bebasata
You don’t need to change your bank to become one of our clients. Just open an account with us and enjoy our special benefits, such as zero subscription, periodic fees, and commission. Our digital banking products & services are full of benefits & privileges which make your banking experience smarter.
- We have ensured availing several dedicated communication channels to our clients:
Our website: bebasata.qnb.com.eg
Mobile app
Online banking
ATMs of all domestic and foreign banks (QNB ATM)
- You can also communicate with us through:
Customer Experience Management Team: 16607
Clients’ inquiries: customer.inquiry@bebasata.qnb.com.eg
Client’s concerns/feedback: customer.experience@bebasata.qnb.com.eg
Clients’ requests: authorized.email@bebasata.qnb.com.eg (via clients’ authorized mails)
- QNB internet banking/mobile banking allow clients to do several transactions remotely/online instead of visiting QNB branches. On the other hand, some other transactions cannot be carried out online and require clients’ presence in the branches to be executed
- In contrary, we design bebasata digital service that you don’t need to visit a physical branch as we apply branchless concept, while becoming a client, after becoming a client, and even when applying for any product/service and carrying out your banking transactions. Everything is done digitally.
- With an aim to become a very special digital platform, QNB bebasata brought by QNB marks the start of a new digital banking era.
- Our motto is to offer best in class client experience so that our clients can enjoy a smarter, simpler and more convenient digital banking journey. Just download QNB bebasata app or visit our website bebasata.qnb.com.eg and we will be really happy to be one of our customers.
Currently, we can open account for individuals only.
Yes, whether you are an existing QNB client or not, you need to apply in our platform to become a client and open account & benefit from its exclusive advantages.
Simply fill in the on boarding application form from our website or mobile app. Then, you will receive a call from us to schedule an appointment with you at your address (only for one time) to sign the contract and to receive your debit card instantly. By then, you have become a client & you can enjoy our benefits.
Generally, you will need:
- A valid national ID or the passport for foreigners (for adults only)
- A new utility bill (Gas, electric or water)
- Source of income & valid residence for foreigners
The bank has the right to ask for further documents.
Foreign nationals that have a valid residence, can apply to open account.
No, you won’t be able to do so. Our representative will assist you only to sign the contract & give you an orientation about us. You can deposit money at any of QNB ATMs.
There are not any subscription or periodical fees for QNB bebasata products and services. For other tariffs applied, please click here.
Accounts
You can go back up to one year for transactions review; if you would like to go back for earlier transactions more than one year, you can refer to your e-statement for this historical data.
While designing our products, we have always considered your basic needs and the products and services you use most. For this reason, we just included these two most commonly used foreign currencies in Egypt. Later, we might present more foreign currencies based on your banking needs.
You can track and control all your accounts via online banking and mobile app by reviewing your transactions & movements. You can also regularly check your e-statement.
- You can do an electronic money transfer from another account. You can also use all QNB ATMs that accept cash deposits to deposit cash into your current account in EGP.
- Since we are providing services only through digital channels, we expect you to use QNB branches only for the below exceptional cases: For cash deposit / withdrawal with amounts greater than your debit cards limit. For cash deposit / withdrawal in foreign currency.
- When you deposit money in EGP through ATM machines, the value date will be Day+1 Working Day.
- When you deposit money in EGP over the counter at any branch the value date will be Day+2 Working Day.
- When you deposit FCY over the counter at any branch the value date will be Day+4 Working Day.
- When you receive ACH incoming transfer during working days, the value date will be same day
- When you receive ACH incoming transfer during days off, the value date will be next working day.
- When you receive Internal transfer during working days, the value date will be same day
- When you receive Internal transfer during days off, the value date will be next working day
- When you receive IPN transfer during working days, the value date will be same day
- When you receive IPN transfer during days off, the value date for all transactions will be next working day
Minimum opening balance is EGP 1.
You can request it through mobile app from “Help Tap”. For more info, contact Customer Experience Management Team 16607
Current account in EGP is automatically opened as soon as you become a client. If you would like to open an additional current account in USD or EUR after becoming our clients, you can do this simply through the online banking or mobile app.
Yes, you will have an e-statement for all your accounts separately through mobile app and internet banking.
