Accounts and Deposits

SAVING CERTIFICATES

Banque Misr exclusively offers multi advantages certificate of deposits to cater  for all customers’ needs in terms of tenor and value in  both local currency and foreign currencies  

Types of BANQUE MISR savings certificates in the Egyptian Pound:  

• ElQimma Certificate of deposits
• El Tholatheya Certificate of deposits.
• Aman El-Masreen Certificate of deposits
• ElMotazayda Certificate of deposits
• Certificate of deposits with fixed rate.
• ElEkhtar Certificate of deposits, with cumulative interest rate

1.     ElQimma Certificate of deposits

• The certificate tenor is 3 years
• Minimum purchase amount  is EGP 1000 and  its multiples
• The Annual interest rate, paid monthly
• Interest calculation is fixed rate

2.    ElTholatheya Certificate of deposits

• The certificate tenor is 3 years
• Minimum purchase amount  is EGP 1000 and its multiples
• The Annual interest rate, paid quarterly
• Interest calculation  is Variable rate

3.    Aman El-Masreen Certificate of deposits

• The certificate tenor is 3 years

• Minimum purchase amount  is EGP 500 and its multiples not more than EGP 2500 (In all  participating banks)

• The Annual interest rate paid at the end of the certificate period for 3 years after deducting the insurance payments from the interest

•  Interest calculation is Fixed rate

4.    ElMotazayda Certificate of deposits

• The certificate tenor is 10 years and it has the ability to be redeemed after three years with total value

• Minimum purchase amount  is EGP 1000 and its multiples

• The Annual interest rate , paid ( monthly-quarterly-semiannually-annually)  increasing

• Interest calculation is Increasing rate

5.    Certificate of deposits with fixed rate.

• The certificate tenor is 5 years and 7 years
• Minimum purchase amount  is EGP 1200 for 5 years  monthly rate and EGP1000 for 5 years Annual rate and EGP750 for 7years monthly rate  and its multiples
• The Annual interest rate, paid monthly and Annually for 5 years ,and Annual interest rate paid monthly only for 7 years
• Interest calculation Fixed rate

6.    ElEkhtar Certificate with cumulative interest rate

• The certificate tenors are 5,10 years

• Minimum purchase amount  is EGP 621 for 5 years  and is EGP 353 for 10 years 

• The Annual interest rate, paid at the end of the certificate period.

• Interest calculation is Compounded rate

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Types of BANQUE MISR certificate of deposits in the foreign currencies:

• El Thabaat Certificate of deposits with Dollar
• El Thabaat Certificate of deposits with Euro
• Certificate of deposits with variable rate with foreign currencies 
• El Ekhtyar Certificate of deposits with Dollar
• El Motazayda Certificate of deposits with foreign currencies
• Belady Certificate of deposits with foreign currencies

1.    El Thabaat Certificate of deposits with dollar

• The certificate tenor is 3 years and 5 years

• Minimum purchase amount  is $ 100 and its multiples

• The Annual interest rate, paid quarterly

• Interest calculation Fixed rate

6.    El-Ekhtyar Certificate of deposits with Dollar

• The certificate tenors are 1, 3,5 years

• Minimum purchase amount are $ 981 for 1year, $ 916 for 3 years,$ 842 for 5 years.

• The Annual interest rate, paid at the end of the certificates period

• Interest calculation is Compounded rate

7.    El-Motazayda certificate with foreign currencies

• The certificate tenor is 10 years

• Minimum purchase amount are $ 500 or Euro and their multiples

• The Annual interest rate, paid (monthly –quarterly –semiannually –annually )

•  Interest calculation is Increasing rate

8.    Belady Certificate with foreign currencies

Belady Certificate ( Dollar )

• 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: 3.25%
- 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%
- 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, 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, 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, 50% of the disbursed interest shall be deducted.

Five years​ Belady Certificate

- Currency: US$ 
- Duration: 5 years 
- Interest rate: 4.75%
- 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,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, 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, 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, 40% of the disbursed interest shall be deducted.

 

Purchasing Belady Certificate through our correspondents or bank transfer

Purchasing Belady Certificate by E-Payment cards

 Belady Certificate ( Euro )

• 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: .75%
- 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: 1.75%
- 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, 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, 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, 50% of the disbursed interest shall be deducted.

Five years​ Belady Certificate

- Currency: Euro
- Duration: 5 years 
- Interest rate: 2.25%
- 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, 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, 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, 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, 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

 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: 2.5%
• 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.
• Not redeemable throughout its effective period. 
• Issued for Egyptian expatriates in their name and in the name of their minor children.

Three year Belady Certificate 

• Currency: AUD 
• Duration: 3 years 
• Interest rate: 3.5%
• 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,  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, 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, 50% of the disbursed interest shall be deducted.

Five year Belady Certificate 

• Currency: AUD 
• Duration: 5 years
• Interest rate: 4.35%
• 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, 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 , 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, 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, 40% of the disbursed interest shall be deducted.

 Purchasing a Belady Certificate

 Belady Certificate (Sterling Pound)

Certificate Features:

• The Central Bank of Egypt guarantees to the owners of the Certificates the right to transfer the redeemed amounts and interest in Sterling pound 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 outside Egypt or through Bank transfers.

One year Belady Certificate

• Currency: sterling pound (£)
• Duration: one year
• Interest rate: 1%
• Minimum purchase amount: sterling pound (£) 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: sterling pound (£)
• Duration: 3 years
• Interest rate: 1.25%
• Minimum purchase amount: sterling pound (£) 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, 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, 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, 50% of the disbursed interest shall be deducted.

Five years​ Belady Certificate

• Currency: sterling pound (£)
• Duration: 5 years
• Interest rate: 1.375%
• Minimum purchase amount: sterling pound (£) 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, 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, 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, 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, 40% of the disbursed interest shall be deducted.

Purchasing Belady Certificate through our correspondents or bank transfer

Purchasing Belady Certificate by E-Payment Cards

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* Terms and conditions apply

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