# QNB Egypt (formerly QNB Al Ahli) — QNB Egypt Mobile Banking and QNB Egypt E-Wallet

> Source: https://docs.barcoder.ai/docs/wallets/qnb-egypt
> research date 2026-10-21 · extracted at 2026-10-22
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [QNB E-Wallet Service (Wayback copy)](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html)
- [QNB Egypt Apple Pay (Wayback copy)](https://web.archive.org/web/20260310012048/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enapplepay.html)
- [QNB Egypt Mobile Banking — App Store](https://apps.apple.com/eg/app/qnb-egypt-mobile-banking/id1090888677)

## Overview

**QNB Egypt** is the Egyptian subsidiary of Qatar's QNB Group. It was called Qatar National Bank Al Ahli (QNB Al Ahli) until June 2024, when it took the group's name [[1]](https://english.mubasher.info/news/4305811/QNB-Alahli-Egypt-rebrands-to-QNB/). Its customers pay through three apps:

- **QNB Egypt Mobile Banking**, the main banking app;
- **QNB Egypt E-Wallet**, a mobile wallet on the national Meeza Digital network that pays shops by [Meeza QR](https://docs.barcoder.ai/docs/standards/meeza-qr) code [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html);
- **QNB bebasata**, a digital account opened from the phone.

The bank was one of the first on Egypt's [InstaPay](https://docs.barcoder.ai/docs/standards/instapay) network in March 2022 [[12]](https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/). Its cards have worked in [Apple Pay](https://docs.barcoder.ai/docs/wallets/apple-pay) since October 2025 [[9]](https://www.bankygate.com/65847). Forbes Middle East credits it with over 1.88 million active customers and 235 branches [[3]](https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/).

This is a bank-app biography. The group's Qatari products are covered in [QNB](https://docs.barcoder.ai/docs/wallets/qnb-group).

## History

- **April 1978**: the bank is established. Forbes Middle East dates QNB Egypt from April 1978 [[3]](https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/). The bank QNB bought in 2013 was **National Société Générale Bank (NSGB)**, the Egyptian subsidiary of Société Générale [[2]](https://en.amwalalghad.com/?p=17144).
- **March 2013**: QNB buys Société Générale's 77.17% stake for $2.56 billion. A mandatory tender offer then adds 19.95% from other shareholders, at EGP 38.65 a share or EGP 17.142 billion in total. That takes QNB to 97.12% of what Amwal Al Ghad called "the second largest private bank in Egypt", with 160 branches and more than 4,500 employees [[2]](https://en.amwalalghad.com/?p=17144). The bank then trades as QNB Al Ahli.
- **March 2017**: the **QNB Egypt Mobile Banking** app is first released on the App Store (release date 8 March 2017) [[13]](https://apps.apple.com/eg/app/qnb-egypt-mobile-banking/id1090888677).
- **September 2017**: the **E-Wallet** app follows (release date 20 September 2017) [[14]](https://apps.apple.com/eg/app/qnb-egypt-e-wallet/id1276086624).
- **March 2022**: the Central Bank of Egypt launches InstaPay and the Instant Payment Network, with QNB Al Ahli among the banks supporting it [[12]](https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/).
- **February 2023**: **QNB bebasata**, a phone-opened account app, goes live on the App Store (release date 4 February 2023) [[15]](https://apps.apple.com/eg/app/qnb-bebasata/id6444786753).
- **24 June 2024**: QNB Al Ahli changes its name to QNB, "aligning its local brand with the parent group" [[1]](https://english.mubasher.info/news/4305811/QNB-Alahli-Egypt-rebrands-to-QNB/).
- **7 October 2025**: QNB Group says the Central Bank of Egypt has approved a licence for **ezbank**, "a digital-first banking entity" [[11]](https://qna.org.qa/en/News-Area/News/2025-10/7/qnb-group-receives-central-bank-of-egypt-license-approval-for-a-new-digital-bank).
- **28 October 2025**: QNB Egypt launches Apple Pay [[9]](https://www.bankygate.com/65847). Bankygate calls it the fourth bank in Egypt to do so, after the National Bank of Egypt, Banque Misr and CIB [[10]](https://www.bankygate.com/65852).

