Banque Misr Smart Business

Business current account

An interest-bearing current account for non-individuals in AED or USD.

Explore

At a glance

Key facts

Account typeSmart Business interest-bearing current account for non-individuals

Minimum balanceAED 25,000 monthly average or foreign-currency equivalent

CurrenciesAED and USD Smart Business current-account options

InterestAED/USD monthly-average tiers: up to 10,000, 0%/0%; 10,000.01–50,000, 0.10%/0.05%; 50,000.01–200,000, 0.15%/0.10%; 200,000.01–5 million, 0.25%/0.15%; above 5 million, 0.10%/0.05% per year

Cheque bookFirst Smart Business cheque book included; later books priced by leaf count

Teller accessUnlimited free teller transactions at Banque Misr UAE branches and cash deposits at its ATMs

International transfersManual and online overseas transfers with separate OUR correspondent charges

PayrollWPS files priced by employee count and upload channel

Tariff dateBusiness schedule effective 1 September 2026

Fees

Smart Business account opening · one-timeAED 157.5

Smart Business account maintenance · per monthFree

Smart Business charge below AED 25,000 monthly average or foreign-currency equivalent · per monthAED 210

See all fees

Use cases

Use casesBusiness accounts, International payments, Payroll

Fees

157.5AED

Smart Business account opening · one-time

Free

Smart Business account maintenance · per month

210AED

Smart Business charge below AED 25,000 monthly average or foreign-currency equivalent · per month

Smart Business closure within six monthsAED 105

Dormant account feeFree

Foreign-currency cash deposit or withdrawal0.525% of amount, minimum AED 52.50, maximum AED 525 or foreign-currency equivalent

Cash deposit or withdrawal above AED 1 millionAED 262.50 per AED 1 million, pro rata

First Smart Business cheque bookFree

Later 10-leaf Smart Business cheque bookAED 10.5

Later 25-leaf Smart Business cheque bookAED 26.25

Later 50-leaf Smart Business cheque bookAED 52.5

Corporate internet banking subscription per company · per monthAED 36.75

Corporate internet banking subscription per user · per monthAED 15.75

Semiannual account statementFree

Additional current-year statement pageAED 10.5

Statement from a prior yearAED 52.50 for first prior year or AED 105 for each older year, plus AED 10.50 per page

Transfer between own Banque Misr accounts · per transferFree

Transfer to another Banque Misr account · per transferFree

Manual UAE AED transfer · per transferAED 78.75

Online UAE AED transfer · per transferAED 10.5

Manual foreign-currency or overseas AED transfer · per transferAED 157.5

Online foreign-currency or overseas AED transfer · per transferAED 42

Domestic transfer amendment or refundAED 78.75

Overseas transfer amendment or refundAED 78.75

Egypt transfer amendment or refundAED 31.5

AED transfer outside UAE using OUR allocation, additional charge · per transferAED 105

Foreign-currency OUR correspondent chargeAED 126, with any correspondent excess also charged

Incoming transfer · per transferFree

Instant AED transferAED 0.525

Cheque clearingAED 10.5

Post-dated cheque custodyAED 21

Inward returned chequeAED 262.5

Outward returned chequeAED 105

Inward special cheque clearingFree

Outward special cheque clearingAED 210

Banque Misr cheque clearingAED 31.5

Foreign-currency cheque collectionAED 52.50 plus correspondent and courier charges

