# Banque Misr (BM Online + onebank)

> Source: https://docs.barcoder.ai/docs/wallets/banque-misr
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Banque Misr — official](https://www.banquemisr.com/)

## Overview

**Banque Misr (BM Online + onebank)** is **Egyptian state-owned bank since 1920** + **BM Online mobile banking + corporate banking** + **InstaPay (IPN) primary participant** + **Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** <sup>[1][1], [2][2], [Egypt report](https://docs.barcoder.ai/docs/payments/EG)</sup>. **2025 baseline**: Banque Misr BM Online mobile banking + corporate banking with InstaPay (IPN) primary participant + Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026; **BM Online full integration into Egypt's national payment networks + InstaPay (IPN) primary participant** distinctive Egyptian state-owned bank digital integration; **BM Online registration steps for Egyptians living abroad** distinctive Egyptian state-owned bank diaspora banking.

**Distinctive Banque Misr positioning**:
- **Egyptian state-owned bank since 1920** (Banque Misr; Talaat Harb Pasha founding heritage)
- **BM Online mobile banking + corporate banking** distinctive Egyptian state-owned bank digital channels
- **InstaPay (IPN) primary participant** distinctive Egyptian state-owned bank InstaPay network membership
- **Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** distinctive Egyptian digital banking pioneer
- **BM Online full integration into Egypt's national payment networks** distinctive Egyptian state-owned bank digital integration
- **BM Online registration steps for Egyptians living abroad** distinctive Egyptian state-owned bank diaspora banking
- **1920 Banque Misr founding by Talaat Harb Pasha** distinctive Egyptian banking heritage (post-Egyptian banking sovereignty movement)

## History

**1920 — Banque Misr founded by Talaat Harb Pasha** as Egyptian state-owned commercial bank (post-Egyptian banking sovereignty movement).

**2018 — BM Online mobile banking app launches** as Egyptian mobile-first banking.

**Mar 2022 — InstaPay (IPN) Egyptian instant payment network launch + Banque Misr InstaPay (IPN) primary participant** distinctive Egyptian state-owned bank InstaPay network membership.

**Sep 2023 — BM Online Business mobile banking application for corporate customers launch** <sup>[3][3]</sup>.

**Aug 2025 — Misr Digital Innovation subsidiary receives CBE approval to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** <sup>[2][2]</sup>.

## Ownership & operator

**Operating entity**: **Banque Misr** (Egyptian state-owned bank since 1920; Misr Digital Innovation subsidiary).

**Major shareholders**: **Egyptian government majority controlling (Egyptian Ministry of Finance + Central Bank of Egypt)**.

**Regulator**: **CBE (Central Bank of Egypt)**.

## Technical integration

BM Online mobile banking app (iOS + Android) + BM Online Business mobile banking app + banquemisr.com online + Banque Misr branch network Egypt + UAE + France + Germany + Russia + China + Lebanon + Bahrain + Italy + Banque Misr Visa + Mastercard + Meeza cards; InstaPay (IPN) + Meeza; **BM Online full integration into Egypt's national payment networks + InstaPay (IPN) primary participant (real-time fund transfers to any bank account or digital wallet in Egypt using only a mobile number)** distinctive Egyptian state-owned bank digital integration + **Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** distinctive Egyptian digital banking pioneer.

## Users & growth

Banque Misr BM Online mobile banking + corporate banking with InstaPay (IPN) primary participant + Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026.

## Use cases

Egyptian + international (UAE + France + Germany + Russia + China + Lebanon + Bahrain + Italy) retail + private + SME + commercial + corporate + diaspora banking via BM Online mobile + BM Online Business mobile + banquemisr.com online + Banque Misr branch network + Visa/Mastercard/Meeza cards; InstaPay (IPN) + Meeza; **BM Online full integration into Egypt's national payment networks + InstaPay (IPN) primary participant** distinctive Egyptian state-owned bank digital integration + **Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** distinctive Egyptian digital banking pioneer.

