Fees and Charges

Commissions Annex of Scurities Custody & Administration
Commissions / Expenses	Types of Service
EGP 15 in addition to actual stamp duty	Open an account for the customer (individual / establishments)
0.05% (half in a thousand) for each security type with a minimum of EGP 10 (closing rate of the previous (preceding) day at a maximum of EGP 100)	Deposit securities with the central Custody
0.1% (one in a thousand) half a year with a minimum of EGP 20 to be deducted on 31/12 collectible on each security	Charges of Custody of securities deposited with the central custody
0.1% (one in a thousand) with a minimum of EGP 100 (Closing rate of the previous “preceding” day of transfer) for each security type	Transfer to another custody trustee
EGP 20 a year / 3 dollars or equivalent	Statements of accounts to be sent four times a year (quarterly)
EGP 5 on request	Charges (expenses) of the issue of a statement of account
Without commission	Transfer from another custody trustee
1% (one percent) with a minimum of EGP 2 and a maximum of EGP 500 (of the net value of the collected coupon after deducting taxes)	Coupon cash operation
Note: The said fees collected from the net coupon after deducting taxes
0.1% (one in a thousand) with a minimum of EGP 10 and a maximum of EGP 3000	Receiving subscription /sale & purchase of securities deposited with the central custody (holding)
0.1% (one in a thousand) with a minimum of EGP 50 and a maximum of EGP 150	Receiving transactions of the sale and purchase of securities kept (held) in the bank’s safes
0.1% (one in a thousand) with a minimum of EGP 20 and a maximum of EGP 150 for each security type	Deposit and withdrawal of securities held in the bank’s safes
0.2% (two in a thousand) with a minimum of EGP 5 a month (closing rate of the previous day at the end of each month) to be collected monthly for each security type	Charges (expenses) of holding the securities deposited with the bank’s safes
EGP 10 Upon request	Charges of issuing a certificate
Custody Services for:
Asset Management Companies	Commessions set according to special arrangements for each case according to the suggestions of:
Brokerage Companies	CEO of E-Banking and Head of International Banking
CIB Companies	Acting CEO of the Institutional Sector
Issuer Companies	Approval of / Chief Executive Officer and Board Member

Financial Housing Units
Commission / Fees	Service Type
	Financing housing units
EGP 300	Application Fee
EGP 500	Legal Investigation
* EGP 50 For self-employed & professionals	Site Investigation
* EGP 800 for the Flat (to be paid to the appraiser) + Transportation in case of the apprised property out of Cairo) * EGP 1600 for the Villa (to be paid to the appraiser) + (Transportation in case (of the apprised property out of Cairo	Appraisal Fee
EGP 200 for Flat & 400 for Villa (Paid to the bank)	Appraisal Admin Fee
1.5% of the loan amount (Max of EGP 50,000 for salaried Customers)	Admin Fee
5% of the paid amount	Early Settlement fee
0.372% and it’s a part of the interest rate	Life Insurance premium (Paid (Monthly
0.2% X Loan Amount X Loan Tenor	Property Insurance
0.1% X Loan Amount X Loan Tenor	Property Insurance Admin Fee (Single Premium )
Calculated on a case-by-case basis by the 3rd party registration Company	Registration Fees & Expenses
5% over the current interest rate	Late Penalty
2%	Loan Reschedule Fees
Commission / Fees	Secured Mortgage Loans
300 EGP	Application Fee
* EGP 800 for the Flat (to be paid to the appraiser) + Transportation in case of the apprised property out of Cairo) * EGP 1600 for the Villa (to be paid to the appraiser) + Transportation in case of the apprised property out of Cairo)	Appraisal Fee
EGP 200 for Flat & 400 for Villa	Appraisal Admin Fee
1.5% of the loan amount (Max of EGP 50,000 for salaried Customers)	Admin Fee
5% of the paid amount	Early Settlement fee
5% over the current interest rate	Late Penalty

