Personal Banking

Current Accounts

Current account is the key to managing your finances. It gives you easy access to a wide range of other products and services including fixed term deposit and loans. You can choose to have a Visa Electron card and an ATM card, which allows you to access your account 24 hours a day, 7 days a week through an extensive network (Where 123 logo is found). You can withdraw up to EGP 2,500 per day for normal accounts and EGP 5,000 for prestige accounts provided the money is available in the account. Also, you can choose to have a cheque book depending on your needs.

With your current account, you do not need to maintain a minimum balance in your account. However, you will need to be earning a minimum net monthly income of EGP 1,500 to open an account.

Instant Savings Account

The instant Savings Accounts helps you save for the future. The more you save, the more you earn as the Instant Savings Account pays tiered levels of interest. This means the more you deposit, the more interest you will earn. Interest is calculated daily and paid quarterly, which means, you do not have to worry about depositing or withdrawing on certain dates any more, as every day is a day of interest to them.

You can access and withdraw from your Instant Savings Account 24 hours a day, 7 days a week through an ATM card and Visa Electron card. The instant savings account is also available in major foreign currencies such as, US Dollars, Sterling Pounds and EURO.

To open an Instant Savings Account, a minimum balance is required to open and maintain the account. EGP 1,000 for EGP accounts. USD/GBP/EUR 500 for Foreign currency accounts.

Foreign Currency Accounts – in multiple currencies

We understand that you may have personal or business needs for foreign currency. That is why most of our products are offered in multiple currencies as well.

High Rate Savings Account

High Rate Savings Account is a convenient and secure high interest earning savings account available in EGP only and pays tiered competitive interest rates. Interest rates are calculated daily and paid monthly. Also, no charges are applied provided the minimum balance is maintained. A minimum balance of EGP 10,000 must be maintained in order to receive interest. If the average balance of the month goes below the minimum, a monthly fee will be charged.

Fixed Term Deposits- Your money is safe with us

The most popular savings option is the Fixed Term Deposit. Our Fixed Term Deposits usually offer one, three, six or twelve months investment terms in Egyptian Pounds, and major foreign currencies. In return for investing your money for a set period, we offer you a guaranteed rate of interest. Rates increase in tiers depending on the amount of your deposit, which means that higher balances will be awarded higher interest rates. You will know how much your money is earning and by how much exactly your savings will grow.

Minimum balance required of EGP 25,000 / USD 5,000 / GBP 5,000 / EURO 5,000 or more.

ATM Card

Your ATM card extends banking hours, saves your queuing time and gives you the cash you need when you need it. You can access your money from more than 600 cash machines scattered nation wide. So why carry insufficient excess cash around when you carry Barclays ATM card.

High Value Current Account – Managing your money the smart way

You have many in and out cash transactions during the month and you want to manage your money the smart way. At Barclays Bank Egypt we understand this and that’s why we have developed the High Current Account for you to benefit from Current Account features plus getting daily interest on your balance. Also get FREE ATM card, FREE cheque book, FREE over draft facility and interest earning.

Barclaycard

Barclaycard is an international Chip based credit card accepted all over the world through Visa International at millions of points of sale and ATMs. Barclaycard is a customized smart card with unmatched value offerings to suit your needs. It also has a computer chip that is not only used for authentication but also is a microprocessor, which can store 100 times more information than that on the magnetic stripe. Smart card brings an added level of security when shopping online and password protection for transaction authentication.

Barclaycard is available in the following stylized categories:

Classic Card : Avail amazing discounts and offers through your Classic card at your favorite Hotels, Restaurants, Retail Stores and much more.

Gold Card : Get the value and service you deserve through Barclaycard gold. Get used to luxury, priority Service and unmatched discounts!

Premiership Card : In love with soccer? then Barclays Premier League card is for you. Enter Mind blowing sweepstakes to watch your favorite Premier League Matches live in UK, Win Original Premier League merchandize and much more...!

With competitive interest rates Barclaycard gives you the spending power, allowing you to pay back your credit at your own convenience. A monthly statement will be provided to you to keep track of your expenses. All you need to pay is 5% of the outstanding balance on the statement.

Barclaycard Terms and Conditions

Three Year Certificates

Two Three Year Certificate were recently launched, The THREE YEAR PRIZE CERTIFICATE and the THREE YEAR SAVING CERTIFICATE.

• Three Year Prize certificate is a three year certificate offering you the chance to win your balance twice a year for three consecutive years. Balance grows with interest (interest paid quarterly), but if you are lucky, your balances can double. Every six months, a prize draw will take place in which our investors will have an equal chance to win the equivalent of their full balance tax free, but only one winner will receive the prize. The prize draw will take place under the supervision of the ministry of social affairs.
  