## Ownership & operator

- **Operating entity**: QNB Egypt, listed on the Egyptian Exchange under the ticker QNBE [[1]](https://english.mubasher.info/news/4305811/QNB-Alahli-Egypt-rebrands-to-QNB/).
- **Parent**: QNB Group held 94.97% of the bank as of March 2025, Forbes Middle East reports [[3]](https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/). At the 2013 acquisition QNB itself was 50% owned by the Qatar Investment Authority [[2]](https://en.amwalalghad.com/?p=17144).
- **Subsidiaries**: QNB Factoring, QNB Leasing, QNB Life Insurance and QNB Asset Management Egypt [[3]](https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/).
- **Management**: Mohamed Bedeir is CEO [[3]](https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/). Mubasher's 2024 report spells the name Badir [[1]](https://english.mubasher.info/news/4305811/QNB-Alahli-Egypt-rebrands-to-QNB/).
- **Regulator**: the Central Bank of Egypt, which licensed the group's separate ezbank in 2025 [[11]](https://qna.org.qa/en/News-Area/News/2025-10/7/qnb-group-receives-central-bank-of-egypt-license-approval-for-a-new-digital-bank).

qnb.com.eg blocked direct requests during this research, so the bank's own pages are cited from Wayback Machine copies.

## Technical integration

**QNB Egypt Mobile Banking** uses the same username and password as internet banking. Its store listing covers [[13]](https://apps.apple.com/eg/app/qnb-egypt-mobile-banking/id1090888677) [[16]](https://play.google.com/store/apps/details?id=eg.com.qnb.eazymobile):

- accounts and IBAN;
- card controls and instalments;
- transfers "inside and outside Egypt";
- deposits and funds;
- bill payments through Fawry across telecoms, utilities, insurance, car licensing, education and more.

**Instant payments ([InstaPay](https://docs.barcoder.ai/docs/standards/instapay)), full.** QNB Al Ahli was among the banks supporting InstaPay at its March 2022 launch [[12]](https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/). The bebasata app also offers instant transfers "to banks in Egypt using IPN" [[20]](https://play.google.com/store/apps/details?id=com.qnbalahli.bebasata).

**QNB Egypt E-Wallet ([Meeza QR](https://docs.barcoder.ai/docs/standards/meeza-qr)), full.** The bank describes a wallet that is [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html):

- **loaded** from a QNB debit card, at retailers or at any ATM showing the Meeza Digital logo;
- used to **pay** bills, top up phones and buy from "merchants displaying QR with Meeza digital logo";
- used to **send** money to any other mobile-wallet holder in Egypt, previewing the payee's name first;
- **cashed out** at retailers or Meeza Digital ATMs.

One phone number can hold only one wallet on Meeza Digital. A customer whose number is already linked to another wallet must unregister it first, at `managewallet.meeza.eg` [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html). The QR payload itself is not published (see [Meeza QR](https://docs.barcoder.ai/docs/payments/EG/meeza-qr)).

**Merchant side.** QNB's **QR Package** for businesses includes **PAYnGO**, which "enables you to accept payments from any e-wallet or via the VISA SCAN TO PAY application without cards and without POS machines" [[8]](https://web.archive.org/web/20250708211733/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enqrpackage.html). A **QNB Egypt mVisa** app for paying by scanning a merchant's QR code was released on the App Store on 12 December 2024 [[17]](https://apps.apple.com/eg/app/qnb-egypt-mvisa/id6523428733).

**Contactless.** QNB Visa and Mastercard cards can be added to Apple Wallet from the mobile-banking app or from Wallet itself, with an SMS one-time password [[7]](https://web.archive.org/web/20260310012048/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enapplepay.html).

## Users & growth

- **Customers**: "over 1.88 million active customers", with 235 branches, 940 ATMs and 39,952 points of sale, in Forbes Middle East's June 2025 profile. The profile's financial figures are for 2024 [[3]](https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/).
- **H1 2025 results**: consolidated net profit EGP 15.1 billion (+10% year on year) and standalone EGP 14.8 billion [[5]](https://www.gulf-times.com/article/707984/business/qnb-egypt-results-support-groups-strong-financial-position). At 30 June 2025, customer deposits were EGP 700 billion, loans EGP 407 billion and total assets EGP 844 billion [[4]](https://web.archive.org/web/20250812192051/https://www.qnb.com.eg/sites/qnb/qnbegypt/en/enfinancialresultq22025.html).
- **2024**: net profit rose 62.7% and assets reached $16.1 billion, up 30.4% on 2023 [[3]](https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/).
- **App ratings (read 21 Oct 2026)**:

| App | App Store (Egypt) | Google Play |
|---|---|---|
| QNB Egypt Mobile Banking | 4.6 from 45,388 ratings [[13]](https://apps.apple.com/eg/app/qnb-egypt-mobile-banking/id1090888677) | 4.3 from 67,644 ratings, 1M+ downloads [[16]](https://play.google.com/store/apps/details?id=eg.com.qnb.eazymobile) |
| QNB Egypt E-Wallet | 4.1 from 580 ratings [[14]](https://apps.apple.com/eg/app/qnb-egypt-e-wallet/id1276086624) | 3.4 from 6,349 ratings, 500K+ downloads [[19]](https://play.google.com/store/apps/details?id=com.emeint.android.mwallet.qnb) |
| QNB bebasata | 4.4 from 1,280 ratings [[15]](https://apps.apple.com/eg/app/qnb-bebasata/id6444786753) | 2.5 from 1,888 ratings, 500K+ downloads [[20]](https://play.google.com/store/apps/details?id=com.qnbalahli.bebasata) |

We found no published count of E-Wallet users or InstaPay transactions for QNB Egypt.

