E Golden Saving Account

Individuals E-Golden Saving Account
Terms and Conditions ‫اﻟﺷروط واﻷﺣﻛﺎم‬

E-saving account is opened through the Mobile App Only. .‫ﯾﺗم ﻓﺗﺢ اﻟﺣﺳﺎب ﻣن ﺧﻼل ﺗطﺑﯾق اﻟﮭﺎﺗف اﻟﻣﺣﻣول ﻓﻘط‬
Minimum balance amount to be eligible for calculated interest: ‫ ﺟﻧﯾﮫ‬500,000 :‫اﻟﺣد اﻷدﻧﻰ ﻟرﺻﯾد اﻟﺣﺳﺎب ﻻﺣﺗﺳﺎب اﻟﻔﺎﺋدة‬
EGP 500,000. .‫ﻣﺻري‬
The interest is calculated based on the lowest amount in the
account starting from the opening balance on the first day of ‫ﯾﺗم اﺣﺗﺳﺎب اﻟﻌﺎﺋد ﺑﻧﺎًء ﻋﻠﻰ أﻗل ﻣﺑﻠﻎ ﻣوﺟود ﻓﻲ اﻟﺣﺳﺎب ﺑدءا ﻣن‬
‫اﻟرﺻﯾد اﻻﻓﺗﺗﺎﺣﻲ ﻟﻠﺣﺳﺎب اول ﯾوم ﺑﺎﻟﺷﮭر ﺑﺷرط ان ﻻ ﯾﻘل اﻟﻣﺑﻠﻎ‬
the month, provided that the amount is not less than 500,000
‫ ﻣن‬1 ‫ ﺟﻧﯾﺔ ﻣﺻري ﻋﻠﻰ ﻣدار اﻟﺷﮭر ﻣن ﺗﺎرﯾﺦ ﯾوم‬500,000 ‫ﻋن‬
EGP throughout the month from the 1st day of each month until .‫ﻛل ﺷﮭر ﺣﺗﻰ ﻧﮭﺎﯾﺔ اﻟﺷﮭر‬
the end of month.
Account is for individual customers and in Egyptian Pound only. .‫ﻓﺗﺢ اﻟﺣﺳﺎب ﻟﻠﻌﻣﻼء اﻷﻓراد وﺑﺎﻟﺟﻧﯾﮫ اﻟﻣﺻري ﻓﻘط‬
The customer has the right to operate the below transactions :‫ﯾﺣق ﻟﻠﻌﻣﯾل اﻟﻘﯾﺎم ﺑﺎﻟﻣﻌﺎﻣﻼت اﻻﺗﯾﺔ ﻣن ﺧﻼل اﻟﺣﺳﺎب‬
through the account:
§ Deposits are allowed to the account through the mobile ‫§ ﯾﺳﻣﺢ اﺿﺎﻓﺔ اﯾداﻋﺎت اﻟﻲ اﻟﺣﺳﺎب ﻓﻘط ﻣن ﺧﻼل ﺗطﺑﯾق اﻟﮭﺎﺗف‬
application only and by making internal transfers from ‫اﻟﻣﺣﻣول ﻋن طرﯾق ﺗﻧﻔﯾذ ﺗﺣوﯾﻼت داﺧﻠﯾﺔ اﻟﻲ اﻟﺣﺳﺎب ﻣن‬
other accounts owned by the same customer in AAIB Bank. ‫اﻟﺣﺳﺎﺑﺎت اﻷﺧرى ﻟدى ﻧﻔس اﻟﻌﻣﯾل ﻓﻲ اﻟﺑﻧك اﻟﻌرﺑﻲ اﻷﻓرﯾﻘﻲ‬
.‫اﻟدوﻟﻲ‬
§ It is allowed to perform cash withdrawals and internal ‫§ ﯾﺳﻣﺢ ﺗﻧﻔﯾذ ﻣﻌﺎﻣﻼت اﻟﺳﺣب اﻟﻧﻘدي واﻟﺗﺣوﯾﻼت اﻟداﺧﻠﯾﺔ ﻟﻠﺧﺻم‬
transfers via debit card through ATMs. ‫ﻣن اﻟﺣﺳﺎب ﻣن ﺧﻼل ﺑطﺎﻗﺔ اﻟﺧﺻم اﻟﻣﺑﺎﺷر ﻋن طرﯾق ﻣﺎﻛﯾﻧﺎت‬
.‫اﻟﺻرف اﻵﻟﻲ‬
