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Accounts and Deposits
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  • Certificates

    •  

    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 years with fixed interest

    • Certificates of deposit for 7 years with fixed interest

    • El Tholatheya certificate with Monthly variable interest

    • El Tholatheya certificate with Quarttely variable interest

    • El Ekhtiar certificates of deposit with accumulative interest rate:

    • 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 after 6 months from issuance date
    • 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 after 6 months from issuance date


     

    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 after 6 months from issuance date

     


     

    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 after 6 months from issuance date
    • 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 after 6 months from issuance date
    • Eligibility for secured facility according to Certificates of deposit classification


     


     

    6.    ​El Ekhtiar certificates of deposit with accumulative interest rate:


     

    • The certificate can be issued for individuals only
    • The certificate can be issued for individuals only
    • The certificate tenors are 5/10 years
    • The face value is EGP 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 discounted value, so the client earns the nominal value at maturity
    • The certificate can be fully or partially redeemed after 12 months from issuance date
    • Eligibility for secured facility according to Certificates of deposit classification


     


     


      

    7.   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
    • The certificate can be fully redeemed any time.

     


     

    Types of BANQUE MISR certificates of deposit in the foreign currencies:

  • 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 after 6 months from issuance date for 3 years certificate and after 12 months from issuance date for 5 years certificate


 

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 any Time.


 

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

  • The certificate can be fully or partially redeemed after 6 months from issuance date for 3 years certificate and after 12 months from issuance date for 5 years certificate


 


 

4.    Belady Certificates of deposit in foreign currencies

​Certificate Features

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
  • 1-year tenor Certificate can’t be redeemed
  • 3-years tenor Certificate can be fully or partially redeemed after 6 months from issuance date and after 12 months from issuance date for 5-years tenor certificate

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
  • 1-year tenor Certificate can’t be redeemed
  • 3-years tenor Certificate can be fully or partially redeemed after 6 months from issuance date and after 12 months from issuance date for 5-years tenor certificate

   

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
  • 1-year tenor Certificate can’t be redeemed
  • 3-years tenor Certificate can be fully or partially redeemed after 6 months from issuance date and after 12 months from issuance date for 5-years tenor certificate

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
  • 1-year tenor Certificate can’t be redeemed
  • 3-years tenor Certificate can be fully or partially redeemed after 6 months from issuance date and after 12 months from issuance date for 5-years tenor certificate

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 ​

Certificates of deposit Terms and Conditions ​


 

* For more information please call 19888 or visit the nearest branch of Banque Misr


 


 
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