Balance, liability, no-liability, IBAN or reference letterAED 262.5

Company-establishment certificate for capital up to AED 300,000AED 1,050

Company-establishment certificate for capital above AED 300,000AED 1,575

AECB information chargeAED 63

Cheque copy less than one year oldAED 10.5

Cheque copy over one year oldAED 21

Cheque stop paymentAED 52.5

Manager's cheque issuance0.105% of cheque, minimum AED 52.50, maximum AED 210

MT940 account-statement SWIFT subscription per account · per monthAED 105

MT940 account-statement SWIFT maintenance per account · per yearAED 315

Returned inward direct-debit claim or DD501Free

Standing-instruction placementAED 52.5

Standing-instruction amendmentAED 52.5

Standing-instruction executionAED 10.50 plus the regular transfer charge

Standing instruction not executed for insufficient fundsFree

Smart Business debit-card issuanceAED 105

Business debit-card replacement or supplementary cardAED 105

Debit-card PIN replacementAED 26.25

Debit-card sales-slip copyAED 26.25

Banque Misr ATM transaction within UAEFree

Other UAE-bank ATM transactionAED 2.1

GCC ATM balance inquiryAED 5.25

GCC ATM withdrawalAED 6.3

Debit-card foreign-currency conversion surcharge1.785%

ATM cash withdrawal outside UAEAED 21

Other UAE-bank ATM mini statementAED 1.05

Customer-prepared WPS file for 1–50 employeesAED 26.25

Customer-prepared WPS file for 51–100 employeesAED 52.5

Customer-prepared WPS file for over 100 employeesAED 105

Branch-uploaded WPS file for 1–50 employeesAED 52.5

Branch-uploaded WPS file for 51–100 employeesAED 78.75

Branch-uploaded WPS file for over 100 employeesAED 131.25

Employer WPS monthly service · per monthAED 3.15

Employer WPS additional cardAED 2.1

Employer WPS cash payment at work siteAED 5.25

Employee WPS card replacementAED 26.25

Employee WPS card renewalAED 26.25

Employee WPS card PIN replacementAED 26.25

Employee WPS card withdrawal at a non-Banque Misr UAE ATMAED 2.1

Employee WPS card balance inquiry at a non-Banque Misr UAE ATMAED 1.05

Business attestation service per requestAED 2,257.5

Specialized cheque-book formatBy contract

Scheduled or ad hoc cheque pickupBy contract

Good to know

Interest calculation

Interest is calculated on the monthly average, credited monthly and can change. The published tier table controls the AED and USD rates.

Card issue

The international contactless business debit card is issued at the bank's discretion; its published issuance charge is separate from the included first cheque book.

Overdraft

The account terms do not authorize an overdraft unless Banque Misr permits it. Any permitted overdraft uses the bank's prevailing rate and charges.

Additional transfer costs

Foreign-currency OUR payments can incur correspondent charges above the listed amount. Standing-instruction execution also adds the applicable regular transfer price.

WPS employee charges

The employee-card replacement, renewal, PIN and non-Banque Misr ATM charges apply to the employee's WPS card, separately from the employer's file-processing charges.

Important stuff

Banque Misr business schedule effective Sep 2026

Opens in a new tab

Banque Misr non-individual account opening terms

Opens in a new tab

At a glance

Key facts

Account typeSmart Business interest-bearing current account for non-individuals

Minimum balanceAED 25,000 monthly average or foreign-currency equivalent

CurrenciesAED and USD Smart Business current-account options

Cheque bookFirst Smart Business cheque book included; later books priced by leaf count

Teller accessUnlimited free teller transactions at Banque Misr UAE branches and cash deposits at its ATMs

International transfersManual and online overseas transfers with separate OUR correspondent charges

PayrollWPS files priced by employee count and upload channel

Tariff dateBusiness schedule effective 1 September 2026

Fees

Smart Business account opening · one-timeAED 157.5

Smart Business account maintenance · per monthFree

Smart Business charge below AED 25,000 monthly average or foreign-currency equivalent · per monthAED 210

See all fees

Use cases

Use casesBusiness accounts, International payments, Payroll

Fees

157.5AED

Smart Business account opening · one-time

Free

Smart Business account maintenance · per month

210AED

Smart Business charge below AED 25,000 monthly average or foreign-currency equivalent · per month

Smart Business closure within six monthsAED 105

Dormant account feeFree

Foreign-currency cash deposit or withdrawal0.525% of amount, minimum AED 52.50, maximum AED 525 or foreign-currency equivalent

Cash deposit or withdrawal above AED 1 millionAED 262.50 per AED 1 million, pro rata

First Smart Business cheque bookFree

Later 10-leaf Smart Business cheque bookAED 10.5

Later 25-leaf Smart Business cheque bookAED 26.25

Later 50-leaf Smart Business cheque bookAED 52.5

Corporate internet banking subscription per company · per monthAED 36.75

Corporate internet banking subscription per user · per monthAED 15.75

Semiannual account statementFree

Additional current-year statement pageAED 10.5

Statement from a prior yearAED 52.50 for first prior year or AED 105 for each older year, plus AED 10.50 per page