§ It is allowed to perform internal/ external transfers on the ‫ن‬‫ﻣ‬ ‫م‬‫ﺻ‬ ‫ﺧ‬‫ﻠ‬‫ﻟ‬ ‫ﺔ‬‫ﯾ‬‫ﺟ‬‫ر‬‫ﺎ‬‫ﺧ‬ ‫ﻟ‬‫ا‬‫و‬ ‫ﺔ‬‫ﯾ‬‫ﻠ‬‫ﺧ‬ ‫ا‬‫د‬‫ﻟ‬‫ا‬ ‫ت‬ ‫ﻼ‬ ‫ﯾ‬‫و‬ ‫ﺣ‬ ‫ﺗ‬‫ﻟ‬‫ا‬ ‫ت‬ ‫ﻼ‬ ‫ﻣ‬‫§ ﯾﺳﻣﺢ ﺗﻧﻔﯾذ ﻣﻌﺎ‬
account through the mobile application. .‫ل‬ ‫و‬‫ﻣ‬ ‫ﺣ‬ ‫ﻣ‬‫ﻟ‬‫ا‬ ‫ف‬ ‫ﺗ‬‫ﺎ‬‫ﮭ‬‫ﻟ‬‫ا‬ ‫ق‬‫ﯾ‬‫ﺑ‬ ‫ط‬ ‫ﺗ‬ ‫ق‬‫ﯾ‬‫ر‬ ‫ط‬ ‫اﻟﺣﺳﺎب ﻋن‬
It is prohibited for the customer to carry out the following :‫ﻻ ﯾﺣق ﻟﻠﻌﻣﯾل اﻟﻘﯾﺎم ﺑﺎﻟﻣﻌﺎﻣﻼت اﻻﺗﯾﺔ ﻣن ﺧﻼل اﻟﺣﺳﺎب‬/‫ﯾﺣظر‬
transactions through the account:
§ It is prohibited for the customer to carry out any transaction ‫§ ﯾﺣظر ﺗﻧﻔﯾذ اي ﻣﻌﺎﻣﻼت ﻣن ﺧﻼل ﻓروع اﻟﺑﻧك اﻟﻌرﺑﻲ اﻷﻓرﯾﻘﻲ‬
through the branches in AAIB, for example but not limited ‫ اﻻﯾداﻋﺎت اﻟﻧﻘدﯾﺔ‬:‫ ﻋﻠﻰ ﺳﺑﯾل اﻟﻣﺛﺎل وﻟﯾس اﻟﺣﺻر‬،‫اﻟدوﻟﻲ‬
to cash deposits, cash withdrawals and transfers. .‫واﻟﺳﺣوﺑﺎت اﻟﻧﻘدﯾﺔ واﻟﺗﺣوﯾﻼت‬
§ It’s Prohibited to perform deposits to the account via debit ‫§ ﯾﺣظر ﺗﻧﻔﯾذ اﻻﯾداﻋﺎت ﻹﺿﺎﻓﺔ ﻣﺑﺎﻟﻎ اﻟﻲ اﻟﺣﺳﺎب ﻣن ﺧﻼل‬
cards through the ATMs. .‫ﺑطﺎﻗﺎت اﻟﺧﺻم اﻟﻣﺑﺎﺷر ﻋن طرﯾق ﻣﺎﻛﯾﻧﺎت اﻟﺻراف اﻻﻟﻲ‬
E-saving account doesn’t accept transfers on the 1st day of the
‫ ﻓﻲ اول ﯾوم ﻣن اﻟﺷﮭر‬E saving ‫ﻻ ﯾﺳﻣﺢ ﺑﺎﻟﺗﺣوﯾل ﻟﺣﺳﺎب‬
month.
The interest amount not to be credited to E-Golden Saving
E-Golden Saving Account ‫ﻻ ﯾﺗم اﺿﺎﻓﺔ اﻟﻔﺎﺋدة ﻋﻠﻲ ﺣﺳﺎب‬
Account directly. The interest amount to be credited to the
‫ ﻓﻲ ﺣﺎﻟﮫ ﻋدم وﺟود‬، ‫ﻋﻠﻲ ان ﯾﺗم اﺿﺎﻓﮫ اﻟﻔﺎﺋدة ﻋﻠﻲ اﻟﺣﺳﺎب اﻟﺟﺎري‬
customer current account, if the customer has no current
‫ﺣﺳﺎب ﺟﺎري ﻟدي اﻟﻌﻣﯾل ﻓﺳﯾﺗم اﺿﺎﻓﮫ اﻟﻔﺎﺋدة ﻋﻠﻲ ﺣﺳﺎب اﻟﺗوﻓﯾر‬
account then the interest will be credited to the customer’s ‫ و ﻓﻲ ﺣﺎﻟﮫ ﻋدم وﺟوده ﻓﺳﯾﺗم اﺿﺎﻓﮫ اﻟﻔﺎﺋدة ﻋﻠﻲ ﺣﺳﺎب‬،Saving
Saving account in case the customer doesn’t have then the Golden Saving Plus
interest will be credited to the Golden Saving Plus Account.
