1. Current account:
 With Banque Misr current account, you can enjoy the flexibility of withdrawing and depositing your money. You can also perform your daily banking transactions and get all your basic banking needs. An account on demand to be opened in the name of the customer without return, the customer may deposit or withdraw cash in the account whenever he wants with no duration limit in accordance with the Islamic Shariah.

Features of Current Account:

• Account is available for both Individual
• Minimum balance for opening the account for individuals is EGP 2500 and 100 units for foreign currencies
• Possibility of opening the account for Egyptians living abroad
• Perform all of your banking transactions through Banque Misr branches across Egypt
• Cheque books issuance to facilitate your banking transactions
• Possibility of issuing Debit card
• Convenient access to your account 24/7, through our vast ATM network across Egypt
• Perform and inquire about most of your banking transaction for free through the internet banking service and mobile banking application provided by Banque Misr
• Perform and Inquire about some of your banking transactions for free through IVR service provided by Banque Misr.
• Possibility to open a joint account
• Payment for different commitments from the account on your behalf upon your standing instructions
• Salary and pension can be transferred to the account from entities upon your request

 

2. Kenana Plus Account with Daily Return:

(Your Balance increases every day)

Now you can combine between benefits of both current and saving accounts through Kenana Plus account with daily return. Kenana Plus account provides you with daily competitive return calculated on your account balance and to be added daily in accordance with Islamic Shari’ah. Moreover, the account enables accessibility to your money and you can execute your daily transactions easily.

• The account is available for individual customers (both Egyptians and Foreigners) only with minimum age 21 years.
• Minimum balance of opening account is EGP 50,000.
• Special return rate calculated and added to the account daily.
• Possibility of issuing cheque books to facilitate your daily banking transactions.
• Convenient access to your account 24/7, through our vast ATM network across Egypt.
• The possibility to inquire about your accounts and conducting many of your bank transactions for free through the internet banking service and BM mobile banking app provided by Banque Misr.
• The possibility to inquire about your accounts through Banque Misr Interactive voice response service (IVR) by calling the call center 19888.

3.Kenana Plus Accounts:

A deposit account in Local currency for individual customers to be opened according to Islamic Shariah with flexible return paying options (monthly / quarterly / semi-annually/annually) automatically added to the customer's account where return is calculated on the basis of the lowest credit balance during the month according to the applicable tiers and according to bank achievements. Possibility of depositing or withdrawing cash in the account whenever you want with no duration limit, you can also apply for a secured facility against account balance in accordance with regulations and instructions issued by the bank. Funds of such accounts are invested in Islamic projects in accordance with the Islamic Shariah, with Banque Misr acting as an authorized agent of investors in determination of investment fields and return on investment rate and in accordance with Mudaraba contract.

 

4.Investment Accounts:

A deposit account that allows you to invest your balances in foreign currencies and gain semi-annual return in accordance with Islamic Shari’ah. The return is calculated on the basis of the lowest credit balance during the month according to bank achievements. The account allows you to deposit or withdraw cash whenever you want with no duration limit. The bank acts as an authorized agent of investors in determination of investment fields and return on investment rate and in accordance with Mudaraba contract.

Benefits of Kenana Plus and Investment Accounts in both local and foreign currencies:                 

• Account is available for both Individual.
• Minimum balance for opening the account for individuals is EGP 3000 and 100 units for foreign currencies
• Possibility of opening the account for Egyptians living abroad
• Perform all of your banking transactions through Banque Misr branches across Egypt
• Cheque books issuance to facilitate your banking transactions
• Perform and inquire about most of your banking transaction for free through the internet banking service and mobile banking application provided by Banque Misr
• Perform and Inquire about some of your banking transactions for free through IVR service provided by Banque Misr.
• Possibility to open a joint account

  In addition to other benefits of Accounts in local currency that fulfill all your needs:

• Possibility of issuing Debit card
• Convenient access to your account 24/7, through our vast ATM network across Egypt
• Payment for different commitments from the account on your behalf upon your standing instructions
• Salary and pension can be transferred to the account from entities upon your request

 

5.Hewalty Islamic Current Account

Whether you receive money transfers in Egyptian pound or various foreign currencies, Banque Misr has the appropriate account for you.

