BNP Paribas Egypt offers a wide range of products and services:

• Current Accounts
• Savings Accounts
• Consumer Loan
• Car Loan
• Cards
• Certificate(s) of Deposit(s)
• Time Deposit
• Bancassurance Products - Retirement
• Term Life
• Personal Accident
• BNP PARIBAS.NET

• Accounts
  
  
• Curent Account

You are regularly required in your private & professional life to carry out payments for different purchases of goods and services. In order to handle this easily & in a confidential manner we offer you our Current Account were you can freely deposit and withdraw funds at any time.

Convenient & Easy
· Customers may operate this account by using checks or plastic card (ATM Card) for 24 hours a day 7 days a week
· Benefit from a group of selected products and services linked to this account
· Direct debit of the monthly installment in case of obtaining any type of loan from BNP Paribas or payments dues for Credit Cards
. It can be opened in EGP or Foreign currency
. Its a non-interest bearing account

• Current Plus Account

You can enjoy all the privileges of the current account and also earn interest on your available balance provided you keep the minimum balance required.

Benefits
. Monthly interest bearing account
. Interest is calculated on daily balance
. Account holders can use checks to manage their account and don't have to be present at the branch to conduct transactions
. Opened in EGP only

• Savings Accounts

With BNP Paribas Savings Account, experience the most convenient method for saving money, you can freely deposit and withdraw funds at any time and earn interest on your savings at a very special rate.

Flexibility at your hand:
· Earn competitive interest rate on your minimum balance during the month
· Competitive interest rate credited quarterly
· Benefit from a group of selected products and services linked to this account
· It can be opened in EGP or Foreign currency
. Account Statement is sent on quarterly basis

• Loans

Personal Finance Programs:
At BNPP Egypt, our distinguished combination of local experience and world wide spread help us to understand your needs and requirements.
When it comes to Personal Finance, we are your tool to achieve all your objectives.
You have the chance now to give your children a better education, refurnish your apartment, get the car of your dreams, pay for your travel expenses, etc.

• Cash Finance Program

BNPP Cash Finance Program allows you to fulfil all your needs with cash finance up to EGP 700,000.


• Car Finance Program

BNPP Car Finance Program allows you to own the car of your dreams with financing up to 80% of the car value.


• Education Finance Program

BNPP Education Finance Program allows you to finance your master degree or your children school fees. This program can finance all kinds of education programs (Schools, Universities, MBA, CPA, DBA, CMA ...etc)

Personal Finance Programs Benefits & Features
· Competitive Interest Rate
· No need for salary transfer
· No need for a guarantor
· Personal Finance Starts From EGP 5000 up to EGP 700000
· Borrower age between 21 and 65 at the end of loan period
· Free life and total disability insurance with the financed amount during the repayment period
· Repayment period from 6 months up to 84 months
· The possibility for top up after 6 months
· The possibility to monitor the personal finance account through internet banking service BNPPARIBAS.NET

Required Documents
1. Copy of national ID
2. Original utility bill (phone, electricity, gas or water bill) not more than 6 months old
3. HR Letter

Who is Eligible for BNPP Personal Finance Programs?
. Salaried customers with minimum gross monthly income of EGP 1250 and Self employed customers with minimum gross monthly income of EGP 5,000
. Customers between the age of 21 and 65 at loan maturity
. Egyptians and foreign residents

Second Salary Program:
Second Salary Program is a specially designed program for customers who transfer their salary to BNP Paribas Egypt. It is a revolving overdraft facility providing you with up to 90% finance of your monthly salary
With minimal documentation, you can receive your salary twice

• Cards

• Credit Cards

Cash and Payment
Looking for a convenient method of payment? While shopping or travelling, and without any burden on your finance, apply for BNP Paribas Credit Card.

You're Global Credit Card:
. You can use this card in more than 15 million commercial establishments in Egypt and abroad
. The liberty and security of drawing cash in more than 450,000 machines in Egypt and around the world
. We offer you 4 types of cards: Classic or Gold MasterCard and Classic or Gold Visa according to your purchasing power and needs
. Enjoy up to 53 days of interest free period facility
. You may also choose our credit option and pay only 5% of your purchases every month

• ATM Cards

Easy Cash: Available Cash 24hours:
. Eager to have cash accessible anytime anywhere in Egypt? Use our Easy Cash card
. BNP Paribas provides you with the ATM Service, 24 hours, 7 days a week through more than 1000 machines all over Egypt bearing the sign 123
. Choose your own daily withdrawal limit
. Our ATM Card also allows you to access your current or savings account, and to order checkbooks

• Deposits

• Certificate of Deposits

With BNP Paribas Certificates of Deposit, you can make a medium or long-term investment according to your needs with very high competitive interest rates.

5 Yrs CD
. Competitive fixed interest rate
. Interest is credited monthly
. Interest can be transeferd to any third party
. Client can borrow up to 95% of the CD value
. Client can enjoy obtaining credit card against the CD with a very competitive rate
. Minimum amount of EGP 1000 and multiples of EGP 100
. Full or partial interest can cover the purchase of any of our bancassurance products

3 Yrs CD:
. Competitive fixed interest rate
. Interest is credited monthly
. Interest can be transeferd to any third party
. Client can borrow up to 90% of the CD value
. Minimum amount of EGP 1000 and multiples of EGP 100
. Full or partial interest can cover the purchase of any of our bancassurance products
. Client can enjoy obtaining credit card against the CD with a very competitive rate

• Time Deposits

With BNP Paribas Time Deposit, enjoy a wide range of benefits and banking services were you can place your funds in local or foreign currencies for a fixed period, and earn a special fixed return.

