Banque Misr logo

Banque Misr was established in 1920 by the pioneer economist and financial expert Mohamed Talaat Harb Pasha, who spearheaded the concept of investing in national savings and directing them towards economic and social development. Thus, Banque Misr was established as the first wholly Egyptian - owned bank. Banque Misr has also established major investment funds in Egypt, as part of a diversified portfolio, and was granted an award by the Global Finance Treasury and Cash Management Awards as the ‘Best Provider of Money Market Funds in Africa and the Middle East’ for the years 2009 and 2010 and the ‘Best Provider of Money Market Funds in the Middle East’ for the years 2008, 2012, 2013, 2014 and 2015. The bank was also awarded as the ‘Best Provider of Money Market Funds and Short-Term Investments in the Middle East’ in 2015, 2016, 2017 and 2018. BM was also recognized as best Mandated Lead Arranger in the Egyptian banking market and was ranked second best Bookrunner and Mandated Lead Arranger across Africa in Bloomberg’s Global Syndicated Loans League Tables for the third quarter of 2017. Moreover, on the scale of the Middle East and North Africa region, Banque Misr maintained its top ranking among Egyptian banks, ranking at fifth place among Bookrunners and the sixth place among Mandated Lead Arrangers in the MENA region for the third quarter of 2017. A true pioneer in the region, Banque Misr became the first bank in Egypt and North Africa to become compliant with PCI data security standards, upon obtaining the latest version of the global Payment Card Industry Data Security Standard (PCI DSS 3.2) certification. Utilizing the latest technology in the banking sector, Banque Misr is constantly looking to expand customer access to banking services. Today, Banque Misr is proud to offer one of Egypt’s largest ATM networks, located across all areas of Egypt. Banque Misr’s role is visible in all economic fields due to its geographic outreach. The bank has about 14,500 employees, serving a large base of more than eight million clients in Egypt, with a total paid-up capital amounting to EGP 15 billion. The bank has about 600 electronically integrated local branches, as well as five branches in the United Arab Emirates and one in France, In addition, the bank boasts a regional and global presence, with subsidiaries in Lebanon and Germany, as well as representative officies in China and Russia and a global network of correspondents.