It’s your main account where all your main account transactions occur from. It’s non-earning interest account, but you can enjoy fast, easy transactions. You can use your money in this account whenever you want. You can easily and smoothly make your transfers and payments through this account.
No periodic/issuance charges will be applied.
Since QNB bebasata clients’ nature is mostly towards digital channels, they are normally requested to withdraw from ATMs and deposit via QNB ATMs network. In case you withdraw over the counter for amounts less than debit card daily withdrawal limit, a charge of EGP50 will be applied per transaction. However, there are very limited cases where you will need to withdraw/deposit over the counter such as:
- You need to deposit/withdraw FCY from your bebasata current account (at zero fees)
- You need to withdraw /deposit amounts greater than daily limits applied (at zero fees)
- Branch ATM is temporary out of service or ATM does not accept cash for deposit transaction
You can find it on account e-statement or transaction movement receipt on mobile app and internet banking.
The interest is calculated daily on your end of day balance & credit monthly to your account.
The savings account has an interest which is calculated on a daily basis and is credited monthly. You can rename and manage multiple savings accounts based on your saving goals.
Unfortunately, you cannot do shopping from your savings account. You can use your debit card linked to your main Current Account in EGP to spend. This is to help you save more in your savings accounts.
Since we designed the savings account to allow you save more, we've made it a little harder for you to pay or spend from this account. If you want to use the money in your savings account, you must first transfer your money to your main EGP current account and then withdraw it as cash from the ATM. By doing so we tried to make you think twice before spending your savings, because the more you save, the higher interest you gain via the tiered interest rates.
We created the tiered savings account to encourage you to save more. The more you save, the higher interest you gain.
Minimum opening amount is EGP 1; you do not need to have big amount of money to open a Savings account. Your intention is enough.
No opening /periodic charges will be applied.
You have 3 options:
- TD principal + Interest are credited to your account.
- TD principal to be automatically renewed.
- TD principal + interest to be automatically renewed.
You can issue TD instantly by selecting the tenor and the amount using mobile app or online banking.
Minimum amount is EGP 1,000 and could be increased by any amount.
TDs is a best option for your short term saving plan in EGP with very preferential rate. You can create TD to earn competitive interest at the end of TD duration. The money should remain in the TD till the maturity date to enjoy the interest; also, you can rename your TDs based on your saving goal. Meanwhile we have a variety tenors of TDs 1 month, 3 months & 6 months with fixed interest rate. You can renew your TD automatically.
You can create multiple TDs and you can rename them based on your saving goals.
Breakage is available at any time but partial breakage is not available & If TD is broken before maturity date, zero interest will be paid.
You can invest your money and let it grow with our CDs and secure your future by having fixed source of income regularly; it is available in EGP only. Also, you can get a secured loan against your CD at any time. You can maximize your savings by transferring the interest gained from the CD to your savings account.
CD can be broken at any time 6 months after its issuance date (partial breakage is also available). Breaking will be based on the bank declared breaking schedule.
You can issue the CD instantly by selecting the amount only using mobile app or online banking, meanwhile the available tenor is 3 years; you can choose to among different periodicities of interest payment: monthly, quarterly, semi-annually, or annually.
Yes, you can send request to break the pledged CD to settle the loan or credit card by submitting a request to authorized.email@bebasata.qnb.com.eg.
You must settle the secured loan first, then you can break the CD.
Minimum issuance is EGP 1,000 and can be increased by its multiples; there are no maximum number of CDs you can issue.
When any of withdrawal, deposit transactions, or electronic/authenticated balance inquiry don’t occur on account for one year with respect to current account and 2 years for savings account
Through executing purchase transaction using QNB bebasata debit card, or ATM balance inquiry, cash withdrawal transaction, cash deposit, or do a transfer from your account through mobile app/internet banking
Through logging in QNB bebasata mobile app/online banking or do an ATM balance inquiry, or calling Customer Experience Management Team 16607
Please call Customer Experience Management Team 16607
You can submit the account closure request and fulfill all mandatory data via the internet banking or mobile app.
Available balance in the savings account will be automatically transferred to your current account once you request to close the account.