Interest rates frequencies (Monthly, quarterly, Semi-annual
،‫ ﻧﺻف ﺳﻧوي‬،‫ رﺑﻊ ﺳﻧوي‬،‫ﯾﺗم ﺻرف اﻟﻌﺎﺋد ﺑﺻورة دورﯾﺔ )ﺷﮭري‬
and annual) as per customer preference through the mobile
‫ ووﻓﻘﺎ‬،‫ﺳﻧوي( وﻓﻘﺎ ﻻﺧﺗﯾﺎر اﻟﻌﻣﯾل ﻣن ﺧﻼل ﺗطﺑﯾق اﻟﮭﺎﺗف اﻟﻣﺣﻣول‬
app. And according to the account opening date and the full
‫ﻟﺗﺎرﯾﺦ ﻓﺗﺢ اﻟﺣﺳﺎب وﺗﺣﺳب اﻟﻣدة ﻛﺎﻣﻠﮫ اﺑﺗداًء ﻣن اول ﯾوم ﻣن اﻟﺷﮭر‬
period is calculated starting from the 1st day of the month that .‫اﻟذي ﯾﻠﻲ اﻟﺷﮭر اﻟذي ﺗم ﻓﯾﮫ اﻹﯾداع‬
follow the month for which the funds were credited.
For New-to-Bank customers, current/saving account should be
‫ﻟﻌﻣﻼء اﻟﺑﻧك اﻟﺟدد ﯾﺟب ﻓﺗﺢ ﺣﺳﺎب ﺟﺎري أو ﺗوﻓﯾر اوﻻ ﺑﺎﻟﺣد اﻷدﻧﻰ‬
opened with the announced minimum amount through AAIB
.‫اﻟﻣﻌﻠن ﻣن ﺧﻼل ﻓروع اﻟﺑﻧك اﻟﻌرﺑﻲ اﻻﻓرﯾﻘﻲ اﻟدوﻟﻲ‬
branches.
Terms and conditions apply which may change at the sole
.‫ﺗطﺑق اﻟﺷروط واﻷﺣﻛﺎم واﻟﺗﻲ ﻗد ﺗﺗﻐﯾر وﻓﻘﺎ ﻟﻣطﻠق ﺗﻘدﯾر اﻟﺑﻧك‬
discretion of the Bank
2‫ ﻣن‬1 ‫ﺻﻔﺣﺔ‬
We hereby agree that AAIB shall calculate and deduct the
tariffs, expenses, commissions, and interests whatsoever that ‫ﻧواﻓق ﻋﻠﻰ ﻗﯾﺎم اﻟﺑﻧك ﺑﺎﺣﺗﺳﺎب وﺧﺻم اﻟﺗﻌرﯾﻔﺎت واﻟﻣﺻروﻓﺎت‬
‫واﻟﻌﻣوﻻت واﻟﻌواﺋد أﯾﺎ ﻛﺎن ﻧوﻋﮭﺎ واﻟﺗﻲ ﻗد ﺗﺳﺗﺣق ﻟﻠﺑﻧك وﻓﻘﺎ ﻟﻼﺋﺣﺔ‬
may be due to AAIB in accordance with the tariff/fee list in
‫ اﻟرﺳوم اﻟﻣﻌﻣول ﺑﮭﺎ ﻟدى اﻟﺑﻧك واﻟﻣﻌﻠﻧﺔ ﻋﻠﻰ اﻟﻣوﻗﻊ‬/ ‫اﻟﺗﻌرﯾﻔﺎت‬
force with AAIB and announced on AAIB’s official website
‫ وذﻟك دون اﻟﺣﺎﺟﺔ‬، (www.aaib.com) ‫اﻻﻟﻛﺗروﻧﻲ اﻟرﺳﻣﻲ ﻟﻠﺑﻧك‬
(www.aaib.com), without the need to obtain our prior approval
.‫إﻟﻰ اﻟﺣﺻول ﻋﻠﻰ ﻣواﻓﻘﺗﻧﺎ اﻟﻣﺳﺑﻘﺔ ﻓﻲ ھذا اﻟﺷﺄن‬
in this regard;
The Customer hereby declare that this requested GL account ‫ﯾﻘر اﻟﻌﻣﯾل ﺑﺎن اﻟﺣﺳﺎب اﻟﻔرﻋﻲ اﻟﻣطﻠوب ﻓﺗﺣﮫ ﯾﺧﺿﻊ ﻟﻠﺷروط‬
will be subject to the General Terms and Conditions of Account ‫واﻻﺣﻛﺎم اﻟﻌﺎﻣﺔ ﻟﻔﺗﺢ اﻟﺣﺳﺎﺑﺎت واﻟﺷروط واﻻﺣﻛﺎم اﻟﺧﺎﺻﺔ ﺑﺎﺳﺗﺧدام‬