Classic Card

annual fees

150 EGP First year Then 75 EGP

monthly interest rate

2.2%

grace period

Upto 57 days

issuer

Visa / Mastercard

minimum card limit

1,000 EGP

maximum card limit

2,999 EGP

minimum income

1,000

sms alert

Free

points

No

airport lounge access

No

supplementary card fees

75 EGP

cash withdrawal

Upto 100% Of limit

over limit fees

30 EGP

late payment fees

50 EGP

fx markup fees

3%


Gold Card

annual fees

200 EGP First year Then 100 EGP

monthly interest rate

2%

grace period

Upto 57 days

issuer

Visa /Mastercard

minimum card limit

3,000 EGP

maximum card limit

9,999 EGP

minimum income

3,000

sms alert

Free

points

1 Point For Each 1 EGP Spent

airport lounge access

No

supplementary card fees

First 2 Cards For Free, 100 For Each Extra

cash withdrawal

Upto 100% Of limit

over limit fees

30 EGP

late payment fees

50 EGP

fx markup fees

3%


Titanium Card

annual fees

250 EGP First year Then 150 EGP

monthly interest rate

2%

grace period

Upto 57 days

issuer

Mastercard

minimum card limit

10,000 EGP

maximum card limit

24,999 EGP

minimum income

5,000

sms alert

Free

points

1.5 Point For Each 1 EGP Spent

airport lounge access

Yes

supplementary card fees

First 4 Cards For Free, 150 For Each Extra

cash withdrawal

Upto 100% Of limit

over limit fees

30 EGP

late payment fees

50 EGP

fx markup fees

3%


Platinum Card

annual fees

400 EGP First year Then 300 EGP

monthly interest rate

2%

grace period

Upto 57 days

issuer

Visa /Mastercard

minimum card limit

25,000 EGP

maximum card limit

99,999 EGP

minimum income

10,000

sms alert

Free

points

2.5 Point For Each 1 EGP Spent

airport lounge access

Yes

supplementary card fees

First 4 Cards For Free, 300 For Each Extra

cash withdrawal

Upto 100% Of limit

over limit fees

30 EGP

late payment fees

50 EGP

fx markup fees

3%


World Card

annual fees

1000 EGP

monthly interest rate

2%

grace period

Upto 57 days

issuer

Mastercard

minimum card limit

100,000 EGP

maximum card limit

299,999 EGP

minimum income

25,000

sms alert

Free

points

3 Point For Each 1 EGP Spent

airport lounge access

Yes

supplementary card fees

For Free

cash withdrawal

Upto 100% Of limit

over limit fees

30 EGP

late payment fees

50 EGP

fx markup fees

3%


World Elite Card

annual fees

1500 EGP

monthly interest rate

2%

grace period

Upto 57 days

issuer

Mastercard

minimum card limit

300,000 EGP

maximum card limit

800,000 EGP

minimum income

50,000

sms alert

Free

points

3.5 Point per 1 EGP Spent

airport lounge access

Yes

supplementary card fees

Free

cash withdrawal

Upto 100% Of limit

over limit fees

30 EGP

late payment fees

50 EGP

fx markup fees

3%


Current Account

account type

Current Account

interest

No

minimum opening balance

1,500

annual fees

140 EGP

internet banking

Yes

mobile banking

Yes

debit card annual fees

30 EGP

debit card daily withdrawal limit

10000 EGP

withdrawal from other atm fees

6 EGP


Saving Account

account type

Saving Account

interest

Up To 7.75%

minimum opening balance

1,500

annual fees

220 EGP

internet banking

Yes

mobile banking

Yes

debit card annual fees

30 EGP

debit card daily withdrawal limit

10000 EGP

withdrawal from other atm fees

6 EGP


Al Qimma

interest rate

13%

interest frequency

Monthly

tenor

3 Years

secured facility

Upto 90%

Minimum Amount

1,000 EGP


3 Years Floating

interest rate

12.5%

interest frequency

Quarterly

tenor

3 Years

secured facility

upto 75%

Minimum Amount

1,000 EGP


5 Years Fixed

interest rate

10.5% , 11%

interest frequency

Monthly , Quarterly

tenor

5 Years

secured facility

upto 90%

Minimum Amount

1,000 EGP


5 Years Floating

interest rate

12.75% , 12.9% , 13% , 13.15%

interest frequency

Monthly , Quarterly, Semiannually , Annually

tenor

5 Years

secured facility

Upto 80%

Minimum Amount

1,000 EGP


10 Years Fixed

Interest Rate

12.5% , 13% , 13.25% , 13.5%

Interest Frequency

Monthly , Quarterly , SemiAnnual , Annual

Tenor

10 Years

Secured Facility

80%

Minimum Amount

1,000 EGP


7 Years Fixed

Interest Rate

11%

Interest Frequency

Monthly

Tenor

7 Years

Secured Facility

upto 90%

Minimum Amount

1000 EGP


Car Loan

interest rate

18.5% - 21%

minimum salary

2,000 EGP

loan amount

750,000 EGP

loan tenor

7 years

administrative fees

1%

late payment fees

N/A

early settlement fees

5%

i score fees

Free

life insurance

Free

downpayment

20%

Features



Personal Loan

interest rate

18.5% -24%

minimum salary

2,000 EGP

loan amount

500,000 EGP

loan tenor

5 years

administrative fees

3% With Min 250 EGP

late payment fees

2%

early settlement fees

5%

i score fees

Free

life insurance

Free


BM Wallet

available services

Cash deposit, Cash Withdrawal, Money Transfer, Bill Payment, Online Purchasing

subscription fees

free

cash in through agent fees

1.5%

cash in through atm fees

Free

cash out through agent fees

2% with min 2 EGP

cash out through atm fees

N\A

transfer fees person to person

1% with min 2 EGP

bill payment fees

According to fawry fees

maximum wallet balance

10,000 EGP

daily transaction limit

6,000 EGP

monthly transaction limit

50,000 EGP

load wallet

Cash,Debit card,Credit card

special offers

N\A

name



BM Youth

age

From 16 To 21

minimum opening balance

1,500 EGP

account annual fees

130 EGP

interest rate

Upto 9.75%

debit card fees

30 EGP

online purchasing by debit card

NO

withdrawal from other banks atms fees

6 EGP

debit card daily withdrawal limit

10,000 EGP

discounts and promotions

NO

internet banking

Yes
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