Overdraft
Description	Fees & Charges
Highest Monthly Debit Balance commission that is calculated on the highest debit balance in the month and it is debited at end of month	0.125% ( EGP 1.25 for each EGP 1000) For Overdraft lines secured by time deposits or certificate of deposit, the commission will be 0.1% (EGP 1 for each EGP 1000) minimum amount of 5 EGP or 2 USD For Overdraft lines secured by credit amount held in saving account in EGP, customers with this line will be waived from this commission.
Personal Loan
Description	Fees & Charges
Administration Fees on the total Loan Amount (Paid once)	1.5% from Loan amount in Case of • Salary Transfer with Undertaking to notify the bank in case service ended • Secured facilities by CDs/TDs 2% for any other Type of Customers
Assessment Fees	EGP 150 (Paid once)
Services Charges Fees	EGP 20 (Monthly)
Late Payment Fees	5% on the Amount Due
Early Payment Fees (Full & Partial)	5% from the Total Paid Amount
Rescheduling Fees	2% on the Remaining Balance
Auto Loan
	Fees & Charges
Administration Fees on the total Loan Amount (Paid once)	1.5% from Loan amount in Case of • Salary Transfer with Undertaking to notify the bank in case service ended 2% for any other Type of Customers
Assessment Fees	EGP 150 (Paid once)
Services Charges Fees	EGP 20‭ (‬Monthly‭)‬
Late Payment Fees	5%‭ ‬on the Amount Due
Early Payment Fees (Full & Partial)	5%‭ ‬from the Total Paid Amount
Rescheduling Fees	2%‭ ‬on the Remaining Balance

Safe Box
العمولات / المصاريف			Tariff	Tariff Section
Wealth	Plus	Core	Types	Safe Box
5 CM	5 CM	5 CM
7.5 CM	7.5 CM	7.5 CM
10 CM	10 CM	10 CM
15 CM	15 CM	15 CM
20 CM	20 CM	20 CM
30 CM	30 CM	30 CM
5‭ ‬CM Free	5 CM Free	5 CM for 800 EGP	Fees ‭(‬Annual‭)‬
7.5‭ ‬CM Free‭ ‬	7.5 CM for 250 EGP	7.5 CM for 1000 EGP
10‭ ‬CM for 350‭ ‬EGP	10 CM for 500 EGP	10 CM for 1400 EGP
15‭ ‬CM for 450‭ ‬EGP‭ ‬	15 CM for 700 EGP	15 CM for 1800 EGP
20‭ ‬CM for 600‭ ‬EGP‭ ‬	20 CM for 900 EGP	20 CM for 2400 EGP
30‭ ‬CM for 800‭ ‬EGP	30 CM for 1200 EGP	30 CM for 3000 EGP
5 CM Free	5 CM Free	5 CM for 800 EGP	Insurance ‭(‬Annual‭)‬
7.5 CM Free	7.5 CM for 250 EGP	7.5 CM for 1000 EGP
10 CM for 350 EGP	10 CM for 500 EGP	10 CM for 1400 EGP
15 CM for 450 EGP	15 CM for 700 EGP	15 CM for 1800 EGP
20 CM for 600 EGP	20 CM for 900 EGP	20 CM for 2400 EGP
30 CM for 800 EGP	30 CM for 1200 EGP	30 CM for 3000 EGP

New Accounts
العمولات / المصاريف
Wealth	Plus	Core	Tariff	Tariff Section
Free	25‭ ‬EGP or Equivalent	50 EGP or Equivalent	New Account Fees	New Accounts
100‭ ‬EGP or Equivalent	100 EGP or Equivalent	100 EGP or Equivalent	Admin fees
Q‭ : ‬90‭ ‬EGP	Q‭ : ‬90‭ ‬EGP	Q‭ : ‬90‭ ‬EGP	Statement fees
M‭: ‬175‭ ‬EGP	M‭: ‬175‭ ‬EGP	M‭: ‬175‭ ‬EGP
W‭: ‬250‭ ‬EGP	W‭: ‬250‭ ‬EGP	W‭: ‬250‭ ‬EGP
D‭: ‬400‭ ‬EGP	D‭: ‬400‭ ‬EGP	D‭: ‬400‭ ‬EGP
Current Accounts‭ - ‬Saving Accounts‭ - ‬Time Deposits‭ - ‬Certificate of Deposit‭ - ‬Funds	Current Accounts‭ - ‬Saving Accounts‭ - ‬Time Deposits‭ - ‬Certificate of Deposit‭ - ‬Funds	Current Accounts‭ - ‬Saving Accounts‭ - ‬Time Deposits‭ - ‬Certificate of Deposit‭ - ‬Funds	Type	Accounts Functions
750,000 EGP	200,000 EGP	5000 EGP 1000 USD/EUR	Minimum Amount	New Accounts Opening Limit

