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Current Accounts

Current Account

  

    Is a deposit on demand account in Egyptian Pounds and foreign currencies with the customer’s capacity to deposit or withdraw money.

    Benefits:

    • Debit card issuance
    • Deposits and withdrawals from any of the bank’s branches all over Egypt
    • 24/7 ATM access for deposits and withdrawals
    • Possibility of issuing a cheque book
    • Option of opening joint accounts and accounts for minors
    • Salary and pension transfer to the account
    • The possibility of cheques and bills collection
    • Option of payment of obligations, invoices and money transfers
    • Issuance of Brimo CDs and fixing of time deposits, and crediting their related return
    • Quarterly account statement
    • Free subscription to the Interactive Voice Response (IVR)
    • Return is calculated on some foreign currency accounts

    Terms & Conditions:  

    • Individuals and companies
    • Cash withdrawals can be made via bank receipt, cheques, and debit card or payment orders
    • Return is calculated on minimum monthly balance that exceeds the minimum required amount on accounts in US Dollar, Sterling Pounds and Euro
    • The following table is showing the minimum to open the account and calculate return:  

 

EGP

US Dollars

Euro

Sterling Pounds

Minimum to open an account

               1000

Minimum to calculate return

Bundle account and premium bundle account

$1000

 

€650

 

£650

 

    Required documents:  

    Individuals

    Companies

    National ID

    Passport for foreigners

    Birth certificate for minors

    Recent utility bill (with current address)

    Original contract

    Commercial registry

    Tax card

    (Documentation determined according to entity type) 

       

Bundle Account

  

    A current account with a cumulative monthly return that includes a package of banking services, that offers a return of 3% for individuals and 4% for companies, the minimum required balance for individuals is 5,000 EGP while the minimum required balance for companies is 25,000 EGP.

    Benefits:

    • The account has all the features of the Current account.
    • Returns are according to the following tiers:  

 

Bundle account for individuals

Bundle account for companies

Tiers

Return

Tiers

Return

1 - 4,999 EGP

0%

1 - 24,999 EGP

0%

5,000 EGP and above

3.00%

25,000 EGP and above

4%

 

    • Return on the account (3% for Individuals and 4% for companies)
    • Exemption from debit card issuance and renewal fees
    • Deposits and withdrawals from any of the bank’s branches all over Egypt
    • 24/7 ATM access for deposits and withdrawals
    • Free cheque book issuance
    • The possibility of cheques and bills collection
    • The possibility of payment of obligations, invoices and money transfers
    • Issuance of Brimo CDs, fixing of time deposits, and crediting their related return
    • The possibility of credit cards issuance  free of charge for the first year only, fees are to be collected starting from the first renewal  (terms and conditions apply)
    • Exemption from standing order fees (terms and conditions apply)
    • Free quarterly account statement
    • Free subscription to the Interactive Voice Response (IVR)

    Terms & Conditions:  

    • For individual and companies
    • Return is calculated on the minimum monthly balance that exceeds the minimum required amount
    • The minimum amount to open the account and calculate the return is 5,000 EGP for individuals and 25,000 EGP for companies
    • Account Annual fees 160 EGP for individuals and 240 EGP of companies

    Required documents: 

      Individuals

      Companies

      National ID

      Passport for foreigners

      Birth certificate for minors

      Recent utility bill (with current address)

      Original contract

      Commercial registry

      Tax card

      (Documentation determined according to entity type) 

         

Premium Bundle Account

   

An interest bearing current account that combines the returns of the saving account and the flexibility of the current account, which includes an integrated package of banking services. To open this account a minimum of 1 million EGP for individuals and 500,000 EGP for companies is required.  

 Benefits:

  • The account has all the features of the Current account
  • Returns are according to the following tiers: 

 

Premium Bundle account for individuals

Premium Bundle account for companies

Tiers

Return

Tiers

Return

1-999,999 EGP

0%

1-499,999 EGP

0%

1 million-4,999,999 EGP

2.5%

500,000-999,999 EGP

4.50%

5 million-9,999,999 EGP

3%

1 million-4,999,999 EGP

5.5%

10 million-19,999,999 EGP

4%

5 million-9,999,999 EGP

6.5%

20 million and above

5%

10 Million and above

7%

 

 