## Implementations & partners

**Operator**: Banque Misr (Egyptian state-owned bank since 1920; Misr Digital Innovation subsidiary); Egyptian government majority controlling (Egyptian Ministry of Finance + Central Bank of Egypt).

**Misr Digital Innovation subsidiary partnership**: **Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** distinctive Egyptian digital banking pioneer.

**Major Egyptian banking competitors**: [National Bank of Egypt (NBE)](https://docs.barcoder.ai/docs/wallets/nbe-egypt) (National Bank of Egypt; Egypt's largest state-owned bank by assets since 1898) + [CIB (Commercial International Bank Egypt)](https://docs.barcoder.ai/docs/wallets/cib-egypt) (Commercial International Bank Egypt; EGX: COMI; LSE: CBKD; Egypt's largest private bank by market cap) + [QNB AlAhli](https://docs.barcoder.ai/docs/wallets/qnb-alahli) (QNB Alahli Egypt; QNB Group Qatari parent ~99% controlling; Egyptian commercial bank) + [HSBC Egypt](https://docs.barcoder.ai/docs/wallets/hsbc-egypt) (HSBC Egypt; HSBC UK parent subsidiary) + [Banque du Caire (Egypt)](https://docs.barcoder.ai/docs/wallets/banque-du-caire) (Banque du Caire; Egyptian state-owned bank since 1952) + Ahli United Bank Egypt (Ahli United Bank Egypt; AUB Bahrain parent subsidiary) + [ADIB Egypt](https://docs.barcoder.ai/docs/wallets/adib-egypt) (Abu Dhabi Islamic Bank Egypt; ADIB UAE parent subsidiary) + [Fawry](https://docs.barcoder.ai/docs/wallets/fawry) (Egyptian e-payments + financial services; EGX: FWRY; ~50M+ users + 250k+ merchant network).

**Regulator**: CBE.

## Fun facts

- **Egyptian state-owned bank since 1920** (Banque Misr; Talaat Harb Pasha founding heritage).
- **BM Online mobile banking + corporate banking** distinctive Egyptian state-owned bank digital channels.
- **InstaPay (IPN) primary participant** distinctive Egyptian state-owned bank InstaPay network membership.
- **Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** distinctive Egyptian digital banking pioneer.
- **BM Online full integration into Egypt's national payment networks** distinctive Egyptian state-owned bank digital integration.
- **BM Online registration steps for Egyptians living abroad** distinctive Egyptian state-owned bank diaspora banking.
- **1920 Banque Misr founding by Talaat Harb Pasha** distinctive Egyptian banking heritage (post-Egyptian banking sovereignty movement).