Benefits:
· Place your funds in local or foreign currencies
· Choose the flexibility to invest for different periods between 1 week and 1 year
· Enjoy the best market rates
· You can btain credit facilities against your Time Deposit at very competitive rates
· Automatic renewal at maturity date

• Banc assurance

• Retirement plan

Retirement plan:Save for a better Future
Prepare the golden years for yourself & your loved ones:
. Enhance your retirement plan
. Start building today the financial resources required once retired
. Need to give a helping hand to secure a brighter future for your children or grandchildren
The key is the Retirement Plan

Retirement plan:Building the Future
· It is a long term saving plan designed to secure for the insured and his spouse a comfortable and decent retirement package
· The retirement benefit could be stable as:

a) Lump some amount Cash
b) Annuity for Ten Years
c) Combination of both of the above

· In case of death or total permanent disability the insurance company will pay to the beneficiaries a lump some a mount as previously defined by the insured
· Accidental death Benefit can also be added
· Policy available in both Egyptian Pounds and USD
· Minimum guaranteed rate of interest for the entire duration of the plan in both currencies

Safe Investment:
It is another kind of investment (unit link) where the benefit are expressed in terms of numbers and units and unit price.
They can be viewed as a combination of insurance and mutual funds
Fund allocation from zero to 20% equity, 80% fixed income (these percentages are variable to the market conditions)

• Education plan

Education plan:Save for your children Education
. BNP Paribas Egypt offers you an education plan which is a long term saving plan designed to secure for the insured and his children a comfortable and decent education package
· The education benefit could be payable as:

d) Lump some amount cash
e) An annuity for Five years
f) Combination of both of the above

· Flexibility to choose the duration and the amount of the plan
· Policy available in both Egyptian Pounds and USD
· Minimum guaranteed rate of interest for the entire duration of the plan in both currencies
· In case of Death or Total Disability, the insurance company will continue to pay the premium on behalf of the insured until the policy reaches the maturity date
.The beneficiaries will then receive the principle plus interest accumulated through the
term of the policy

• Protection Plan

Safety guaranteed for your family
To shield your family against any unfortunate events (death or total disability), to provide them with financial resources and to enable them maintain a good standard of living, choose Protection Plan our life insurance plan. This plan can also be beneficial for your professional partners.

Protection & Security
· It is a pure protection plan designed to pay off a lump some in case the life insured died or became totally and permanently disabled during the term of the policy
· Contribution is paid annually, semi-annually, quarterly or monthly, it is levelled during the policy period

• Safety Plan

You may also decide to protect your family against any accident that may occur to you by choosing the Safety Plan, our personal accident scheme.

Safety Plan:No complications, fast and easy
· Provides immediate coverage upon signature
· No medical questionnaire
· Cost is standard, regardless of your occupation
· You just walk away with the contract in your hands

• Electronic Services:

• BNPP I Net (BNP PARIBAS.NET)

BNP Paribas Egypt is delighted to offer you its latest electronic banking solution, BNPPARIBAS.NET. This modern service offers you a convenient access to the Bank's services through the internet with the highest level of security without being physically present at the branch.

BNPPARIBAS I NET enables you to perform the following banking services:

. Inquire about your account and credit card balances and movements
. Download your account statements for reconciliation purposes
. Transfer between you own accounts or to another customer's account within BNP Paribas Egypt
. Transfer to a third party account in Egypt or anywhere in the world
. Request for issuing checkbook
. Request to add a new account with different currency
. Change I Net Password

You may also access information regarding foreign exchange rates and stock market values.

BNPPARIBAS.NET subscribers can access their accounts by directly visiting

www.egypt.bnpparibas.net

• Corporate Employee Program

BNP Paribas offers your organization the Corporate Employee Program, to deliver the highest standard of financial services to your company employees. We present a wide variety of Retail Banking products and services tailored to meet your needs.

Your organization will no longer bear the risk of moving large sums of cash, and can save the hassle associated as well as the resources needed for Payroll Management.

BNP PARIBAS will take the responsibility to pay the monthly salaries (Bonus, increments…) of your employees as per the amounts stated and on the due date set by your company.
All payments are done automatically by debiting the company's account and crediting the employees' accounts with BNP PARIBAS Branches.

CEP benefits to the Organization:
· Service is free of charge
· Eliminates the burden of administrative work in terms of time and effort
· Avoids unnecessary costs related to counting salaries and transmitting them
· Reduces all risks related to handling large amounts of cash and relevant insurance
· Reduces the probability of error in dispatching exact salary amounts to each employee
· Simplified formalities for opening current accounts
· Bank officers will be available to open your employees accounts within your premises

CEP benefits to the Organization's Employees:
· Current Accounts
· Current Plus Accounts
· Savings Accounts
· Time Deposits
· 5 Years Certificates of Deposits
· 3 Years Certificates of Deposits
· Personal Loans
· Car Loans
· Second Salary (overdraft facility)
· Master Card
· Visa Card
· ATM Cards (accessible on 123 Network)
· Bancassurance Products
· Electroninc Banking