- You can’t close the current account in EGP since it is your main account but you can contact the Customer Experience Management team 16607 to execute your request or send us at authorized.email@bebasata.qnb.com.eg.
- For foreign currency, yes sure you can; if there is still available balance in your current account in foreign currency (an automatic alert message will appear asking you to withdraw or transfer amounts in order to proceed with the request); once you transfer/withdraw the money, you will be able to submit an account closure request on the next working day.
Yes, you will get it and we will credit the amount to your EGP current account.
Cards
The bebasata debit card is a contactless card available in EGP which gives you privileges such as paying for your purchases , while making experiences like shopping, hotel reservations, and bill payments cashless.
The cards are renewed automatically upon the expiry date.
You should deactivate your card immediately through our online banking / mobile app or call Customer Experience Management Team 16607.
You will receive it through a courier at your determined address, and you can activate the card upon receiving it through our mobile app or through our Customer Experience Management Team at 16607.
You can check your balance, you can have a mini statement; you can also change your PIN but through QNB ATMs only.
- Whenever you want a personalized debit card including your name embossed on the card.
- Card damaged.
- Card lost or stolen.
Yes, we can offer you a customized debit card carrying your name; but in this case, there will be issuance fees for the card, and you can request it from 16607 through our customer solution center or authorized mail: authorized.email@bebasata.qnb.com.eg.
You will get a free SMS after each purchase transaction, and you can also track your transactions through checking the account movements on the mobile app or internet banking.
You can deactivate your debit card through the mobile app, online banking, or calling the Customer Experience Management Team 16607 and a request for card re-issuance will be done automatically. The re-issued card will be delivered to you by the courier; upon receiving the card, you can activate it through the mobile app or calling 16607.
No issuance/ renewal fees for your debit card.
No, it is only linked to current account in EGP to help you not to withdraw from your savings so that they can easily grow.
- You already receive your card activated when you receive it for the 1st time upon finishing the on boarding journey.
- To activate a re-issued debit card, you need to call the Customer Experience Management team 16607 or send to authorized.email@bebasata.qnb.com.eg.
You will receive his debit card within 5 working days from request submission date.
You create or change a pin code for the debit card through any QNB ATMs.
No, you will not be able to use the old debit card; the old card will be deactivated automatically upon issuing the new one.
5 years.
In case of the card was captured in branch ATMs, please visit the branch to receive the card, but if you don’t visit the branch to receive your card, it will be destructed and then you can deactivate the card via mobile app: choose settings>> Becard>> Card status and another card will be issued automatically or please call 16607
We will inform you via notification / e-mail that your request has been rejected & you can contact Customer Experience Management Team 16607 for more details.
You can find the international limits for QNB bebasata Credit Cards here .
Of course, you can use your credit card for purchase and cash withdrawal locally & internationally; for more info about the limits please call Customer Experience Management Team 16607.
When your credit card is broken, does not work properly, or has any problem you should notify us by sending an e-mail from your authorized e-mail to authorized.email@bebasata.qnb.com.eg or by calling our QNB bebasata Customer Experience Management Team 16607 to solve your problem or request a new card if necessary.
- Of course, you can; you can do the needed transaction through the entity POS or their website or applications.
- You can also pay your bills via Fawry network (bill payment) integrated in our mobile app.
Thanks to call Customer Experience Management Team 16607 to leave a travel note so that you can ensure that the card works properly abroad.
No issuance/renewal fees for your credit card.
You can call QNB bebasata Customer Experience Management Team 16607 or send from your authorized email to authorized.email@bebasata.qnb.com.eg to cancel your card. But first you should settle your outstanding balance for credit card.
You can go back up to one month for transactions review; if you would like to go back for earlier transactions more than one month, you can refer to your e-statement for this historical data.
Yes, of course you can make an installment transaction though QNB POS merchants’ network.
Your application is evaluated based on our credit policies and relevant legal regulations & I-Score. But for information, please call our Customer Experience Management Team 16607.
You can settle your credit card amount through the internet banking or mobile app by transfer the amount from your current account to the credit card and if you didn’t settle it, we will automatically deduct the minimum payment which is 5% from your total utilization.
Yes you can, but it is not recommended because you will be charged the transfer fees; so we advise you to settle your QNB credit card using QNB mobile banking/internet banking from QNB accounts for free without bearing any additional charges.