Banque Misr provides two types of Hewalty account in Egyptian pound and US Dollar in accordance with the Islamic Shari’ah to choose the suitable one according to your banking needs as follows:

Hewalty Account in EGP

A practical way to add incoming remittances / transfers from abroad in Egyptian pound and other foreign currencies (with the equivalent in EGP) to the account with the possibility of issuing a debit card on the account to avail cash withdrawals or purchases using the card, with the flexibility to withdraw money whenever you want, along with accessibility to the account via our electronic channels "Internet and Mobile Banking".

Hewalty Account in USD

A practical way to add incoming remittances / transfers from abroad in US Dollar to the account with the possibility of issuing a debit card on the account to avail cash withdrawal or purchases with the equivalent in Egyptian pound through ATMs, with the flexibility to withdraw money in USD from the branches whenever you want, along with accessibility to the account via our electronic channels "Internet and Mobile Banking".

Benefits of Hewalty Account:

• The account is available for individual customers with minimum age of 21 years.
• The account is available in Egyptian pound and US Dollar in all of the bank branches.
• The account opening is free of charge with no required minimum balance.
• Receiving incoming remittances and transfers with no maximum limit.
• Availability of issuing a debit card on both accounts in Egyptian pound and US dollar.
• Enjoy automatically exchange at a preferential rate for the incoming foreign currencies on Hewalty EGP account, with the possibility of withdrawing through ATMs using debit cards or from the branches in case of the amounts exceeding the maximum daily cash withdrawal from ATMs.
• Enjoy automatically exchange at a preferential rate for the incoming US dollar on Hewalty USD account in case of withdrawing through ATMs using the debit card as the withdrawal is available in local currency, with the possibility of withdrawing from the branches in US dollar.
• Free registration for the internet banking service and BM mobile banking app which enables you to inquire about the account balance/ transfer from the account to other accounts within the bank whenever you want.

 

6. Al Mongez Current Account:

(Your financial transactions in one step)

Now you can open a bank account for your Economic Activity only with your National ID, if you are one of the craftsmen /self-employed professions and enjoy many benefits with no need to submit official documents to prove your activity.

"Al Mongez" current account from Banque Misr is the easy way to execute your daily banking transactions and getting all your banking needs in accordance with Islamic Shari’ah regulations.  

Al Mongez Current Account Features:

• The account opening is free of charge and with a minimum balance of EGP 100
• Exemption from applicable periodical fees for the account within the first year and 50% of fees starting from the second year.
• Issuing a debit card for free and exemption of 50% of the renewal fees starting from the second year.
• The possibility to apply for the electronic collection services such as (QR code\POS\E-Commerce).
• Cheque books issuance to facilitate your banking transactions
• Convenient access to your account through the bank branches, in addition to our vast ATM network across Egypt 24/7
• Ease of inquiring about your accounts and carrying out many of your banking transactions for free through the services provided by Banque Misr:

1. Internet Banking service and BM online application
2. Banque Misr Interactive voice response service (IVR) by calling the call center 19888

 

Terms and conditions for Al Mongez Current Account:

• The account is available for new Egyptian individual customers with minimum age of 21 years.
• Maximum daily, monthly transactions and account balance limits are applied on the account as following:

Maximum limit	EGP
Maximum daily transactions limit (debit)	EGP 60,000
Maximum Monthly transactions limit(debit)	EGP 200,000
Maximum account Balance	EGP 400,000

 
( In case of exceeding the maximum limits, the exceeded transactions will be rejected automatically)

• The maximum daily and monthly limits are applied to total withdrawals, transfers or any debit transactions except for the transactions automatically executed by the system.
• The account allows you to execute all your banking transactions with the above limits except for the following transactions: 

1. Standing instructions on the account
2. Swapping transactions debit/credit on Al Mongez account.
3. Loans, Murabaha and credit card transactions.
4. Direct Debit Authority transactions (Mandate). 

