Banque Misr

Banque Misr is a state-owned Egyptian bank founded in 1920 and headquartered in Cairo, providing retail, corporate, SME, investment, and Islamic banking services under Central Bank of Egypt supervision. The bank operates a nationwide network of branches and ATMs across all governorates and maintains an international footprint in select Middle Eastern and European markets, including the UAE and Lebanon, serving resident and non-resident customers. Core products include current and savings accounts, time deposits and certificates of deposit, local “Meeza” cards alongside Visa and Mastercard debit and credit cards, personal and auto loans, residential mortgages under national initiatives, and Sharia-compliant financing offered through dedicated Islamic banking channels. Corporate and institutional services cover working-capital lines, term lending, project finance, trade finance (letters of credit, collections, guarantees), cash management, merchant acquiring, and payroll solutions, with investment and capital markets activities handled via group units such as Misr Capital and non-bank financial services including leasing through BM Lease. Digital channels include online and mobile banking, QR acceptance, instant payments via the national network, and BM Wallet for e-money, with IBAN support and SWIFT connectivity (BIC: BMISEGCX) for domestic and cross-border transfers. The bank publishes tariffs for accounts, cards, transfers, and cash services, and regularly issues time-bound savings instruments subject to central bank policy and liquidity conditions; documentation, KYC, and eligibility requirements apply and may vary by product. Operations adhere to local prudential, AML/CFT, FATCA/CRS, and data protection obligations, and deposits fall under the national deposit insurance framework as implemented in Egypt. Customer experience, fees, limits, and processing times can differ by channel and branch, and product features, rates, and terms are subject to change; prospective clients should confirm current requirements and conditions directly with the bank before applying.