Certainly. You have the freedom to settle your outstanding balance from 5% to 100% based on your financial capability.
- Fully secured - against your CD (Limit is up to 80% of the CD principal amount)
- Unsecured - against club membership.
Anyone can apply credit card. However, it should be either against your CD or against certain clubs membership set us. All applications are evaluated within our credit policies, considering the bank criteria.
You can create your PIN through two channels:
- Via QNB bebasata website Credit Card page "Set your pin" or tap directly here
- Or call customer experience management team on 16607 and create your PIN through the IVR service.
The card can be fully secured against QNB bebasata CDs or unsecured against your club membership (clubs list identified by the bank). For more info, contact Customer Experience Management Team 16607
You can activate your card through our mobile app or please call 16607.
By using the bebasata credit card, you can enjoy the contactless service of buying whatever you wish instantaneously and easily while paying safely later on with free issuance / renewal fees. You can easily shop, pay, and withdraw cash within the limits offered to you locally & internationally. On the other hand, you can settle your credit card dues easily through our online banking & mobile app.
If you were not there at the address, the courier company will try to contact you for three consecutive delivery attempts. If the courier company does not contact you in a short time, please call us on 16607 Customer Experience Management Team to help you in redelivering it again.
- Heliopolis
- Sky
- El Gezira
- Sporting
- Maadi
- Shooting Club
- Smash
- Platinum
- AL Ahly
- Zohour
- Rehab
- El Shams
- Madinty
- Wadi Degla clubs
- Heliolido club
- Semouha club
5 years.
You need to submit your request to authorized.email@bebasata.qnb.com.eg and your request will be evaluated based on the bank credit criteria and will be processed if meeting the criteria; if not accepted, you will be notified by either email or notification, and you can call the Customer Experience Management Team 16607 for more info.
The minimum purchase amount to be installed is EGP500 & the available installment durations in are 6,12,18, 24, or 36 months.
If your Credit Card is lost or stolen, you should immediately deactivate it from our online banking or mobile application or call our Customer Experience Management Team 16607 to take the necessary action to stop the card.
No, you won’t. You can check your credit card statement through e-statement that is available on internet banking and mobile app.
Secured loan
EGP Secured Loan against CDs is a loan that allows you to cover your expenses without losing your savings; here we grant you a loan secured against your bebasata CD.
Via mobile application & online banking.
We will inform you via notification/email that your request has not been accepted & you can contact Customer Experience Management Team 16607 for more details.
No, monthly installment is only available.
You will be charged for late payment fees, and this will affect your credit history and may cause negative impact whenever you apply for any facility later on.
The loan duration starts from 6 months and can reach up to 120 months.
No, you can’t.
Minimum amount is EGP 5,000 and maximum amount is up to EGP 1,000,000 including all secured facilities.
Yes, there are administrative fees for the secured loan, yet they are very discounted, for more info about the administrative fees, please click here.
Up to 90% of CDs principal amount for matching, extended, and remaining durations options.
No, you can only settle it from current account in EGP to help you better increase your saving.
Adults only, youths are not eligible.
Transfers
You will be notified via your authorized email or phone call to open a sub-account in the currency of the transfer so that the transfer can take place.
By default, charges are equally shared by sender and receiver unless the sender requests to be borne by him/her or by the receiver via calling 16607 or sending an e-mail to authorized.email@bebasata.qnb.com.eg .
You will receive an email with an attached copy of transfer confirming that the transfer is done or rejected with the reason of rejection.
Yes, but very reasonable; for more information, please check our website.
You will receive an email with an attached copy of the incoming transfer.
You can transfer within your accounts here, to beneficiaries in here/QNB & to other banks.You can also do transfers in local & foreign currencies based on the bank set limits
Yes you can do the following:
- You can process transfers using bebasata mobile app/online banking through either ACH transfer or IPN transfer type
- You can add QNB bebasata account in your instapay profile defining QNB as one of your accounts by adding your bebasata debit card
- You can receive money to your QNB bebasata account using instapay
We will obtain your confirmation via your authorized email to be sent to authorized.email@bebasata.qnb.com.eg to exchange the incoming transfer to any of the currencies of your available accounts where it will be credited.
