Existing Emirates NBD customer

• Sign an application

New to bank customer

• Valid National ID
• Recent Utility Bill (maximum three months)
• HR letter / Salary slip / 3 months bank statement

Self-employed

• Valid National ID
• Recent Utility Bill (maximum three months)
• Recent copy of commercial register and tax card

Pensioner

• Valid National ID
• Recent Utility Bill (maximum three months)
• Proof of pension

Foreigner

• Valid Passport with country entry visa
• Recent Utility Bill (maximum three months)
• Residency / Work permit

Distinguished Time Deposits:

• Fixed short term Time Deposit, which offers interest payment at maturity
• The interest will be credited to the customer account at maturity
• The minimum amount to issue the TD is EGP 200,000, with denomination of EGP 10,000 and its multiples
• The Time Deposit will be issued in EGP currency only
• The new Time Deposits offer competitive interest rates with different tenors, as follows:

  Customer Segment	Time Deposit Tenors
  	2 months	3 months	6 months	13 months
  Personal Banking customers	12% p.a.	12.25% p.a.	12.75% p.a.	13% p.a.

Up-Front Time Deposit:

• Fixed time deposit offering an up-front interest payment at the time of TD issuance
• The interest will be credited to the customer account on the same day of TD issuance
• The up- front TD have 4 different tenors with the below competitive interest rates:
  • 1 month TD: 5.00% p.a.
  • 3 months TD: 6.00% p.a.
  • 6 months TD: 7.00% p.a.
  • 1 year TD: 8.00% p.a.
• The minimum amount to issue the TD is EGP 100,000
• The TD is offered to both individuals and business banking customers

Time Deposit with interest payment at maturity:

• Time Deposits will be offered to all customers whether individuals or companies, and can be linked to either an individual or company account
• Time Deposits tenors are: 1 week, 2 weeks, 1 month, 2 months, 3 months, 6 months and 1 year
• Minimum amount to issue a TD:
  • Less than one month: EGP 100,000 or equivalent of USD 20,000 in major foreign currencies
  • One month and over: EGP 5,000 or equivalent of USD 2,000 in major foreign currencies
• Interest is credited at maturity for each Time Deposit’s type
• Interest rate for each type of TD:

  Time Deposit Tenor		Interest Rate
  1 Week		2.00% p.a.
  2 Weeks		2.00% p.a.
  1 Month		3.00% p.a.
  2 Months		3.00% p.a.
  3 Months		3.25% p.a.
  4 Months		3.25% p.a.
  5 Months		3.25% p.a.
  6 Months		3.75% p.a.
  1 Year		4.00% p.a.

Time Deposits with monthly or quarterly interest payment

12-Month Time Deposits:

• Offered to individuals and companies
• Available in local and major foreign currencies
• Tenor of 12 months
• Interest is credited monthly / quarterly
• Interest is credited in both currencies EGP and USD
• Automatic renewal at maturity date upon client’s preference
• Can be used as collateral for a loan or credit card
• The interest rate for the EGP TD with monthly interest is 7.00% p.a.
• The interest rate for the EGP TD with quarterly interest is 7.50% p.a.
• The interest rate for the USD TDs is 0.2% p.a.

Minimum amount to issue a TD:

• Less than one month: EGP 100,000 or equivalent of USD 20,000 in major foreign currencies
• One month and over: EGP 5,000 or equivalent of USD 2,000 in major foreign currencies

18-Month Time Deposits:

• Offered to individuals and companies
• Available in local currency only
• Tenor of 18 months
• Interest rate is 8.00% and is credited monthly in EGP to the account
• Automatic renewal at maturity date upon client’s preference
• Can be used as a collateral for a loan or credit card
• Minimum amount to issue the TD is EGP 5,000

24-Month Time Deposits:

• Offered to individuals and companies
• Available in local currency only
• Tenor of 24 months
• Interest rate is 8.50% and is credited monthly in EGP to the account
• Automatic renewal at maturity date upon client’s preference
• Can be used as a collateral for a loan or credit card
• Minimum amount to issue the TD is EGP 5,000