## Use cases

- **Paying shops by QR** from the E-Wallet at merchants showing the Meeza Digital logo [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html).
- **Wallet-to-wallet transfers** to any mobile-wallet holder in Egypt, and cash in or out at ATMs and retailers [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html).
- **Instant bank transfers** through IPN and InstaPay [[20]](https://play.google.com/store/apps/details?id=com.qnbalahli.bebasata) [[12]](https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/).
- **Bills and government fees** through the Fawry payments menu in the banking app [[16]](https://play.google.com/store/apps/details?id=eg.com.qnb.eazymobile).
- **Tap to pay** in shops, in apps and online with Apple Pay [[7]](https://web.archive.org/web/20260310012048/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enapplepay.html).
- **Merchant collection** without a card terminal through PAYnGO [[8]](https://web.archive.org/web/20250708211733/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enqrpackage.html).

## Implementations & partners

- **Meeza Digital**: the national wallet network the E-Wallet runs on, for QR payments, transfers to other wallets and ATM cash-out [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html).
- **Fawry**: bill payments in the banking app [[16]](https://play.google.com/store/apps/details?id=eg.com.qnb.eazymobile). Fawry agents are also where E-Wallet holders cash in and out, and the app shows them on a map. Customers can also apply for the wallet at Fawry Plus branches [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html). See [Fawry](https://docs.barcoder.ai/docs/wallets/fawry).
- **Card networks**: Visa and Mastercard cards are enabled for Apple Pay [[7]](https://web.archive.org/web/20260310012048/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enapplepay.html). Visa Scan to Pay is used on the merchant side [[8]](https://web.archive.org/web/20250708211733/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enqrpackage.html).
- **Apple**: Apple Pay since 28 October 2025 [[9]](https://www.bankygate.com/65847).

## Fun facts

- When QNB bought NSGB in 2013, Egypt's tax authorities said individual shareholders and funds that sold into the tender would pay 10% tax on their gains. Société Générale was exempt under the Egypt–France double-taxation agreement [[2]](https://en.amwalalghad.com/?p=17144).

## Comparison

| | QNB Egypt | [National Bank of Egypt](https://docs.barcoder.ai/docs/wallets/nbe-egypt) | [CIB](https://docs.barcoder.ai/docs/wallets/cib-egypt) |
|---|---|---|---|
| On InstaPay at the March 2022 launch | yes [[12]](https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/) | yes [[12]](https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/) | yes [[12]](https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/) |
| Apple Pay | from 28 Oct 2025 [[9]](https://www.bankygate.com/65847) | at Egypt's launch, 10 Dec 2024 [[18]](https://www.businesstodayegypt.com/amp/1/5671/Apple-Pay-initially-launches-in-partnership-with-3-Egyptian-banks) | at Egypt's launch, 10 Dec 2024 [[18]](https://www.businesstodayegypt.com/amp/1/5671/Apple-Pay-initially-launches-in-partnership-with-3-Egyptian-banks) |

All three banks were on InstaPay from the start, so the difference for a card user is timing on Apple Pay: QNB Egypt arrived about ten and a half months after the three launch banks, as the fourth bank in the market [[10]](https://www.bankygate.com/65852). For QR payments at shops, QNB's route is its own Meeza Digital E-Wallet [[6]](https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html). For a smaller foreign-owned bank with a phone-first account, see [Mashreq Egypt](https://docs.barcoder.ai/docs/wallets/mashreq-egypt).

## Status

**Active.** The Mobile Banking app was updated on 15 Oct 2026 on the App Store and on 7 Oct 2026 on Google Play [[13]](https://apps.apple.com/eg/app/qnb-egypt-mobile-banking/id1090888677) [[16]](https://play.google.com/store/apps/details?id=eg.com.qnb.eazymobile). The E-Wallet was updated on Google Play on 5 Sep 2026 [[19]](https://play.google.com/store/apps/details?id=com.emeint.android.mwallet.qnb). The group's licensed ezbank had not been reported as open in the sources read [[11]](https://qna.org.qa/en/News-Area/News/2025-10/7/qnb-group-receives-central-bank-of-egypt-license-approval-for-a-new-digital-bank).

