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Frequently Asked Questions

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:
  • Market Risk
  • Credit Risk
  • Interest Rate Risk
  • Liquidity Risk
  • Concentration Risk
  • 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.  

Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank

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.

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

EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.
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Let’s Go-Digital

1- Stay connected and use our digital services
b

Do you need help to register using your active bank card on banki Mobile and enjoy its variable features?

  • Here’s how to register using your Card or T-Pin

    • Register using your Active Card: Click Here

    • Register using your Bank ID# and Telephone PIN : Click Here

b

Did you forget your username?

  • No worries, click here to retrieve your username
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Did you forget your password?

No worries, click here to retrieve your password

b

Do you want to setup your fingerprint login?

  • No need to enter your login credentials with every login
  • Click here to activate your fingerprint login click here
b

Do you want to check your account balance at any time?

  • Press on “personal Accounts”
  • Tab the account number to review last 50 transactions done
b

Do you want to change your mobile number?

  • Now you can change your registered mobile number with no need to visit the branch.
  • To change your mobile number instantly click here
  • We will send you all communication> and transaction notification on your new mobile number
b

Do you need help to register in the SMS alerts service banki Alert?

b

Do you need help to change your billing profile / language/ banki Alert billing account?

  • Steps to change your billing profile/ language / billing account: click here
b

Do you need fast and easy login to banki Mobile? Setup your Face ID now (For supported IOS devices)

  • Now you can setup your Face ID. You’ll no longer need to enter your credentials with every login.
  • To know how to setup your face ID on banki Mobile, click here.
b

Do you want to activate your banki Token to start making payments and transfers?

  • Easily activate your banki Token now from banki Lite using your laptop or PC.
  • To view steps click here
b

Do you want to request an ATM dispute without the need to visit the branch?

  • You can now submit an ATM dispute request using banki Mobile at any time from anywhere, in a few seconds and you will no longer need to visit the branch!
  • For the steps, click here.
b

Do you want to use Taqsit service for your transactions easily when purchasing all your necessities using your Credit Card and choose the best instalment plan wherever you are with no need to visit the branch?

  • Login now to banki Mobile and activate “Taqsit” service through the following steps: click Here
b

Do you want to redeem your Happy points using banki Mobile?

  • You can now check your Happy points balance and redeem them using banki Mobile in a few seconds.
  • View steps, click here.
  •  You can also discover ALL participating merchants through “Happy points” Merchants Catalogue on banki Mobile
b

Do you want to activate a Token through your Mobile device to be able to perform transfers and payments outside your accounts?

  • Now using banki Mobile app latest version, easily activate your soft token to start making transfers & payments!
  • To view the steps click here

 

2-Managing your cards just got easier
b

Did you receive your new card and want to activate it to start using it?

Here’s how to activate your card click here

b

Do you want to settle your credit card since It’s your card due date?

  • Transfer money from your account to your card. (no token needed)
  • To settle your credit card from your account on banki Mobile click here

 

3-Settle your credit cards dues in other banks
B

Do you want to settle your credit card in another bank? Using banki Mobile you can transfer to your credit card in any bank in Egypt

  • This Transfer is free till further notice
  • To activate your token click here:
  • Steps to transfer to other cards in other banks inside Egypt:
    • Choose “Transfers/Payments”.
    • Then choose “banks inside Egypt”.
    • Click “from” and choose your account number.
    • Then click “to” and choose “banks inside Egypt”.
    • Then fill in all the required fields & add the card number in the account number field.
    • Then add the amount.
    • Press “continue” & choose transfer/payment reason.
    • Enter the “TOKEN” & press “confirm”.
  • To know more, click here.

 

4-Pay all your bills while staying at home
b

Do you want to pay all your bills using banki Wallet?

  • Start using banki Wallet to pay your bills
  • As  you pay different bills remember to set them as “favorites” so you can easily pay them again next time.
  • To register & activate banki Wallet click here
  • To link you account using banki Wallet click here
  • To link you card using banki Wallet click here
b

Do you want to pay all your bills using banki Mobile?

  • As you pay different bills remember to set them as “favorites” so you can easily pay them again next time
  • To pay your bills through banki Mobile application  click here
b

Do you need to pay your electricity/ gas/ or water bill using banki Wallet?