  • Exemption from debit card issuance and renewal fees
  • Deposits and withdrawals from any of the bank’s branches all over Egypt
  • 24/7 ATM access for deposits and withdrawals
  • Free cheque book issuance
  • The possibility of cheques and bills collection
  • The possibility of payment of obligations, invoices and money transfers
  • Issuance of Brimo CDs and fixing of time deposits, and crediting their related return
  • The possibility of credit cards issuance free of charge for the first year only, fees are to be collected starting from the first renewal (terms and conditions apply)
  • Exemption from standing order fees (terms and conditions apply)
  • Free quarterly account statement
  • Free subscription to the Interactive Voice Response(IVR)  


Terms & Conditions:  

  • For individual and companies
  • Return is calculated on the minimum monthly balance that exceeds the minimum required amount
  • The minimum amount to open the account and calculate the return is 1 million EGP for individuals and 500,000 EGP for companies
  • Account Annual fees 160 EGP for individuals and 240 EGP of companies

 

Required documents: 

      Individuals

      Companies

      National ID

      Passport for foreigners

      Birth certificate for minors

      Recent utility bill (with current address)

      Original contract

      Commercial registry

      Tax card

      (Documentation determined according to entity type) 

         

Savings Accounts

Saving Account

 Is an account that generates a competitive return with different frequencies that suits your needs, and allows you the freedom of depositing and withdrawing with no limits.

Available in:

Egyptian pounds; with following interest frequencies (Monthly, Quarterly, Semi-Annual and annual)

Foreign Currencies (US Dollars, Euros and Sterling Pounds); with following interest frequencies (Quarterly, Semi-Annual and annual)

    Benefits:

  • Deposits and returns are exempted from all types of taxes
  • Debit card issuance
  • Deposits and withdrawals from any of the bank’s branches all over Egypt
  • 24/7 ATM access for deposits and withdrawals
  • Salary and pension transfer to the account
  • The possibility of cheques and bills collection
  • The possibility of payment of obligations, invoices and money transfers
  • Issuance of Brimo CDs and fixing of time deposits, and crediting their related return
  • Quarterly account statement
  • Free subscription to the Interactive Voice Response (IVR)
  • The possibility of granting an over draft facility against your saving account with same currency, and with simple terms

    Terms & Conditions:  

  • To obtain saving account return, the account minimum monthly balance should be maintained at EGP 1,000
  • Return is calculated on minimum credit balance during the month
  • For Individuals only
  • Cheque books issuance is not allowed
  • The following table is showing the minimum to open the account and calculate return: 

 

 

EGP

US Dollars

Euro

British Pounds

Minimum to open an account

500

-

-

-

Minimum to calculate return

1000

$20

€25

£25

  

    Required Documents:  

  • National ID
  • Passport for foreigners
  • Birth certificate for minors
  • Recent utility bill with current address  

Recurring Deposits Accounts (Insurance & Monthly & Weekly)

    

It is an EGP saving account for depositing whereby fixed installments are periodically (monthly or weekly) deposited, the amount and number of installments are obtained by customer and after the end of contract will get the terminal Value of account included the Cumulative return.

    Benefits:

  • Small periodic installments that guarantees a large lump sum at the contract maturity date whereby obligate to pay a fixed periodically installment
  • Competitive annual interest (fixed & cumulative) according to the following interest rates of the Recurring Deposit Accounts:-   

   

Period

(in years)

1

2

3

4

5

6

7

8

9

10

Period

 (in months)

12

13-24

25-36

37-48

49-60

61-72

73-84

85-96

97-108

109-120

Period

 (in weeks)

52

53-104

105-156

Insurance Recurring Deposit Account

6.75%

6.875%

7.00%

7.125%

7.50%

7.625%

7.75%

8.00%

8.25%

 

8.50%

Monthly Recurring Deposit Account

7.75%

7.875%

8.00%

8.125%

8.50%

8.625%

8.75%

9.00%

9.25%

9.50%

Weekly Recurring Deposit Account

6.50%

6.75%

7.00%

  • Flexible installment amounts start from 100 EGP increasable with multiplies 10 EGP with no maximum amount
  • Flexible saving periods starting from:
      • 12 to 120 months (Insurance RD & Monthly RD) 
      • 52 to 156 weeks (Weekly RD)
  • Possibility of depositing installments at any of deposit`s ATM machine , or any of the bank’s branches all over Egypt
  • Loans and credit cards could be granted against the account balance
  • Values can be redeemed after six months beginning of the contract  