See also the [(EG report)](https://docs.barcoder.ai/docs/payments/EG).

## Sources

[1]: https://english.mubasher.info/news/4305811/QNB-Alahli-Egypt-rebrands-to-QNB/ "QNB Alahli Egypt rebrands to QNB — Mubasher, 24 Jun 2024"
[2]: https://en.amwalalghad.com/?p=17144 "QNB Acquires 97.12% Of NSGB With Additional 19.95% Stake Purchase — Amwal Al Ghad, 30 Mar 2013"
[3]: https://www.forbesmiddleeast.com/lists/egypts-top-50-listed-companies-2025/qnb-egypt/ "QNB Egypt — Egypt's Top 50 Listed Companies 2025 — Forbes Middle East, 17 Jun 2025"
[4]: https://web.archive.org/web/20250812192051/https://www.qnb.com.eg/sites/qnb/qnbegypt/en/enfinancialresultq22025.html "Financial Results for 2Q25 (Wayback copy, captured 12 Aug 2025; page says posted 8 Jul 2025) — QNB Egypt, read 21 Oct 2026"
[5]: https://www.gulf-times.com/article/707984/business/qnb-egypt-results-support-groups-strong-financial-position "QNB Egypt results support group's strong financial position — Gulf Times, 28 Jul 2025"
[6]: https://web.archive.org/web/20250206190117/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enalahliewallet.html "E-Wallet Service (Wayback copy, captured 6 Feb 2025) — QNB Egypt, read 21 Oct 2026"
[7]: https://web.archive.org/web/20260310012048/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enapplepay.html "Apple Pay (Wayback copy, captured 10 Mar 2026) — QNB Egypt, read 21 Oct 2026"
[8]: https://web.archive.org/web/20250708211733/https://www.qnb.com.eg/sites/qnb/qnbegypt/page/en/enqrpackage.html "QR Package (Wayback copy, captured 8 Jul 2025) — QNB Egypt, read 21 Oct 2026"
[9]: https://www.bankygate.com/65847 "بنك QNB مصر يقدم لعملائه خدمة Apple Pay — Bankygate, 28 Oct 2025"
[10]: https://www.bankygate.com/65852 "بعد انضمام QNB مصر .. 4 بنوك تُتيح خدمة Apple Pay لعملائها في مصر — Bankygate, 28 Oct 2025"
[11]: https://qna.org.qa/en/News-Area/News/2025-10/7/qnb-group-receives-central-bank-of-egypt-license-approval-for-a-new-digital-bank "QNB Group Receives Central Bank of Egypt License Approval for a New Digital Bank — Qatar News Agency, 7 Oct 2025"
[12]: https://egyptianstreets.com/2022/03/27/egyptians-can-now-transfer-money-instantly-with-the-central-bank-of-egypts-new-app/ "Egyptians Can Now Transfer Money Instantly With the Central Bank of Egypt's New App — Egyptian Streets, 27 Mar 2022"
[13]: https://apps.apple.com/eg/app/qnb-egypt-mobile-banking/id1090888677 "QNB Egypt Mobile Banking (App Store; release date 8 Mar 2017 from Apple's lookup API) — Apple, read 21 Oct 2026"
[14]: https://apps.apple.com/eg/app/qnb-egypt-e-wallet/id1276086624 "QNB Egypt E-Wallet (App Store; release date 20 Sep 2017 from Apple's lookup API) — Apple, read 21 Oct 2026"
[15]: https://apps.apple.com/eg/app/qnb-bebasata/id6444786753 "QNB bebasata (App Store; release date 4 Feb 2023 from Apple's lookup API) — Apple, read 21 Oct 2026"
[16]: https://play.google.com/store/apps/details?id=eg.com.qnb.eazymobile "QNB Egypt Mobile Banking (Google Play) — Google, read 21 Oct 2026"
[17]: https://apps.apple.com/eg/app/qnb-egypt-mvisa/id6523428733 "QNB Egypt mVisa (App Store; release date 12 Dec 2024 from Apple's lookup API) — Apple, read 21 Oct 2026"
[18]: https://www.businesstodayegypt.com/amp/1/5671/Apple-Pay-initially-launches-in-partnership-with-3-Egyptian-banks "Apple Pay initially launches in partnership with 3 Egyptian banks — Business Today Egypt, 10 Dec 2024"
[19]: https://play.google.com/store/apps/details?id=com.emeint.android.mwallet.qnb "QNB Egypt E-Wallet (Google Play) — Google, read 21 Oct 2026"
[20]: https://play.google.com/store/apps/details?id=com.qnbalahli.bebasata "QNB bebasata (Google Play) — Google, read 21 Oct 2026"

## Source

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