SWIFT codes in Egypt
EG · EGP
86 banks in Egypt, from BANQUE MISR (BMISEGCX) onward; every code carries EG as its country part.
Banks
86
SWIFT codes
4
Branches
20
Currency
EGP
Banks and SWIFT codes in Egypt
BBANQUE DU CAIRE
| SWIFT/BIC | City |
|---|---|
BCAIEGCXXXX | CAIRO |
BCAIEGCX112 | CAIRO |
BCAIEGCX111 | CAIRO |
BCAIEGCX110 | CAIRO |
BCAIEGCX120 | CAIRO |
BBANQUE MISR
| SWIFT/BIC | City |
|---|---|
BMISEGCXFCC | CAIRO |
BMISEGCXCOL | CAIRO |
BMISEGCXXXX | CAIRO |
BMISEGCXREC | CAIRO |
BMISEGCXTFC | CAIRO |
CCOMMERCIAL INTERNATIONAL BANK (EGYPT) S.A.E.
| SWIFT/BIC | City |
|---|---|
CIBEEGCX091 | CAIRO |
CIBEEGCX092 | CAIRO |
CIBEEGCX094 | CAIRO |
CIBEEGCX095 | 6TH OF OCTOBER |
CIBEEGCX096 | MANSOURA |
NNATIONAL BANK OF EGYPT
| SWIFT/BIC | City |
|---|---|
NBEGEGCX471 | GHARBIA |
NBEGEGCX470 | MONUFIA |
NBEGEGCX472 | TANTA |
NBEGEGCX491 | QENA |
NBEGEGCX490 | BENI SUEF |
Egypt SWIFT code questions
What does a Egypt SWIFT code look like?
BMISEGCXXXX (BANQUE MISR): bank BMIS, country EG, location CX, branch XXX.
What are the SWIFT codes for major Egyptian banks?
Key Egyptian bank SWIFT codes include: National Bank of Egypt — NBEGEGCX, Banque Misr — BMISEGCX, Commercial International Bank (CIB) — CIBEEGCX, Banque du Caire — BCAIEGCX, and HSBC Egypt — HBEGEGCX.
How do I receive money from abroad into an Egyptian bank account?
To receive an international wire transfer in Egypt, provide the sender with: your bank's SWIFT/BIC code, your full account number (Egypt does not use IBAN for standard accounts), your full name as registered with the bank, the bank branch name and address, and a clear transfer purpose. The receiving bank will convert foreign currency to EGP at the official CBE rate unless you hold a foreign currency account.
Can I receive USD or EUR directly in an Egyptian bank account?
Yes. Egyptian banks offer foreign currency accounts (حساب عملات أجنبية) that can receive and hold USD, EUR, GBP, and other currencies. The Central Bank of Egypt permits individuals to hold foreign currency accounts. This is particularly useful for Egyptians working abroad or for businesspeople who regularly receive foreign currency payments. Standard EGP accounts receive foreign currency converted at the CBE official rate.
How long does a SWIFT transfer to Egypt take?
SWIFT transfers to Egypt typically arrive within one to three business days. Transfers from Gulf countries (Saudi Arabia, UAE, Kuwait, Qatar) — major sources of Egyptian remittances — usually settle within one to two business days. The National Bank of Egypt and Banque Misr, being the largest state-owned banks, have strong correspondent banking relationships that facilitate faster settlement.
What is Egypt's exchange rate situation for inbound transfers?
Egypt has undergone significant foreign exchange reforms. The Egyptian pound (EGP) has been devalued multiple times, and the CBE has moved toward a more flexible exchange rate regime. All inbound foreign currency transfers through official banking channels are settled at the official CBE rate. Using official banking channels is strongly encouraged by CBE, which actively monitors remittance flows.
Are there CBE regulations on large inbound transfers to Egypt?
Yes. The Central Bank of Egypt requires that inbound business transfers be documented with invoices, contracts, or other supporting materials. Personal remittances are generally processed without additional requirements. Egypt does not impose withholding tax on personal remittances. Large or repeated transfers from unusual origins may trigger additional compliance review by the receiving bank.
Are there fees for receiving a SWIFT transfer in Egypt?
Egyptian banks typically charge an inbound wire processing fee, often EGP 50–200 per transaction, depending on the bank. Currency conversion from USD or other currencies to EGP includes an additional spread. Expatriate Egyptians sending money home should compare the total effective exchange rate (including conversion spread and fees) across multiple providers, as rates can differ significantly.
How SWIFT works in Egypt
The Central Bank of Egypt (CBE) regulates foreign exchange and international payments. Egypt operates an ACH (Automated Clearing House) system for domestic EGP transfers, while international wires use SWIFT. Remittances from Egyptians working abroad are one of the country's most important sources of foreign currency. The National Bank of Egypt, Banque Misr, and Commercial International Bank (CIB) are the dominant players in international wire transfer processing.
- Egypt's three most-used banks for inbound SWIFT transfers are the National Bank of Egypt (NBEGEGCX), Banque Misr (BMISEGCX), and Commercial International Bank (CIBEEGCX). The National Bank of Egypt and Banque Misr are both state-owned and handle the bulk of diaspora remittances. CIB is the largest private sector bank and is widely used for business and corporate international payments.
- CBE regulations require that inbound foreign currency be converted to EGP at the bank's declared rate unless the recipient holds a foreign currency account. Egypt has maintained multiple exchange rate mechanisms historically, and the official versus parallel market rate gap has varied significantly. Using official bank channels ensures that transfers are received at the CBE-published rate and that the recipient avoids complications with foreign currency regulations.
- Egypt imposes no withholding tax on inbound remittances, and personal transfers from expatriate Egyptians are encouraged by CBE policy. However, large business transfers may require documentation such as commercial invoices, import licences, or contracts before the receiving bank releases funds. Ensuring that payment references match the declared purpose helps prevent compliance delays.
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JapanNeed an IBAN?
Egypt IBANs run 29 characters, e.g. EG38 0019 0005 0000 0000 2631 8000 2.
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