  You can buy certificates between EGP 10,000 up to a maximum of EGP 200,000 with a fixed interest rate for the term of the certificate. Also, you can borrow up to 90% of certificate amount.
  
  
• Three Year Saving Certificate is a three year certificate offering our highest published rate of interest. You can open a Three Year Certificate with a minimum of EGP 200,000. Instead of dividing your savings across several deposits, you can consolidate your savings into a single medium term certificate. Your capital is 100% capital guaranteed, while your premium rate is calculated and paid to your account of choice on a monthly basis. Also, you can borrow up to 90% of certificate amount.

Prestige Banking

Barclays Bank Egypt launched this service in Egypt in 2002. Opening specific Prestige centers that caters only to our Prestige customers. Currently all our branches have a Prestige Center. With more branches expected to open in 2006.Your Barclays Prestige Banker will have the experience to help ensure that your requirements are well looked after.

Prestige banking is a different type of banking only available for personal customers who value time and service. Our centers are available for members only who will enjoy the following:

Longer opening hours from 8.30 AM till 5.00 PM
Zero queues, once you are in you are served.
High Value current account which is only available for prestige customers giving them Interest on their current account.
Interest rates are tiered rewarding higher balances with higher interest rates.
Interest is calculated daily and paid quarterly.
This account comes with an interest free overdraft of up to EGP 500. Also, you can access your High Value Current Account 24 hours a day, 7 days a week through your ATM card. No minimum balance is required to open the High Value Current Account. Free cheque books.
Free ATM card.
Four free transactions each month from any ATM machine with the 123 logo
Daily Limit of withdrawal up to EGP 5000/day.
Dedicated prestige banker to handle all the needs of our customer.
Fast, efficient and friendly staff to ensure world class service.
Cost and comfortable outlets with magazines, newspapers and hot/cold drinks. Minimum Net Monthly Income of EGP 3,500 required to open a Prestige account.
All of our interest rates are calculated daily, you do not lose interest if your balance moves during the month.
The more you save the higher interest you get, all of our interest rates are tiered. Prestige banking is only available for Personal customers not for companies or organizations.

Our aim is to make banking a personal pleasure.

Premier Banking

Premier banking is our relationship management service designed to help Customers make the most of their wealth. As a Barclays Premier client, you will have a personal point of contact with your own Relationship Manager who will help you achieve Your financial aspirations. Through our experience we will help you arrange your Finances inside and outside your country of origin or residence and will provide you with all the products and services you would expect from a leading international bank with full exemption from bank charges for cheque books & ATM cards issuance fees. Premier clients enjoy the following benefits:

Dedicated Premier Manager
Unique service
Access to premier special lounge
Longer working hours & no queues
Free ATM Card
Special Interest rates
Four free ATM transactions per month

Free of any membership arrangements

Visa Electron Card

Through VISA Electron debit card, we aim at offering an efficient and flexible way for expenditures management. VISA Electron debit card gives speedy access to funds 24 hours a day and 7 days a week; both locally and internationally. The card does not only allow you to withdraw cash from ATM machines, but is also accepted as a payment tool in over 24 million locations all around the world. Card holders will be able to enjoy the security of not having to carry cash whilst shopping. Also clients will have a clear view of expenses as a detailed statement is issued monthly.

Visa Electron Card provides you with the following benefits:

Local & international acceptance
Account accessibility 24 hours a day, 7 days a week
Provides total control over expenditures

Visa Electron Card

Through VISA Electron debit card, we aim at offering an efficient and flexible way for expenditures management. VISA Electron debit card gives speedy access to funds 24 hours a day and 7 days a week; both locally and internationally. The card does not only allow you to withdraw cash from ATM machines, but is also accepted as a payment tool in over 24 million locations all around the world. Card holders will be able to enjoy the security of not having to carry cash whilst shopping. Also clients will have a clear view of expenses as a detailed statement is issued monthly.

Visa Electron Card provides you with the following benefits:

Local & international acceptance
Account accessibility 24 hours a day, 7 days a week
Provides total control over expenditures

Bancassurance

Barclays Egypt has launched its bancassurance products to its customers in May 2006 in alliance with the Commercial International Life Insurance Company (CIL). Our aim is to provide clients with innovative savings and protection plans that will help satisfy their needs and aspirations. The Bancassurance bouquet represents eight products covering five saving & protection as well as three protection products. These products offer a number of financial packages that allow greater life opportunities for Barclays clients in various ways; from savings for education, marriage, and performing Hajj, to retirement benefit plans, family income protection plans, health insurance, and other benefits.

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