Section	Tariff	Comissions‭ / ‬Fees
Debit Card	Types	Standard	Titanium	Platinum	Private Platinum
	Issuance	50‭ (‬EGP‭)‬	60‭ (‬EGP‭)‬	Free	Free
	Replacement	50‭ (‬EGP‭)‬	60‭ (‬EGP‭)‬	100‭ (‬EGP‭)‬	Free
Credit Card	Types	White‭ - ‬Classic‭ - ‬Gold‭ - ‬Heya‭ - ‬Com Card	Titanium	Platinum
	Issuance	White 45‭ ‬EGP‭ ‬	Titanium 195‭ ‬EGP	Platinum 445‭ ‬EGP
		Classic 75‭ ‬EGP‭ ‬
		Gold 95‭ ‬EGP
		Heya 200‭ ‬EGP‭ ‬
		Com Card 50‭ ‬EGP
	Replacement	White 25‭ ‬EGP‭ ‬	Titanium 75‭ ‬EGP	Platinum‭ ‬100‭ ‬EGP
		Classic 50‭ ‬EGP‭ ‬
		Gold 50‭ ‬EGP
		Heya 75‭ ‬EGP‭ ‬
		Com Card 25‭ ‬EGP
	Grace Period	55‭ ‬Days	55‭ ‬Days	55‭ ‬Days
Egypt Air Credit Card	Issuance Fees	Standard 200‭ ‬EGP	Titanium 400‭ ‬EGP	Platinum 600‭ ‬EGP
	Replacement Fees	Standard 75‭ ‬EGP	Titanium 100‭ ‬EGP	Platinum 150‭ ‬EGP
	Grace Period‭ ‬	55‭ ‬Days on Purchasing	55‭ ‬Days on Purchasing	55‭ ‬Days on Purchasing

Other Fees
Wealth	Plus	Core	Subsection	Tariff	Tariff Section
Free	30 EGP	30 EGP Per Certificate	Current Year	Certificate of balance
50 EGP Per Certificate	50 EGP Per Certificate	50 EGP Per Certificate	Previous Years	Certificate of balance
300 EGP or Equivalent in case of AVG. total credit balances for INDIVIDUALS less than EGP 750000 for 3 Consecutive months		40 EGP or Equivalent in case of AVG. total credit balances for INDIVIDUALS less than EGP 5000 during the month	for INDIVIDUALS	Minimum Balance fees
Free	Free	48 L : 160 EGP -	fees in case check book requested Over the Counter	Cheque Book Request (Number of Leaves)
		24 L : 80 EGP -
		12 L : 40 EGP or Equivalent
Free		48 L : 80 EGP -	fees in case check book requested through Internet Banking OR Mobile Banking (50% less than if check book requested from the branch)
		24 L : 40 EGP -
		12 L : 20 EGP or Equivalent
25 EGP per Check	25 EGP per Check	25 EGP per Check	LCY	Checks Stop Payment
5 USD per Check or Equivalent	5 USD per Check or Equivalent	5 USD per Check or Equivalent	FCY	Checks Stop Payment
Free	30 EGP Per Transaction	30 EGP Per Transaction	Fees for cashwithdrawal over the counter for amounts Equal to OR Less than 10000EGP	Counter fees
Free	30 EGP Per Transaction	30 EGP Per Transaction	Fees for deposits over the counter for amounts Equal to OR Less than 10000EGP	Counter fees
Free	10 EGP / Document	20 EGP / Document		Signature Verification
50 EGP or Equivalent	75 EGP or Equivalent	75 EGP or Equivalent	Fees for each Power of Attorney	Power of Attorney