It is an informative service where you receive an email with attached copy of the incoming/outgoing transfer transaction to/from your account; also, it informs you with any rejected and returned ACH outgoing transfer along with the reason, if any.
Yes, you can transfer your salary normally to QNB bebasata accounts on individual basis case; however, QNB bebasata value proposition does not include any payroll offers.
Login bebasata app>> main menu>>select be fast>> select the be fast record>> press Delete record>> press OK.
Bill payment & disputes
You can submit a dispute request to QNB bebasata through authorized.email@bebasata.qnb.com.eg with attaching all supporting documents and info.
Current account.
You can pay your bills, utilities, bookings, donations, etc… though the bill payment service in the bebasata mobile app using Fawry Network.
Yes, but very reasonable; for more information, please check our website.
Login bebasata app>> main menu>>select be fast>> select the be fast record>> press Delete record>> press OK.
Apple Pay is a digital wallet that allows you to securely store and use your QNB bebasata cards via your Apple device for contactless, in-store, online, and in-app payments.
- Apple Watch – Minimum watch OS version 10.5
- iPhone – Minimum iOS Version: 17.7
- Mac – Minimum macOS Version: 14.5
- iPad – Minimum Version 17.7
All QNB bebasata Customers that have active eligible QNB bebasata Cards.
Through Apple Wallet:
- Click (+) on Apple Wallet App to add your preferred QNB bebasata card.
- You can either scan your card using your camera or choose to enter card details manually.
- Enter the required fields to complete the registration process and read and accept the Terms & Conditions
- A confirmation SMS containing OTP will be sent to your registered mobile number.
- Once OTP is entered, the card will be added to the wallet and a SMS message will be sent to confirm that your card was added successfully.
You also can add your card from “Apps on your iPhone” section that’s available on the wallet.
Through QNB bebasata Mobile App:
- Log in to QNB bebasata Mobile App on your Apple device and press on Apple pay Icon in the home page.
- Select the card and press on “add to Apple wallet” button under the card.
- You will be redirected to Apple Wallet to follow the registration steps.
- Once the card digitization steps are completed, a confirmation message will be displayed on the screen, and you will receive an SMS.
No, QNB bebasata does not charge additional fees for Apple Pay transactions.
Yes. Apple Pay uses tokenization, Face ID, Touch ID, or your device passcode for secure authentication, ensuring your card details aren't shared or stored on your device or Apple’s servers.
No, Internet is required only for adding your card or viewing transaction history, not for making payments.
Apple Pay is available for making payments in stores that accept contactless payments, within apps, and on websites that accept it,
both locally and internationally.
It's a convenient and secure way to make transactions without needing to carry physical cards.
• iPhone: Double-click the side button, authenticate via Face ID/Touch ID or passcode, hold device near the terminal.
• Apple Watch: Double-click the side button and hold near the terminal.
Select Apple Pay during checkout, then authenticate using Face ID, Touch ID, or your passcode.
No, Apple Pay transactions adhere to the same daily limits as your physical QNB bebasata cards.
You don’t need to enter your card PIN when using Apple Pay in purchase transactions, but you will be requested to enter your PIN when withdrawing from contactless ATM through Apple Pay.
You can add all you QNB bebasata cards.
But the maximum limit of cards on one device depends on the device’s secure element capacity.
You can use multiple Apple devices to add the same card.
Your QNB bebasata cards must be added individually to each device through Apple Wallet or Mobile Banking.
Each device will have its own secure token and can be used independently.
Yes, your physical card remains active and usable as usual.
After you make a payment with Apple Pay, you’ll see “Done” message and a checkmark on your device screen, confirming the transaction was successful.
You may also receive a push notification from Apple Wallet or your QNB bebasata Mobile application app with the transaction details.
Additionally, the transaction will appear in your Wallet app and your QNB bebasata account statement.
You can view your Apple Pay transaction history by opening the Wallet app on your iPhone, select the card and then the last 10 transactions will be displayed directly under the card.
For a full and detailed statement, you can use the QNB bebasata Mobile application App or Internet Banking.
Check for sufficient balance or connectivity issues.
For persistent problems, contact QNB bebasata customer support 16607.