Opening and the specific Terms and Conditions related to the ‫ واﻟﺗﻲ ﯾﺗم ﺗﻌدﯾﻠﮭﺎ ﻣن وﻗﺗﺎ ً ﻷﺧر ﺑﻌد‬،‫اﻟﺧدﻣﺎت اﻻﻟﯾﻛﺗروﻧﯾﺔ اﻟﻣﺻرﻓﯾﺔ‬
Electronic Banking Services as amended from time to time ‫اﺧطﺎر اﻟﻌﻣﻼء ﺑﺎﻟوﺳﯾﻠﺔ اﻟﺗﻲ ﯾراھﺎ اﻟﺑﻧك ﻣﻧﺎﺳﺑﺔ وﻓﻘﺎ ﻟﻣطﻠق ﺗﻘدﯾر‬
according the Bank’s absolute discretion and available on the ‫اﻟﺑﻧك وﯾﺗم اﻹﻋﻼن ﻋﻧﮭﺎ ﻋﻠﻰ اﻟﻣوﻗﻊ اﻻﻟﻛﺗروﻧﻲ اﻟرﺳﻣﻲ ﻟﻠﺑﻧك‬
Bank’s official website (www.aaib.com). .(www.aaib.com)
The Customer hereby declare his acceptance and accuracy of
the extracted banking systems reports that evidencing ‫ﯾﻘر اﻟﻌﻣﯾل ﺑﻘﺑوﻟﮫ وﺑﺻﺣﺔ ﻣﺳﺗﺧرﺟﺎت اﻷﻧظﻣﺔ اﻟﺑﻧﻛﯾﺔ ﻣن ﺗﻘﺎرﯾر‬
customer electronically acknowledgement and acceptance for .‫ﺗﺛﺑت اﻻطﻼع واﻟﻣواﻓﻘﺔ اﻟﻛﺗروﻧﯾﺎ ً ﻋﻠﻰ ﺗﻠك اﻟﺷروط واﻻﺣﻛﺎم‬
these Terms and Conditions.
The Customer hereby declare acknowledgement and
acceptance of all the above mentioned Terms and Conditions, ‫ﯾﻘر اﻟﻌﻣﯾل ﺑﺎﻻطﻼع واﻟﻣواﻓﻘﺔ ﻋﻠﻰ ﻛﺎﻓﺔ اﻟﺷروط واﻷﺣﻛﺎم اﻟﻣذﻛورة‬
and also Account Opening Application Terms and Conditions, ‫ وﻛُﺗَﯾب اﻟﺷروط‬،‫ وﻛذا ﺷروط واﺣﻛﺎم طﻠب ﻓﺗﺢ اﻟﺣﺳﺎﺑﺎت‬،‫أﻋﻼه‬
and Account Opening Terms and Conditions Booklet of AAIB ،‫واﻷﺣﻛﺎم اﻟﻌﺎﻣﺔ ﻟﻔﺗﺢ اﻟﺣﺳﺎﺑﺎت واﻟﻣﻌﺎﻣﻼت اﻟﻣﺻرﻓﯾﺔ ﻟﻠﻌﻣﻼء اﻻﻓراد‬
Customers (Retail) and the specific Terms and Conditions .‫واﻟﺷروط واﻻﺣﻛﺎم اﻟﺧﺎﺻﺔ ﺑﺎﻟﺧدﻣﺎت اﻻﻟﯾﻛﺗروﻧﯾﺔ اﻟﻣﺻرﻓﯾﺔ‬
related to the Electronic Banking Services.
If a conflict arises over the interpretation of these terms and ‫ﻓﻲ ﺣﺎﻟﺔ وﺟود ﺧﻼف ﺣول ﺗﻔﺳﯾر ھذه اﻟﺷروط واﻷﺣﻛﺎم ﯾﻌﺗﺑر اﻟﻧص‬
conditions, the Arabic version prevails. .‫اﻟﻣدون ﺑﺎﻟﻠﻐﺔ اﻟﻌرﺑﯾﺔ ھو اﻟﻣﻌول ﻋﻠﯾﮫ واﻟواﺟب اﻟﺗطﺑﯾق‬
2‫ ﻣن‬2 ‫ﺻﻔﺣﺔ‬

E Golden Saving Account

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Individuals E-Golden Saving Account

Terms and Conditions ‫اﻟﺷروط واﻷﺣﻛﺎم‬

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