Electronic Services
Wealth	Plus	Core	Remarks	Subsection	Tariff
Free	Free	Free		Soft Token OTP	One Time Password (OTP)
150 EGP	150 EGP	150 EGP		Hard Token OTP	One Time Password (OTP)
1 EGP per Page	1 EGP per Page	1 EGP per Page		Account Statement by Fax (as per customer request)	Phone Banking (IVR)
Free	Free	Free		Account Statement by e-mail (as per customer request)	Phone Banking (IVR)
Free	Free	Free		via ATMs	Educational Fees
4 EGP per Invoice	4 EGP per Invoice	4 EGP per Invoice	Invoices of Vodafone, Mobinil & Etisalat	Telecommunication	Fawry Payments Via ATMs
No Commission	No Commission	No Commission	Recharge Invoices for Vodafone, Mobinil & Etisalat
3 EGP per Invoice	3 EGP per Invoice	3 EGP per Invoice	TE Data Invoices
4 EGP per Invoice	4 EGP per Invoice	4 EGP per Invoice	Invoices of TE Data - LinkDSL - Noor DSL/quota	Internet
10 EGP per Ticket	10 EGP per Ticket	10 EGP per Ticket	Tickets of EgyptAir - Air Cairo - GoBus	Travel Tickets
No Commission	No Commission	No Commission	Tickets of Air Arabia	Travel Tickets
4 EGP per Invoice	4 EGP per Invoice	4 EGP per Invoice	Axa	Insurance
Free	Free	Free	Fawry Payments through Merchants	Fawry Company
5 EGP per Invoice	5 EGP per Invoice	5 EGP per Invoice	AmCham	American Chamber
2 EGP per Invoice	2 EGP per Invoice	2 EGP per Invoice	Canal Electricity	Utilities
3 EGP per Invoice	3 EGP per Invoice	3 EGP per Invoice	Middle Egypt & North Delta Electricity
5 EGP per Invoice	5 EGP per Invoice	5 EGP per Invoice	Giza Water Company
Free	Free	Free	Registeration Fees	Smart Wallet
Free	Free	Free	Annual Fees
Free	Free	Free	Cash Deposit via ATMs
0.5% Min. 3 EGP	0.5% Min. 3 EGP	0.5% Min. 3 EGP	Withdrawals via ATMs
Free	Free	Free	Cash Deposit via Services Provider
0.75% Min. 3 EGP	0.75% Min. 3 EGP	0.75% Min. 3 EGP	Withdrawals via Services Provider
0.5% Min. 2 EGP	0.5% Min. 2 EGP	0.5% Min. 2 EGP	Send Money
Free	Free	Free	Mobile Recharging
50% Discount for all invoices	50% Discount for all invoices	50% Discount for all invoices	Payment of Invoices
Free	Free	Free	Purchasing of Merchants
Issuing Fees 2.50 EGP + Markup fees of Prepaid Cards	Issuing Fees 2.50 EGP + Markup fees of Prepaid Cards	Issuing Fees 2.50 EGP + Markup fees of Prepaid Cards	Online Card

Cheques‭ & ‬Remittance

Wealth

Plus

Core

Subsection

Tariff

EGP 10‭ ‬for Inside Area I

EGP 15‭ ‬for Inside Area II

EGP 10‭ ‬for Inside Area I

EGP 15‭ ‬for Inside Area II

EGP 10‭ ‬for Inside Area I

EGP 15‭ ‬for Inside Area II

Drawn on local banks‭ - ‬EGP

Deposited over the counter

Inside Clearing

50%‭ ‬Discount on Actual Collection Fees

Drawn on local banks‭ - ‬EGP

Deposited through ATMs

0.3%‭ ‬Min‭. ‬5‭ ‬USD‭ - ‬Max 100‭ ‬USD

‭+ ‬3‭ ‬USD Correspondent Charegs

‭+ ‬1‭ ‬USD Mail Charges or Equivalent

0.3%‭ ‬Min‭. ‬5‭ ‬USD‭ - ‬Max 100‭ ‬USD

‭+ ‬3‭ ‬USD Correspondent Charegs

‭+ ‬1‭ ‬USD Mail Charges or Equivalent

0.3%‭ ‬Min‭. ‬5‭ ‬USD‭ - ‬Max 100‭ ‬USD

‭+ ‬3‭ ‬USD Correspondent Charegs

‭+ ‬1‭ ‬USD Mail Charges or Equivalent

Drawn on local banks‭ - ‬USD

0.2%‭ ‬Min 20‭ ‬EGP‭ - ‬Max 350‭ ‬EGP