 

 

7. Investment Saving Accounts:

Banque Misr investment Saving Account offers convenient way to earn return on your savings in local and different foreign currencies with flexible return paying options according to Islamic Sharia, while maintaining your ability to withdraw and transfer money and get all your main banking needs whenever you want where the funds of such accounts are invested in Islamic projects in accordance with the Islamic Shariah, with Banque Misr acting as an authorized agent of investors in determination of investment fields and return on investment rate and in accordance with Mudaraba contract.

Benefits of Saving Account in both local and foreign currencies: 

• Accounts are available for Individuals only
• Minimum balance for opening the account for individuals is EGP 3000 and 100 units for foreign currencies
• Perform and Inquire about most of your banking transactions for free through the internet banking service and mobile banking application provided by Banque Misr
• Perform and inquire about some of your banking transactions for free through Interactive Voice Response (IVR) service provided by Banque Misr.
• Possibility of opening the account for Egyptians living abroad
• Possibility to open a joint account
• Perform all of your banking transactions through Banque Misr branches across Egypt
• Return on amount deposited in saving accounts is calculated on the basis of the lowest credit balance during the month according to the applicable tiers
• Possibility of granting secured facility against saving account in accordance with regulations and instructions issued by the bank

In addition to other benefits of Saving Account in local currency that fulfill all your needs:

• Flexible choices of return payment frequency (monthly / quarterly / semi-annually / annually)
• Possibility of issuing Debit card
• Convenient access to your account 24/7, through our vast ATM network across Egypt
• Possibility for issuing Credit card against saving account
• Payment for different commitments from the account on your behalf upon your standing instructions
• Salary and pension can be transferred to the account from entities upon your request

 

 

8. Kenana Youth Saving Account

A new special account designed for customers between 16 to 35 years to offer them the ability to invest their money in accordance with the Islamic Shariah Regulations with a wide range of benefits.

Benefits of Kenana Youth Saving Account:

• You can open the account without account opening fees.
• The minimum amount for account opening and return calculation is EGP 500
• Earn the highest declared return rates applied on the saving account with a maximum balance of EGP 20,000 and then declared return rates will be applied on extra amounts
• Flexible choices of return payment frequency (monthly / quarterly / semi-annually / annually)
• Possibility of issuing a debit card free of charge for the first year
• Receive vouchers for a variety of merchants, restaurants and others or free mobile balance for any telecommunication company if your account reaches EGP 7000 or more for three consecutive months
• Convenient access to your account 24/7, through our vast ATM network across Egypt
• The account is available for customers starting at the age of 16 years to manage their accounts in issuing certificates of deposit or term deposits, or other various banking transactions
• Perform and inquire about most of your banking transactions for free through the internet banking service and mobile banking application provided by Banque Misr
• Perform and inquire about some of your banking transactions for free through the IVR service provided by Banque Misr by calling BM Call Center 19888.

 

9. Al Mongez Investment Saving Account
      

Now you can open a bank account only with your National ID to invest your money and enjoy many different benefits without income proof, "Al Mongez" saving account from Banque Misr is the easy way to get a competitive return rate on your money while executing your daily banking transactions and getting all your banking needs in accordance with Islamic Shariah regulations

 

• The account opening is free of charge and with a minimum balance of EGP 100.
• Special return rate with monthly frequency.
• Exemption from applicable maintenance fees for the account within the first year and 50% of fees starting from the second year.
• Issuing a debit card for free at the first year and exemption of 50% of the announced renewal fees starting from the second year.
• Convenient access to your account 24/7, through our vast ATM network across Egypt.
• Banque Misr Certificates of deposit can be issued from the account and automatically add the return to the account.
• You can inquire about your accounts and conducting many of your bank transactions for free through our following services:

