Banque du Caire offers its Tharwa ELECT service to high-net-worth customers, providing an integrated range of banking, investment and financing solutions along with exclusive privileges designed to meet their financial needs and deliver a personalized banking experience that helps them manage and grow their wealth.

Customers can join the Tharwa ELECT segment by meeting specific eligibility criteria, gaining access to premium banking services, a variety of investment solutions and additional travel and lifestyle benefits.

Eligibility for the Tharwa ELECT service

  • To subscribe, customers must maintain total credit balances of at least EGP 5 million, or the equivalent in foreign currencies, across all their accounts with Banque du Caire.

  • The service gives customers a range of banking and investment privileges designed to meet their financial needs.

1. Wealth management services

Banque du Caire offers a set of dedicated services for Tharwa ELECT customers, including:

  • Dedicated relationship manager: understands the customer's banking needs and helps build an effective financial plan to preserve, grow and pass on wealth from one generation to the next.

  • Financial advice: guidance on a wide range of banking and investment products and services, plus help managing the customer's portfolio and handling banking matters.

  • Home banking: non-financial banking services at the customer's residence, by prior appointment.

  • Family membership: members of the customer's family can enjoy Tharwa ELECT privileges and services, subject to terms and conditions.

  • Priority service: customers receive priority at the bank's branches and departments.

  • Dedicated call center: a dedicated 24/7 channel for inquiries and requests.

  • WhatsApp Business: round-the-clock access to information on the bank's products, services and branch locations; replies are limited to inquiries about banking products and services.

2. Exclusive banking privileges

The bank offers Tharwa ELECT customers a range of services aimed at a simpler, more private banking experience, including:

  • The Tharwa ELECT lounges: access to dedicated lounges at selected Banque du Caire branches to carry out banking transactions and discuss financial plans in comfort and privacy.

  • Branch network: access to Banque du Caire's network of more than 200 branches across Egypt.

  • Black Card: an identification card for Tharwa ELECT customers at the bank's branches, giving them access to a range of privileges and rewards.

3. Investment solutions and savings products

Banque du Caire provides Tharwa ELECT customers with a range of banking and investment products to help them manage their money and diversify their portfolios, including:

Short-term savings products

  • Daily-interest current account: a competitive interest rate for Tharwa ELECT customers, with access to funds at any time and a chequebook on the account.

  • Mega Tawfeer account: a competitive interest rate plus free insurance coverage.

Long-term savings products

  • Savings certificates: the bank offers certificates in local and foreign currencies, with tenors from 1 year up to 10 years.

Diverse investment solutions

The service gives customers access to a range of investment products, including current and savings accounts, long-term investment solutions and alternative investment strategies aimed at diversifying portfolios and improving the chances of earning returns.

4. Financing solutions and exclusive offers

Banque du Caire provides financing solutions designed for the needs of Tharwa ELECT customers, with flexible repayment plans suited to their financial goals, including:

  • 50% discount on administrative fees for secured financing programs.

  • Loan programs for self-employed professionals of up to EGP 4 million.

  • A variety of financing solutions suited to customers' needs and financial goals.

5. Bank cards

Services for Tharwa ELECT customers include a range of bank cards:

  • The Platinum debit card.

  • The World Elite credit card: credit limit of up to EGP 2 million.

  • Tharwa unsecured credit card program: credit limit of up to EGP 500,000.

These cards give customers access to a variety of banking services and benefits, according to each product's terms.

6. Safe deposit boxes

The bank allows Tharwa ELECT customers to obtain two safe deposit boxes at one of its branches to store documents and valuables, offering a secure way to keep important possessions.

7. Bancassurance services

The bank offers wealth management customers a variety of bancassurance products, drawing on the wealth management team's expertise to help them choose products that suit their needs. The benefits these products target include:

  • Financial protection for families in unexpected emergencies.

  • Products linked to health monitoring.

  • Solutions providing regular retirement pensions.

  • Capital-protected investment products.

The features and benefits of the insurance coverage vary according to each product and its terms.

8. Additional travel and lifestyle services

The Tharwa ELECT privileges go beyond banking and investment services to a range of additional services that meet customers' everyday needs, including:

Ahlan VIP service at Cairo International Airport

The service offers a more comfortable travel experience on departure or arrival, with help completing travel procedures, check-in, collecting the boarding pass and passport formalities, as well as escorting the customer between the airport halls and the aircraft door, and access to the VIP lounge.

The London Cab service

The bank gives its customers access to the London Cab service provided by Abou Ghaly Motors, which includes:

  • Transport offering a premium level of comfort and elegance.

  • Dedicated chauffeur services.

  • 24/7 booking.

  • Suitable for business meetings, airport trips, daily errands and school runs.

Real estate advisory services

In partnership with NAWY, the service gives customers real estate advice to help them choose residential and commercial properties, through professional guidance and answers to their questions, as well as insight into market trends and recommendations from property investors and developers.

Concierge services

The BDC Concierge service gives Tharwa ELECT customers access to a range of lifestyle services and benefits, including:

  • Travel privileges.

  • Help with government services.

  • Luxury shopping services.

  • Cultural enrichment.

  • Leisure and entertainment.

All services and privileges are subject to their respective terms and conditions.

This is part of Banque du Caire's commitment to offering its customers integrated banking and investment solutions and dedicated services to manage and grow their wealth, meeting their financial needs and enhancing their banking experience through a diverse range of products and exclusive privileges.