  • Select “payment” from home page
  • Select “utility” from service type
  • Choose the “utility bill” you need to pay
  • Add the “subscriber number” on the utility receipt and confirm.
  • Payment details will come up, select pay.
  • Use the pin code of banki Wallet and confirm.
  • Payment done.
  • For steps  click here
b

Your club membership renewal is now easier with banki Wallet

Just follow the below steps

  • Select “payment” from home page.
  • Select “clubs subscriptions”
  • Select the club you need to renew its membership subscription.
  • Enter the “membership ID” which is written on your membership card.
  • Payment details will come up, select pay.
  • Use the M-pin code of banki Wallet and confirm.
  • Payment done.
  • to know more about the Steps click here
  • Terms & conditions apply
b

Do you want to pay with your banki Wallet by receiving a “request to pay – R2P” from the merchant?

  • Hassle free payment at home.
  • Receive now a “ Request to pay “ on banki Wallet from the merchant to pay your transaction in no time with simple steps
  • to know more click here

 

5- Do you need to send money to family, friends, or colleagues
b

Using banki Wallet you can transfer money to any wallet in Egypt, by inserting the beneficiary mobile # only!

  • You can even select your beneficiary from your mobile contact list.
  • This transfer is free of charge
  • Start using banki Wallet to pay your bills
  •  you pay different bills remember to set them as “favorites” so you can easily pay them again next time.
  • To register & activate banki Wallet click here
  • to Send Money trough banki Wallet: click here
b

Transfer to any Wallet in Egypt using banki Mobile

  • Transfer to any wallet in Egypt using banki Mobile.
  • This transfer is Free till further notice

Steps to transfer to any Wallet inside Egypt:

  1. Choose “transfers/payments”.
  2. Then choose “banks inside Egypt”.
  3. Click “From” and choose your account number.
  4. Then click “to” and choose “banks Inside Egypt”.
  5. Fill in all fields then add Wallet mobile number in beneficiary’s account filed.
  6. Choose transfer or ‘save and transfer’ to save the beneficiary data for future use/transfer.
  7. Then add the amount.
  8. Press “continue” & enter reason of transfer.
  9. Enter the “TOKEN” & press “confirm”.
b

Transfer to any bank Account/IBAN in Egypt using banki Mobile

  • Transfer to any Account/IBAN in Egypt using banki Mobile.
  • This transfer is free till further notice.

Steps to transfer to other Accounts/IBAN in other banks inside Egypt:

  1. Choose “transfers/payments”.
  2. Then choose “banks inside Egypt”.
  3. Click “From” and choose your account number.
  4. Then click “to” and choose “banks Inside Egypt”.
  5. Fill in all fields then add account number/IBAN in beneficiary’s account filed.
  6. Choose transfer or ‘save and transfer’ to save the beneficiary data for future use/transfer.
  7. Then add the amount.
  8. Press “continue” & enter reason of transfer.
  9. Enter the “TOKEN” & press “confirm”.

 

6-Do you need to check your Account/Credit Card using our digital services?
B

Check your transactions whether “Accounts/Credit Card”

  • Subscribe in E-statement for credit card and personal account and avoid charging fees for issuing printed statements
  • For the E-statement Registration, click here

 

7-Do you want to support the community and those heavily impacted by the current situation?
B

Donate to the organizations working closely with those impacted, using banki Mobile or banki Wallet

  • You can even select the organization you wish to donate to
  • To register & activate banki Wallet click here

Steps to Donate through banki Wallet:

  1. Press “payment tab” from Homepage
  2. Choose the bill category (Telecom, Charity,…)
  3. Choose biller type (Vodafone,….)
  4. Enter required amount or press “Recharge Amount”
  5. Click confirm
  6. Review transaction page will appear
  7. Press “ confirm”

 

  • You can even select the organization you wish to donate to

Steps to Donate through banki Mobile:

  1. Choose “Fawry Bill Payments”
  2. Click “From” and choose the account number to pay from
  3. Click “To” and choose “Bills”
  4. Click “Select biller” and choose “Charity”. choose the organization you wish to donate to under the Charity section
  5. Click “Pay/Add new bill”
  6. Select biller then fill in all required fields.
  7. Choose “Save & Pay” to add them as Favorites
  8. Enter Amount
  9. Enter “TOKEN” and click “Confirm”