1. Internet Banking service and BM online application
2. Banque Misr Interactive voice response service (IVR) by calling the call center 19888

 

Terms and conditions for Al Mongez Account:

• The account is available for new customers who are Egyptian individuals with minimum age of 21 years.
• Maximum daily, monthly transactions and account balance limits are applied on the account as following:

 

 

Maximum limit	EGP
Maximum daily transaction limit (debit)	EGP 60,000
Maximum Monthly transaction limit(debit)	EGP 200,000
Maximum account Balance	EGP 400,000

(In case of exceeding the maximum limits, the exceeded transactions will be rejected automatically)

• The maximum daily and monthly limits are applied to total withdrawals, transfers or any debit transactions except for the transactions automatically executed by the system.
• The account allows you to execute all your banking transactions with the above limits except for the following transactions:

1. Standing instructions on the account
2. Swapping transactions debit/credit on Al-Mongez account.
3. Loans, Murabaha and credit card transactions.
4. Direct Debit Authority transactions (Mandate).
5. Collection of post-dated bills/cheques on account
   
   

 

 

10. Al-Momken Investment Saving Account       

(Special Account for People of Determination)

Because you are special, Banque Misr offers you “Al-Momken Saving Account” with monthly return. This account enables you to invest your money and gain a competitive return rate and enjoy many different benefits which suit all your banking needs in accordance with Islamic Shari’ah regulations.

 

Al Momken Saving Account Features:

• Internet Banking service and BM online application
• Banque Misr Interactive voice response service (IVR) by calling the call center 19888         

 

The Required Documents for Account Opening:

• The account opening is free of charge and with a minimum balance of EGP 100
• Special return rate with monthly frequency.
• Exemption from applicable maintenance fees for the account within the first year and 50% of fees starting from the second year.
• Issuing a debit card for free at the first year and exemption of 50% of the announced renewal fees starting from the second year.
• Convenient access to your account 24/7, through our vast ATM network across Egypt
• The possibility to inquire about your accounts through Banque Misr Interactive voice response service (IVR) by calling the call center 19888.
• Banque Misr Certificates of deposit can be issued from the account and automatically add the return to the account.
• The account is available for new customers who are Egyptian individuals with minimum age of 21 years.
• Maximum daily, monthly transactions and account balance limits are applied on the account as following:
• In case of exceeding the maximum limit of amounts, the transactions that exceed the limit will be rejected from system.
• The maximum daily and monthly transactions apply to total withdrawals, transfers or any debit transactions except for transactions automatically executed by the system.
• The account allows you to execute all your banking transactions with the above limits except for the following transactions:
  
  
  1. Standing instructions on account.
  2. Swapping transactions debit/credit on the account.
  3. Loans, Murabaha and credit card transactions.
  4. Direct Debit Authority transactions (Mandate).
  
  
  
• The account is available for Egyptian and foreign individual customers.
• The account opening is free of charge and with a minimum balance of only EGP 500.
• The account allows you to gain monthly special return rate.
• The special return rate is applied on balance starting from EGP 500
• Free debit card issuance.
• Perform all of your banking transactions through Banque Misr branches across Egypt with the availability of selected branches with up-to-date facilities to make your journey at the branch easier. To view the list of these branches, please click the following link: Click here
• Convenient access to your account 24/7, through our vast ATM network across Egypt with the availability of innovative ATMs to facilitate your banking transactions. To view the list of these ATMs, please click the following link: Click here
• You can inquire about your account and conducting many of your banking transactions for free through our following services:
• Identification Document
• The medical report or the social solidarity card. 

Return rates of Islamic liabilities products In local and Foreign currencies 

Click Here

*Terms and conditions apply