 months and up to 12 months from the effective date of the certificate before crediting the 2nd coupon to the customer's account, 90% of the disbursed interest shall be deducted.
- In case of redemption during the period beyond 12 months and up to 24 months from the effective date of the certificate before crediting the 4th coupon to the customer's account, 75% of the disbursed interest shall be deducted.
-  In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate after crediting the 4th coupon to the customer's account, 50% of the disbursed interest shall be deducted.


 

Five years​ Belady Certificate


- Currency: Euro
- Duration: 5 years
- Interest rate: 3.5%
- Minimum purchase amount: Euro 100 and multiples
- Fixed interest rate throughout the certificate duration
- Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
- Redeemable only one year as of the following business day of purchase date.
- Issued for Egyptian expatriates in their name and in the name of their minor children.
- Redeemable prematurely as per the following applicable redemption values: 
-  In case of redemption during the period beyond 12 months and up to -24 months from the effective date of the certificate (before disbursing the 4th coupon), 75% of the disbursed interest shall be deducted.
-  In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate (after disbursing the 4th coupon), 60% of the disbursed interest shall be deducted.
-  In case of redemption during the period beyond 36 months and up to 48 months from the effective date of the certificate after crediting the 6th coupon to the customer's account, 50% of the disbursed interest shall be deducted.
- In case of redemption during the period beyond 48 months and up to 60 months from the effective date of the certificate after crediting the 8th coupon to the customer's account, 40% of the disbursed interest shall be deducted.

 

Purchasing a Belady Certificate through our correspondents or bank transfer

Purchasing Belady Certificate by E-Payment cards

 

 8.      Belady Certificate (Australian Dollars)

 

The Central Bank of Egypt guarantees to the owners of the Certificates the right to transfer the redeemed amounts and interest in US Dollars to the client's account outside Egypt in case of request and without maximum limit for transfer, without deducting any expenses to the account and without collecting charges upon effecting transfers from Banque Misr. 

 

One year Belady Certificate

 

  • Currency: AUD
  • Duration: one year 
  • Interest rate: 4%
  • Minimum purchase amount: AUD100 and multiples 
  • Fixed interest rate throughout the certificate duration. 
  • Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
  • Not redeemable throughout its effective period. 
  • Issued for Egyptian expatriates in their name and in the name of their minor children.

 

Three ​years Belady Certificate

 

  • Currency: AUD 
  • Duration: 3 years 
  • Interest rate: 5%
  • Minimum purchase amount: AUD100 and multiples 
  • Fixed interest rate throughout the certificate duration 
  • Annual interest rate, paid semi-annually, and accruing as of the following business day of
  • purchase date.
  • Redemption: Redeemable only after 6 months as of the following business day of purchase date.
  • Issued for Egyptian expatriates in their name and in the name of their minor children.
  • Redeemable prematurely as per the following applicable redemption values: 

  • In case of redemption during the period beyond 6 months and up to 12 months from the effective date of the certificate before crediting the 2nd coupon to the customer's account, 90% of the disbursed interest shall be deducted.
  • In case of redemption during the period beyond 12 months and up to 24 months from the effective date of the certificate before crediting the 4th coupon to the customer's account, 75% of the disbursed interest shall be deducted.
  • In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate after crediting the 4th coupon to the customer's account, 50% of the disbursed interest shall be deducted.

 

Five years​ Belady Certificate

 

  • Currency: AUD 
  • Duration: 5 years
  • Interest rate: 6%
  • Minimum purchase amount: AUD100 and multiples 
  • Fixed interest rate throughout the certificate duration 
  • Annual interest rate, paid semi-annually, and accruing as of the following business day of purchase date.
  • Redeemable only one year as of the following business day of purchase date.
  • Issued for Egyptian expatriates in their name and in the name of their minor children.
  • Redeemable prematurely as per the following applicable redemption values: 

 

  • In case of redemption during the period beyond 12 months and up to -24 months from the effective date of the certificate (before disbursing the 4th coupon), 75% of the disbursed interest shall be deducted.
  • In case of redemption during the period beyond 24 months and up to 36 months from the effective date of the certificate (after disbursing the 4th coupon), 60% of the disbursed interest shall be deducted.
  • In case of redemption during the period beyond 36 months and up to 48 months from the effective date of the certificate after crediting the 6th coupon to the customer's account, 50% of the disbursed interest shall be deducted.
  • In case of redemption during the period beyond 48 months and up to 60 months from the effective date of the certificate after crediting the 8th coupon to the customer's account, 40% of the disbursed interest shall be deducted.

 

 

Purchasing a Belady Certificate

 

 

 9.      The Maestro Certificate in Egyptian Pounds

 

  • The certificate is nominal, non-assignable, and non-renewable
  • Only individuals, who live in Egypt or abroad, are eligible to purchase the certificate in their names or on behalf of minors, as per applicable laws and regulations.
  • The certificate is issued in denominations of EGP 500 and its multiples.
  • The certificate currency: Egyptian Pound
  • The certificate tenor: 3 years
  •  Certificate holder is not eligible to receive loans against the certificate value.
  • The assignable currencies: Foreign and Arab currencies excluding the Egyptian pound. The sum fractions are to be transferred to your BM accounts, following the purchase   
  • The annual Return Rate: 15% fixed annual return rate throughout the certificate tenor
  • Frequency of return disbursement: returns are disbursed every 3 months and transferred automatically to the certificate holder's account in Egyptian pound. On the maturity date, the certificate value is transferred also to your account in Egyptian pound. 
  • The Refund Policy: certificate can be refunded after 6 months of the following day of purchasing date.
  • The certificate could be purchased through our correspondents or via bank transfer 
  • the bank has no obligation to transfer the certificate value to other countries on the maturity date or at refund

 

  • Where to purchase Maestro Certificate in Egyption pound :
      • The certificate could be purchased at one of our 500 branches throughout Egypt
      • Or through our correspondents or via bank transfer

 

Purchasing Maestro Certificate in Egyptian Pounds through our correspondents or bank transfer

 

Purchasing The Maestro Certificate by E-Payment cards

 


 10.      Thabat Dollar Certificate

  • The certificate tenors are 3 and 5 years (renewability available)
  • The Certificate is nominal and issued in denominations of US$ 100 and its multiples
  • Highest competitive returns during the certificate's tenor ranging from 4.25% on three-year certificate to 5.25% on five-year certificate.
  • The return rates are fixed, regardless to price fluctuation
  • The certificate holder is eligible to receive a dollar loan equivalent to 90% of the certificate's value 
  • The certificates are available in BM branches throughout Egypt
  • The returns are disbursed every 3 months   
  • The certificate value is wholly or partially refundable in denominations of US$ 100 and its multiples, and according to refund policy