Transfer between own Banque Misr accounts · per transferFree

Transfer to another Banque Misr account · per transferFree

Manual UAE AED transfer · per transferAED 78.75

Online UAE AED transfer · per transferAED 10.5

Manual foreign-currency or overseas AED transfer · per transferAED 157.5

Online foreign-currency or overseas AED transfer · per transferAED 42

Domestic transfer amendment or refundAED 78.75

Overseas transfer amendment or refundAED 78.75

Egypt transfer amendment or refundAED 31.5

AED transfer outside UAE using OUR allocation, additional charge · per transferAED 105

Foreign-currency OUR correspondent chargeAED 126, with any correspondent excess also charged

Incoming transfer · per transferFree

Instant AED transferAED 0.525

Cheque clearingAED 10.5

Post-dated cheque custodyAED 21

Inward returned chequeAED 262.5

Outward returned chequeAED 105

Inward special cheque clearingFree

Outward special cheque clearingAED 210

Banque Misr cheque clearingAED 31.5

Foreign-currency cheque collectionAED 52.50 plus correspondent and courier charges

Balance, liability, no-liability, IBAN or reference letterAED 262.5

Company-establishment certificate for capital up to AED 300,000AED 1,050

Company-establishment certificate for capital above AED 300,000AED 1,575

AECB information chargeAED 63

Cheque copy less than one year oldAED 10.5

Cheque copy over one year oldAED 21

Cheque stop paymentAED 52.5

Manager's cheque issuance0.105% of cheque, minimum AED 52.50, maximum AED 210

MT940 account-statement SWIFT subscription per account · per monthAED 105

MT940 account-statement SWIFT maintenance per account · per yearAED 315

Returned inward direct-debit claim or DD501Free

Standing-instruction placementAED 52.5

Standing-instruction amendmentAED 52.5

Standing-instruction executionAED 10.50 plus the regular transfer charge

Standing instruction not executed for insufficient fundsFree

Smart Business debit-card issuanceAED 105

Business debit-card replacement or supplementary cardAED 105

Debit-card PIN replacementAED 26.25

Debit-card sales-slip copyAED 26.25

Banque Misr ATM transaction within UAEFree

Other UAE-bank ATM transactionAED 2.1

GCC ATM balance inquiryAED 5.25

GCC ATM withdrawalAED 6.3

Debit-card foreign-currency conversion surcharge1.785%

ATM cash withdrawal outside UAEAED 21

Other UAE-bank ATM mini statementAED 1.05

Customer-prepared WPS file for 1–50 employeesAED 26.25

Customer-prepared WPS file for 51–100 employeesAED 52.5

Customer-prepared WPS file for over 100 employeesAED 105

Branch-uploaded WPS file for 1–50 employeesAED 52.5

Branch-uploaded WPS file for 51–100 employeesAED 78.75

Branch-uploaded WPS file for over 100 employeesAED 131.25

Employer WPS monthly service · per monthAED 3.15

Employer WPS additional cardAED 2.1

Employer WPS cash payment at work siteAED 5.25

Employee WPS card replacementAED 26.25

Employee WPS card renewalAED 26.25

Employee WPS card PIN replacementAED 26.25

Employee WPS card withdrawal at a non-Banque Misr UAE ATMAED 2.1

Employee WPS card balance inquiry at a non-Banque Misr UAE ATMAED 1.05

Business attestation service per requestAED 2,257.5

Specialized cheque-book formatBy contract

Scheduled or ad hoc cheque pickupBy contract

Good to know

Interest calculation

Interest is calculated on the monthly average, credited monthly and can change. The published tier table controls the AED and USD rates.

Card issue

The international contactless business debit card is issued at the bank's discretion; its published issuance charge is separate from the included first cheque book.

Overdraft

The account terms do not authorize an overdraft unless Banque Misr permits it. Any permitted overdraft uses the bank's prevailing rate and charges.

Additional transfer costs

Foreign-currency OUR payments can incur correspondent charges above the listed amount. Standing-instruction execution also adds the applicable regular transfer price.

WPS employee charges

The employee-card replacement, renewal, PIN and non-Banque Misr ATM charges apply to the employee's WPS card, separately from the employer's file-processing charges.