Refunds follow standard merchant processes.
Refunds will appear in your account just like regular card transactions.
In Apple Wallet, you can select your preferred card and set it as the default. To change default card: press and hold the card, then drag it to the front and release.
To remove the card, select the card and choose “Remove Card.”
No, your card will not automatically transfer to your new Apple device.
For security reasons, Apple Pay does not store card details in iCloud or transfer them between devices.
You will need to add your QNB bebasata card again on the new device through the Apple Wallet app or via QNB bebasata Mobile application and delete it from your old mobile device .
If your device is lost or stolen:
- Use “Find my iPhone” to lock your device remotely.
This will also prevent access to Apple Pay on your device. - For added security, contact QNB bebasata customer service on 16607 to request deletion or suspension of your tokenized cards from the lost device.
- This ensures no one can make payments using Apple Pay on your missing device, and your accounts remain protected.
Call QNB bebasata Customer Support at 16607, or you can reach us through WhatsApp.
We will send you an email informing you with the dispute status and in case of being accepted; the refund will take place in your current account.
You can dispute any transaction related to your Debit Card, credit card, or ATM deposits, right through the mobile app. Press on Settings à Dispute management for more info, please contact Customer Experience Management Team 16607.
Youth
Yes, you will get an e-statement for all your accounts separately on your mobile app and internet banking.
Yes of course, while respecting the bank set limits.
When s/he turns 21 years.
You can have a secured credit card only
No, you can’t as it’s available for adults only.
No, it’s available for adults only.
Yes, you will receive email notification service for ACH transfer in EGP.
No, it’s available for adults only.
Yes, the maximum limit that you can have in all your depository products is EGP 300,000. If you exceed this limit, there would be stoppage on your deposits till we obtain your guardian’s signature on the deposit’s declaration form. For more info, please call us at 16607.
It will be credited to your EGP account in equivalent, after receiving your approval through your authorized email.
The youth clients can open account in EGP only.
Starting 15-year-old
No, they are a bit lower. For more information, please visit our website.
Yes, you can.
Updating my info
- You can request to update any of the following data through Authorized.EMAIL@bebasata.qnb.com.eg or calling 16607, and our team will study your request and contact you shortly.
Employment type
Occupation (copy of HR letter shall be attached)
Field of activity
Employer name (copy of HR letter shall be attached)
Employer Business Address (details, city and district)
Average monthly income
Education level
Home address
- You can update any of the following contact information directly through the mobile app/online banking (authentication using your username and password + token:
Work / home phone number
e-mail address
Work Address
Security
You should follow these steps through the app:
- Choose login then click on forget my password/username.
- Enter the register mobile number.
- Enter the last 4 digital your debit Be card.
- Enter your Be card password (that you use in ATM)
- Enter security code as mentioned in the box.
- Choose to continue.
- You will receive OTP through SMS
- Automatic there will be a username kept.
- Enter new password contains of big letter, small letter, number, and special characters between (8-16)
- Enter new password then choose mobile banking login and enter the password again.
- Wait for the new OTP through SMS
- Create a new username contains of big letter, small letter, number.
- Create a new password contains of big letter, small letter, number, and special characters between (8-16)
You should not give the username, password, card numbers, client ID to anyone to access your account under any circumstances.
- Choose passwords with the following characteristics:
- Not less than 8 characters in length.
- Away from any personal identification or could easily be guessed (i.e. birthday, telephone number, …).
- Avoid using simple passwords and must comply with complexity.
- requirements (i.e. Contains letters, numbers and special characters, in caps and small).
- Never use password as or close to system user name.
- Change passwords periodically (at least every 90 days and preferable less).
- Do not use passwords that are used previously for 4 times before.
- Do not write down or disclose your password anywhere or to anybody whatever the reason.
- Change your password immediately whenever you suspect any suspicious action on internet banking.
- Never place cards password close your cards.
You should call Customer Experience Management Team 16607 immediately for further investigation & support.
OTP stands for a “one-time password” which you will receive via SMS. You will use it to verify your identification and protect your transactions against any risks.
Be-Token
You can make transfers between your bebasata accounts and settle your bebasata credit card without be-token, any other transfers/payments require be-token.