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SAVING CERTIFICATES
Banque Misr exclusively offers a bundle of Certificates of deposit with various advantages to meet all customers' needs in terms of tenor and value in both local currency and foreign currencies. Certificates of deposit can be issued from any branch across Egypt, or through both internet banking and mobile banking application.
Types of BANQUE MISR Certificates of deposit in the Egyptian Pound:
Al Qimma Certificate of deposit
Certificates of deposit for 5/7 years with fixed interest
El Tholatheya certificate with Monthly variable interest
El Tholatheya certificate with Quarttely variable interest
Aman El-Masreyeen certificates of deposit
1. Al Qimma
Certificate of deposits
The certificate can be issued for individuals only The certificate tenor is 3 years Minimum purchasing amount is EGP 1000 and its multiples The annual fixed interest rate is paid monthly The certificate can be fully or partially redeemed according to its redemption rules Eligibility for secured facility according to Certificates of deposit classification
2. Certificates of deposit for 5 years with fixed interest:
The certificate can be issued for individuals only The certificate tenor is 5 years Minimum purchasing amount is EGP 1200 for 5 years (paid monthly) and EGP1000 (paid annually) for 5 years annual rate and its multiples The annual fixed interest rate is paid monthly / annually The certificate
can be fully or partially redeemed according to its redemption rules
3. Certificate of
deposit for 7 years with fixed interest:
The certificate can be issued for individuals only The certificate tenor is 7 years Minimum purchasing amount is EGP 750 and its multiples The annual fixed interest rate is paid monthly The certificate
can be fully or partially redeemed according to its redemption rules
4. El Tholatheya certificate with Monthly Variable interest
The certificate can be issued for individuals only The certificate tenor is 3 years Minimum purchasing amount is EGP 500 and its multiples The annual variable interest rate is paid Monthly The certificate can be fully or partially redeemed according to its redemption rules Eligibility for secured facility according to Certificates of deposit classification
5. El Tholatheya
certificate with Quarterly Variable interest
The certificate can be issued for individuals only The certificate tenor is 3 years Minimum purchasing amount is EGP 1000 and its multiples The annual variable interest rate is paid quarterly The certificate can be fully or partially redeemed according to its redemption rules Eligibility for
secured facility according to Certificates of deposit classification
6. Aman
El-Masreyeen certificates of deposit
The certificate
can be issued for individuals only from 18 years old till 59 years old The certificate tenor is 3 years Minimum purchasing amount is EGP 500 and its multiples not more than EGP 2500 (in all participating banks) The annual interest rate is paid at maturity The certificate offers a life insurance policy Possibility of winning a prize of EGP 10,000 in a quarterly draw Every EGP 500 is a chance of winning in the draw The winning is not allowed to enter any other draw
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El Thabat USD/EURO with fixed interest
Certificates of deposit USD/EURO/GBP
with variable interest
El Ekhtiar certificates of deposit with
accumulative interest rate in USD
Belady certificates of deposit in
foreign currencies
1. El Thabat USD/ EURO with fixed interest:
The certificate can be issued for individuals or corporate customers
The certificate tenor is 3 years and 5 years
Minimum purchasing amount is USD/EURO 100 and its multiples
The annual interest rate is paid quarterly
The certificate can be fully or
partially redeemed according to its redemption rules
2. Certificates of deposit USD/EURO/GBP
with variable interest:
The certificate can be issued for individuals or corporate customers
The certificate tenor is 3 years
Minimum purchasing amount is USD/EURO 500 and GBP 300
and its multiples
The annual interest rate is paid semi annually
The certificate can be fully or
partially redeemed according to its redemption rules
3. El Ekhtiar certificates of deposit with
accumulative interest rate in USD:
The certificate can be issued for
individuals or corporate customers
The certificate tenors are 3/5 years
The face value is USD 1000 and its multiples, and it is issued with a discounted value according to its period
the interest rate is compounded and paid at maturity in addition to its market value, so the client earns the nominal value at maturity
The certificate can be issued from any branch across Egypt
4. Belady Certificates of deposit in foreign currencies
The Central Bank of Egypt guarantees to the owners of
the Certificates the right to transfer the redeemed amounts and interest in
USD/EURO/AUD/GBP to the client's account outside Egypt upon the customer request
and without maximum limit for transfer
No expenses or commissions to be collected on accounts
or transfers from Banque Misr
Certificates to be purchased through E-Payment Cards
issued by banks outside Egypt or through bank transfers
Belady certificates of deposit in USD
The certificate can be issued for non-resident Egyptian individuals
The certificate tenor is 1/3/5 years
Minimum purchasing amount is USD 100 and its multiples
The annual fixed interest rate is paid semi annually
The certificate can be fully or partially redeemed
according to its redemption rules
Purchasing Belady Certificate through our correspondents
or bank transfer
Purchasing Belady Certificate by E-Payment cards
Belady certificates of deposit in Euro
The certificate can be issued for non-resident Egyptian individuals
The certificate tenor is 1/3/5 years
Minimum purchasing amount is EURO 100 and its multiples
The annual fixed interest rate is paid semi annually
The certificate can be fully or partially redeemed according to its redemption rule
Purchasing a Belady
Certificate through our
correspondents or bank transfer
Purchasing Belady
Certificate by E-Payment cards
Belady Certificates of deposit in
Australian Dollar
The certificate can be issued for non-resident Egyptian individuals
The certificate tenor is 1/3/5 years
Minimum purchasing amount is AUD 100 and its multiples
The annual fixed interest rate is paid semi annually
The certificate can be fully or
partially redeemed according to its redemption rule
Purchasing a Belady Certificate
Belady Certificates of deposit in
Sterling Pound
The certificate can be issued for non-resident Egyptian individuals
The certificate tenor is 1/3/5 years
Minimum purchasing amount is GBP 100 and its multiples
The annual fixed interest rate is paid semi annually
The certificate can be fully or
partially redeemed according to its redemption rule
Purchasing Belady Certificate through our
correspondents or bank transfer
Purchasing Belady
Certificate by E-Payment Cards
Interest rates of Certificates in local and foreign currencies
* For more information please call 19888 or visit the nearest branch of Banque Misr