## Comparison

| Feature | Banque Misr | [National Bank of Egypt (NBE)](https://docs.barcoder.ai/docs/wallets/nbe-egypt) (National Bank of Egypt rival; Egypt's largest state-owned bank by assets since 1898) | [CIB (Commercial International Bank Egypt)](https://docs.barcoder.ai/docs/wallets/cib-egypt) (Commercial International Bank Egypt rival; EGX: COMI; LSE: CBKD; Egypt's largest private bank by market cap) | [QNB AlAhli](https://docs.barcoder.ai/docs/wallets/qnb-alahli) (QNB Alahli Egypt rival; QNB Group Qatari parent ~99% controlling) | [Fawry](https://docs.barcoder.ai/docs/wallets/fawry) (Egyptian e-payments + financial services rival; EGX: FWRY; ~50M+ users) |
|---|---|---|---|---|---|
| Operator | **Banque Misr (Egyptian state-owned bank since 1920; Misr Digital Innovation subsidiary)** | National Bank of Egypt (Egyptian state-owned bank since 1898) | Commercial International Bank Egypt (EGX: COMI; LSE: CBKD; Egypt's largest private bank by market cap) | QNB Alahli (QNB Group Qatari parent ~99% controlling; Egyptian commercial bank) | Fawry for Banking and Payment Technology Services S.A.E. (EGX: FWRY) |
| Type | **Egyptian state-owned bank since 1920 + BM Online mobile banking + corporate banking + InstaPay (IPN) primary participant + Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026 + BM Online full integration into Egypt's national payment networks + BM Online registration steps for Egyptians living abroad** | Egypt's largest state-owned bank by assets since 1898 + NBE Mobile + Al Ahly Net mobile banking | Egypt's largest private bank by market cap + CIB Mobile Banking | QNB Alahli Mobile Banking | Egyptian e-payments + financial services + ~50M+ users + 250k+ merchant network |
| Country | EG + AE + FR + DE + RU + CN + LB + BH + IT | EG | EG | EG + 31 countries (via QNB Group) | EG |
| Distinctive | **1920 Banque Misr founding by Talaat Harb Pasha (post-Egyptian banking sovereignty movement); 2018 BM Online mobile banking app launch; Mar 2022 InstaPay (IPN) Egyptian instant payment network launch + Banque Misr InstaPay (IPN) primary participant; Sep 2023 BM Online Business mobile banking application for corporate customers launch; Aug 2025 Misr Digital Innovation subsidiary receives CBE approval to launch 'onebank' Egypt's first fully digital bank** | 1898 National Bank of Egypt founding (Egypt's oldest commercial bank); Al Ahly Net mobile banking distinctive | 1975 Commercial International Bank Egypt founding (Egypt's largest private bank by market cap); CIB Mobile Banking distinctive | 1978 Al Ahli Bank of Egypt founding; 2013 QNB Group Al Ahli Bank of Egypt acquisition ~99% controlling + renaming QNB Alahli | 2009 Fawry founding; Aug 2 2019 EGX FWRY IPO |

## Status

**Active, Egyptian state-owned bank since 1920 + BM Online mobile banking + corporate banking + InstaPay (IPN) primary participant + Misr Digital Innovation subsidiary receives CBE approval Aug 2025 to launch 'onebank' Egypt's first fully digital bank expected to begin operations in 2026** <sup>[1][1], [2][2], [3][3]</sup>:
- **Banque Misr (Egyptian state-owned bank since 1920; Misr Digital Innovation subsidiary)** since 1920 Banque Misr founding by Talaat Harb Pasha + 2018 BM Online mobile banking app launch + Mar 2022 InstaPay (IPN) Egyptian instant payment network launch + Banque Misr InstaPay (IPN) primary participant + Sep 2023 BM Online Business mobile banking application for corporate customers launch + Aug 2025 Misr Digital Innovation subsidiary receives CBE approval to launch 'onebank' Egypt's first fully digital bank.
- **InstaPay (IPN) primary participant + BM Online full integration into Egypt's national payment networks**.
- **Misr Digital Innovation subsidiary 'onebank' Egypt's first fully digital bank expected to begin operations in 2026**.
- **CBE regulated**.

## Sources

[1]: https://www.banquemisr.com/en/Pages/BM-Online---Internet-and-Mobile-banking "Banquemisr - Internet and Mobile Banking - BM Online — Banque Misr"
[2]: https://banksegypt.com/banque-misr "Banque Misr Review (2025): Rates, Fees & Digital Services — banksegypt.com"
[3]: https://www.banquemisr.com/en/Home/ABOUT-US/News/launch-BM-online-business "Banquemisr - Banque Misr launches a new mobile banking application for corporate customers — Banque Misr"
[eg-cro]: https://docs.barcoder.ai/docs/payments/EG

- [1] [Banquemisr - Internet and Mobile Banking - BM Online — Banque Misr][1]
- [2] [Banque Misr Review (2025): Rates, Fees & Digital Services — banksegypt.com][2]
- [3] [Banquemisr - Banque Misr launches a new mobile banking application for corporate customers — Banque Misr][3]
- <sup>[Egypt report](https://docs.barcoder.ai/docs/payments/EG)</sup> In-corpus: `reports/countries/EG-egypt.md`

## Source

Biography extracted from [banque-misr.md](https://docs.barcoder.ai/source/wallets/banque-misr). See `matrix.md` for standards-support matrix if present.