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:
- Ibn Masr Certificate of deposits
- ElQimma Certificate of deposits
- El Tholatheya Certificate of deposits.
- Aman El-Masreen Certificate of deposits
- Certificate of deposits with fixed rate.
- ElEkhtar Certificate of deposits, with cumulative interest rate
1. Ibn Masr Certificate of deposits
Certificate Features
Certificate Type: nominal and not transferrable Only issued to natural persons Certificate Duration: 12 months non-renewable, commencing on the business day following the date of purchase. Certificate Category: EGP 1,000 and multiples Payout and Frequency: Fixed revenue of 15% per annum, with monthly payout Purchasing the Certificate: The certificate may be purchase via internet banking or the mobile banking application – BM Online – or through the call center or by email as follows:
Current Banque Misr Customers
1- Add
the amount at which you wish to purchase the certificate to your account, via
bank transfer to your BM account. 2- Ibn
Misr Certificate can purchased through one of the following ways: 3- An SMS confirming
the purchase of the certificate shall be sent the following day at the latest. New Banque Misr Customers - A transfer shall be made from the customer’s bank to Banque Misr account no. (Ibn Masr 1000290000000030).
- Ensure adding “the purpose of the transfer is depositing Ibn Masr Certificate”, as well as the customer’s ID no. and mobile no. The transfer shall not be accepted without the required data.
- An SMS confirming the receipt of the request shall be sent the following day.
Important Information - You are kindly requested to refrain from visiting the branch to avoid overcrowding and to ensure your safety and the safety of BM personnel.
- Cash deposits shall not be accepted for purchasing the certificate
- The certificate may not be redeemed before six months
- If the certificate is redeemed after six months, an annual return of 7% shall be calculated.
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2. 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
3. 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
4. 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
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
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
- 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
2. El Thabaat Certificate of deposits with Euro
- The certificate tenor is 3 years and 5 years
- Minimum purchase amount is Euro 100 and its multiples
- The Annual interest rate, paid quarterly
- Fixed rate
3. Dollar certificate of deposits with variable rate
- The certificate tenor is 3 years
- Minimum purchase amount is $ 500 and its multiples
- The Annual interest rate, paid semi annually
- Interest calculation is Variable rate
4. Sterling certificate of deposits with variable rate
- The certificate tenor is 3 years
- Minimum purchase amount is Sterling 300 and its multiples
- The Annual interest rate, paid semi annually
- Interest calculation is Variable rate
5. Euro certificate of deposits with variable rates
- The certificate tenor is 3 years
- Minimum purchase amount is Euro 500 and its multiples
- The Annual interest rate, paid semi annually
- Interest calculation is Variable rate
6. Belady Certificate with foreign currencies
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
- 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
- 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
- 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 )
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
- 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
- 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
- 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
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
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
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 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
- 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
- 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
- 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
Interest rates of Certificates in local and foreign currencies
* Terms and conditions apply
* For more information please call 19888 or visit the nearest branch of Banque Misr
