QNB bebasata is taking part in campus events at CIC University in Sheikh Zayed from October 18, 2026, inviting students and visitors to its booth to learn about its banking services and benefits.

QNB bebasata, part of QNB Egypt, offers a digital banking experience that lets customers manage their accounts and carry out many transactions online without visiting traditional branches, along with a range of accounts, savings products, cards, payment and transfer services.

QNB bebasata Features and Services

1. Current Account

  • The account can be opened in EGP, USD or EUR.

  • The minimum to open the account is EGP 1, or the equivalent in foreign currency.

  • No account opening fees or periodic maintenance fees, according to the bank's tariff.

  • The account supports transfers and banking payments, and the EGP current account serves as the main account for transactions.

  • Deposits can be made at QNB ATMs that accept deposits or by electronic bank transfer

2. Savings Account

  • Open an EGP savings account with a minimum of EGP 1.

  • Interest is calculated daily and credited to the account monthly.

  • Tiered interest rates: the rate rises with the balance tier.

  • A savings account can be opened from age 15.

  • Open up to 5 savings accounts and name each one after a different savings goal.

  • No fees to open or maintain the savings account.

  • Debits cannot be made directly from the savings account, except transfers between the customer's own accounts; funds must be moved to the current account for withdrawals

3. Savings Certificates

  • 3-year EGP savings certificates.

  • The minimum to issue a certificate is EGP 1,000, in multiples of EGP 1,000.

  • Fixed interest rate for the certificate's full term.

  • Choice of payout frequency: monthly, every 3 months, every 6 months or annual.

  • Certificates can be issued through the mobile app or internet banking.

  • Early redemption is possible 6 months after the issue date, subject to terms and conditions, with partial redemption available.

  • Loans are available against the certificate, subject to the bank's terms

4. Time Deposits

  • EGP time deposits with tenors of 1, 3 or 6 months.

  • The minimum deposit is EGP 1,000.

  • Fixed interest rate paid at maturity.

  • Automatic renewal at maturity, with or without adding the interest to the principal.

  • Deposits can be opened through the mobile app or internet banking.

  • Deposits can be broken before maturity, but without any interest, and partial breaking is not available

5. be Debit Card

  • A card linked to the EGP current account, with no issuance or renewal fees.

  • Use it for purchases and cash withdrawals in Egypt and abroad.

  • Supports contactless payment.

  • Use it for purchases, hotel bookings and bill payments.

  • An SMS is sent after every purchase.

  • Withdrawals and deposits at QNB ATMs with no fees on ATM transactions, as announced by the bank

6. Credit Card

  • A credit card is available secured by QNB bebasata certificates or by membership in certain clubs specified by the bank.

  • No issuance or renewal fees, with an announced lifetime waiver of annual fees.

  • Purchases can be paid in installments over 6, 9, 12, 24 and 36 months, subject to the applicable programs and terms.

  • The minimum purchase eligible for installments is EGP 500.

  • Use the card in Egypt and abroad, with support for contactless payment and online shopping.

  • Card dues can be paid through the app or internet banking

7. Money Transfers

  • Transfers between the customer's own accounts.

  • Transfers to other customers' accounts within QNB and QNB bebasata.

  • Domestic transfers to other banks through the available channels.

  • International transfers available to adult customers, subject to the bank's terms.

  • Save recurring and favorite transfers to make them easier to repeat.

  • Transfer limits apply and vary by transaction type, currency and beneficiary

8. Bill Payment Services

The QNB bebasata app lets customers make a range of payments, including:

  • Mobile top-ups and telecom bill payments.

  • Internet bill payments.

  • Electricity, water and gas bill payments.

  • A number of government payments and other available services.

  • Credit card payments.

  • Donations through the available donation channels.

  • Some booking payments and license renewals.

  • Some digital subscriptions and social media ads through the Fawry services available in the app.

9. Apple Pay

  • Add QNB bebasata cards to Apple Pay on compatible devices.

  • Pay with your phone or smartwatch at stores that support the service.

  • Make purchases online and in apps that accept Apple Pay.

  • Benefit from digital payment security while keeping the benefits of the registered card

10. Loan Against a Savings Certificate

  • An EGP loan secured by savings certificates held with QNB bebasata.

  • The minimum loan is EGP 5,000 and the maximum is EGP 1 million, subject to the approved terms.

  • Repayment periods range from 6 months to 10 years.

  • Applications can be submitted online through the app.

  • Loans are subject to credit approval and the bank's terms.

11. Digital Banking Services

  • Track account and card balances and banking transactions.

  • View and download account statements online.

  • Track certificate, deposit and loan details.

  • Open certificates and deposits and make transfers through the available digital channels.

  • Submit requests to issue, modify or cancel debit and credit cards, depending on the available services.

  • Contact the bank through electronic customer service channels