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Frequently Asked Questions

Investing in mutual funds, like any investment, involves certain risks. The level of risk can vary depending on the type of mutual fund you invest in, your investment goals, and the market conditions. Here are some key risks associated with mutual funds:
  1. Market Risk
  2. Credit Risk
  3. Interest Rate Risk
  4. Liquidity Risk
  5. Concentration Risk
  6. Reinvestment Risk
It's important to understand the specific risks associated with the type of mutual fund you are considering and to align your investment choices with your risk tolerance, investment objectives, and time horizon.

  • Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of capital market instruments, including equities listed on the stock exchange, treasury bills, treasury bonds, or other securities.
  • Each investor in a mutual fund owns shares of the fund, representing a portion of the overall holdings. These shares are referred to as Investment Certificates, symbolizing the investor’s ownership in the mutual funds.
  • The primary objective of mutual funds is to provide investors with access to a diversified portfolio managed by professional fund managers, reducing risk compared to investing in individual securities.
  • Investors benefit from the collective buying power, professional management, and diversification of the fund, which can be difficult to achieve on their own.

  • Yes, the same eligibility criteria apply to both primary and supplementary credit cards.
  • Each cardholder must meet the required international spend condition independently to qualify for the benefit.

Mutual funds come in various types, each designed to meet different investment objectives and risk profiles. The main types of mutual funds include:
  1. Equity Funds (Stock Market)
  2. Fixed Income Funds (Medium/Long term Debt Funds)
  3. Money Market Funds (Short term Debt Funds)
  4. Balanced Funds (Hybrid Funds)
  5. Precious Metals Funds (Gold/Silver Funds)

You can subscribe by signing a subscription form at any of the bank’s branches across Egypt. Subscription frequency varies depending on the fund type. Some funds offer daily subscriptions, while others provide weekly subscriptions. However, in all cases orders must be submitted before 12:00 pm on any applicable day.
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Enjoy a reward up to EGP 3,000

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Member Get Member

Enjoy a reward up to EGP 3,000, when you refer a friend or a family member to open an account!

 

Terms & Conditions:

  • The offer is valid for existing bank customers, excluding Private banking, Payroll, & Corporate customers
  • The reward will be given one time only for every referrer customer, after the new customer opens his account (New relation) & take an action on it from the mentioned criteria below.
  • The reward applies based on the highest qualifying criterion met by the new customer “Referee”, even if they met multiple criteria.
  • NTB referred customer applying for a credit card must activate the card & perform one purchase transaction minimum by maximum end of the following month from the CIF opening date to be eligible for credit cards criteria rewards.
  • NTB referred customer aiming for packages rewards; has to subscribe in a package by maximum end of the following month from the CIF opening date to benefit from the packages rewards mentioned above.
  • Rewards will be deposited to the referrers accounts after 2 months from Referee CIF opening date and eligibility of one of the criteria below.
  • Referees rewards will be added to Happy Points balance after 2 months from CIF opening date and eligibility of one of the above criteria.
  • NTB Customers who subscribed in packages, are responsible to maintain their packages subscriptions criteria as mentioned on the bank official website & they’re obligated to maintain the terms & conditions of the package they’ve subscribed into to be eligible for their rewards. for packages click here My First, Optime & Fidele
  • The bank has the right to suspend or amend the full offer or part of it at any time.
  • The new account amounts should be in EGP currency only
  • Reopened accounts from the offer start date will be eligible to the offer
  • The offer is valid from 1st of March, 2026 till end of Feb. 2027

The offer is not applicable, in case:

  • The existing customer “Referrer” or the new one “Referee” close their accounts during the campaign duration
  • The existing customer “Referrer” or the new one “Referee” accounts are inactive during the campaign duration
  • The existing customer “Referrer” is a credit or prepaid cardholder
  • The existing customer “Referrer” is an employee at Crédit Agricole Egypt
  • The existing customer “Referrer” & the new one “Referee” will be eligible for their rewards based on the criteria listed below:

 

Product Criteria in EGP Existing Customer (Referrer Reward in EGP) Referee Reward Referrer Offer Mechanism
“All reward will be refunded after 2 months from CIF Opening date”
Certificates of Deposits From 10,000 to 50,000 500 10,000 Happy Points upon taking one of the mentioned actions Reward will be calculated based on CDs booking amount for CDs issued by maximum end of the following month from the CIF opening date (New to Bank)
From 50,001 to 100,000 1000
From 100,001 to 500,000 1500
From 500,001 to 2M 2000
More than 2M 3000
Accounts (Packages) My First (Starting 1K or more) 200 Reward will be calculated based on Package subscription by maximum end of the following month from the CIF opening date (New to Bank)
Optime 500
Fidele 1000
Credit Cards Gold CC 300 Reward will be calculated based on New Credit card issuance, Activation & Min. 1 Purchase Transaction by maximum end of the following month from the CIF opening date (New to Bank)
Platinum CC 500
Infinite CC 1000
Loans From 20,000 to 200,000 500 Reward will be calculated based on Loan amount booked by maximum end of the following month from the CIF opening date (New to Bank)
From 200,001 to 500,000 1000
From 500,001 to 1,000,000 1500
More than 1,000,000 2000

Important note: The new customer must first open an account before applying for any of the above products.

Terms & Conditions apply.