As digital transformation rapidly accelerates, Bank Misr continues to strengthen its leading position in digital banking services through its BM Online application. This app is no longer just a way to check your balance; it has become a complete bank right in the customer's hand, eliminating the need to visit branches and keeping pace with the Instant Payment Network (IPN) system.
Instant Transfers
The latest updates have integrated the app with the Instant Payment Network, making financial transfers immediate and available around the clock, even during official holidays.
Using your mobile number: You can send money to anyone with a bank account or e-wallet simply by using their phone number or Instant Payment Address (IPA).
Speed and continuity: Transfers happen instantly, which greatly enhances the user experience and makes daily financial transactions more flexible and seamless.
Card Management
The app gives users complete control over their cards:
Instant activation: Activate credit and debit cards with just a tap.
Set or change PIN: Do this directly through the app without needing to visit a branch.
Spending analysis: Purchases are categorized by type (restaurants, shopping, bills), helping you manage your personal budget efficiently.
Digital Banking and Investment Services
The app serves as a comprehensive platform for banking and investment operations:
Certificates and deposits: Easily link new certificates, inquire about returns, or even break a certificate.
Loans: Apply for personal loans or car financing, then track your application status and installment count.
Open additional accounts: You can create sub-accounts in local or foreign currency directly through the app.
BM Rewards Program: Turning spending into real value
Accumulate points: Every card purchase earns you points, excluding cash withdrawals.
Redeem points: Points can be converted into shopping vouchers for popular stores, used for direct payment, or sometimes even as cashback into your account.
Additional Special Services
Bill payments: Recharge mobile credit, pay electricity, water, and gas bills, and even university fees through the Fawry system integrated within the app.
Book appointments: Reserve a 'turn' at a branch before you go to avoid long waits.
Cardless withdrawals: Issue cash withdrawal orders from the bank's ATMs using only your mobile phone.
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