Insurance Recurring Deposit Benefits:

  • Insurance recurring deposit provides free life insurance advantage
  • In case of death if the customer was enrolled in Insurance RD, Inheritors will get the full Terminal Value  

General Terms and Conditions:

  • Individuals only
  • The accounts accept depositing only
  • Depositing date is always specified and fixed (in case of weekends and official holidays, the depositing date is to be the previous working day
  • Avoid late payment of installments to be not charged a delay penalty 3% of its value  

Insurance Recurring Deposit Terms and Conditions:

  • Every customer age`s starts from 20 years up to 65 years will be covered in Insurance benefit
  • Insurance Covered activated after paying first 6 sequenced installments of contract
  • There is a medical test when the terminal value at maturity date reach up to 500,000 EGP for 1 or more than 1 account to same customer
  • Commitment to pay the periodic installments  

 

Examples of values due at maturity date:

 

 Periodic Installment

Tenure

Terminal Value of Insurance RD at maturity date

Terminal Value of Monthly RD at maturity date

 

Terminal Value of Weekly RD at maturity date

 200 EGP

13

2,706 EGP

2,722 EGP

 

Minimum number of paid installments is 52 (1 year), and maximum number of paid installments is 156 (3years)

 360 EGP

37

14,935 EGP

 

15,181 EGP

 

 540 EGP

97

74,632 EGP

 

78,084 EGP

 

55,855 EGP

 170 EGP

120

32,210EGP

 

34,111 EGP

 

22,154 EGP

 110 EGP

55

7,238 EGP

7,418 EGP

6,275 EGP

 330 EGP

71

29,679 EGP

30,648 EGP

24,559 EGP

 120 EGP

131

 minimum number of paid installments is 12 (1 year), and maximum number of paid installments is 120 (10 years)

 

 

17,202 EGP

 490 EGP

155

84,505 EGP

  *Terms and conditions applied

    Required Documents:  

  • National ID
  • Passport for foreigners
  • Birth certificate for minors
  • Recent utility bill with current address 

Increasing Savings account

 

  

It's an account that distributes the eligible for interest balance into tiers, each tier has its own return that increases from one to another.

With the Increasing saving account, the higher the balance the higher the return.

 

Increasing Savings account EGP

  • Increasing Savings account US dollars

Tier

Rate

Tier

Rate

The first 5,000 EGP

0.00%

The first 20.000 $

0.25 %

The next 25,000 EGP

5.25 %

The next 50.000 $

0.50 %

The next 250,000 EGP

9 %

The next 100.000 $

1.00 %

The next 1,000,000 EGP

9.25 %

The next 250.000 $

1.50 %

Remaining Balance

10 %

Remaining Balance

2.00 %

   

    Benefits:

  • Increasing return that reaches 10% EGP , 2% USD.
  • Deposits and returns are exempted from all types of taxes
  • Debit card issuance
  • Deposits and withdrawals from any of the bank’s branches all over Egypt
  • 24/7 ATM access for deposits and withdrawals
  • The possibility of cheques and bills collection
  • The possibility of payment of obligations, invoices and money transfers
  • Issuance of Brimo CDs and fixing of time deposits, and crediting their related return
  • Quarterly account statement
  • Free subscription to the Telephone banking service (IVR)
  • The possibility of granting an over draft facility against your saving account with same currency, and with simple terms

    Terms and Conditions:  

  • An average minimum monthly balance of 5000 EGP is required to earn the return during the year, there's no minimum amount US$.
  • Return is calculated on minimum credit balance during the month 
  • Return is calculated on a monthly basis and credited annually 
  • For Individuals only 
  • Minimum amount to open the account is 500 EGP for Increasing Savings Account EGP, There's no minimum amount to open an account in USD.
  • Cheque books issuance is not allowed 

    Required Documents:   

  • National ID
  • Passport for foreigners
  • Birth certificate for minors
  • Recent utility bill with current address
     
 

Main info. about

Term Deposits

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Certificates Of Deposit

The many types of certificates of deposit issued in Egyptian pounds by Banque du Caire have multiple advantages

 

Retail Loans

Bank Du Caire offers different types of loans for both Private and public sector employees

 

Cards

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Bancassurance

Bancassurance is a set of services and insurance products offered by the Allianz Egypt Life Insurance Group