Banque Misr SWIFT/BIC code

BMISEGCX – the SWIFT/BIC code of Banque Misr

If an invoice shows BMISEGCX or BMISEGCXXXX, you are looking at the same identifier for Banque Misr in Egypt. Every bank on the SWIFT network uses these codes to direct payments between countries to the right institution. It comes up mostly for payments that cross a border and payments in foreign currencies.

On this page you will find how the code means, when it matters and what else you need for a transfer to or from Banque Misr. The SWIFT code alone does not identify an individual account holder; that is what the IBAN or account number is for.

Getting paid from abroad into a Banque Misr account

For a transfer from abroad at Banque Misr, the person paying you has to have more than the SWIFT code. In practice that means: your full name exactly as it appears on the account, your IBAN or account number, the SWIFT/BIC code BMISEGCXXXX (or BMISEGCX) and sometimes your address.

Certain banks want the bank’s address in Cairo, so keep it at hand. Double-check the details before you share them.

Money from abroad does not always arrive in full. Fees for incoming transfers vary per bank. On invoices, you can agree how the fees are split.

International transfers from Banque Misr: the real cost

When you send money to another country via Banque Misr, the fee you see is only part of the cost. On top of a fixed fee, banks in between may deduct a fee, and when currencies are converted the bank usually applies a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. A simple test: put the bank’s rate next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers often use rates closer to the mid-market rate with clearer fees. GoldexPay lists transfer providers next to each other so you can see what actually arrives for the same amount sent. You can still keep your account at Banque Misr.

When will the money arrive at Banque Misr?

A SWIFT payment usually takes anywhere from one to several business days. Weekends and public holidays in the sending or receiving country add extra days to the journey. Sometimes a bank asks what the payment is for before releasing it.

A growing number of banks are connected to SWIFT gpi, which lets them follow a payment from bank to bank. Every gpi transfer carries a unique transaction reference, the UETR, which your bank can use to see where the money is. Specialist transfer services usually show tracking in their app so you can see how far the money has got.

A delayed transfer has to be investigated by the sending bank. Request from the sender the payment receipt – it helps your own bank look for the money.

Why Banque Misr has an 8- and an 11-character code

The layout of a BIC never changes: four characters for the institution, a two-letter country code and a two-character location code, plus an optional branch code. Combined, those parts make up BMISEGCX, the code most people search for.

The long version has a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, which is why BMISEGCXXXX and BMISEGCX lead to the same place.

Type the code in one piece, in capitals and without separators. A wrong letter can send a payment to another bank, so check it twice.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a request claiming that a supplier has a new bank account and that the next payment should go there. That BMISEGCX is a real code is no guarantee that a request mentioning it is legitimate; criminals use the codes of real banks too.

Verify changed bank details via a different channel, never via the email that asked for the change. Pressure or secrecy are red flags – a real supplier can wait a day. If money was sent to the wrong account, contact your bank immediately.

Scams also work the other way: someone sends more than agreed and asks you to refund the extra. Do not act before the money has really arrived.

Verifying the SWIFT code of Banque Misr

The most reliable place for the right code remains a document from the bank itself. Check it against BMISEGCX here.

An incorrect BIC can cause delays, a payment being sent back or additional charges for investigation. Remember the IBAN: a mistake there is harder to correct than a wrong BIC.

An automatic check by your bank merely confirms that the IBAN is valid, not that it is the right account. Some banks now check the payee name with the account. A small test payment is a sensible step for large sums.

Head office or branch code at Banque Misr?

Our database contains 24 SWIFT/BIC codes for Banque Misr. Next to the head office code BMISEGCXXXX, there are codes for individual branches and departments.

For the vast majority of incoming transfers, the head office code BMISEGCXXXX is what you need. Branch codes are only needed if the account holder specifically asks for it, which is more common for corporate accounts and trade services.

The safest route is to copy the code straight from the account holder’s invoice. Branch codes are more prone to be retired than the head office code.

A note on our data

This directory is compiled from publicly available sources. Still, banks merge or change codes. The figures we show reflect our own data, not official figures from Banque Misr.

Treat our directory here as a handy check and rely on the recipient or Banque Misr for the final confirmation. GoldexPay has no connection to Banque Misr, we only compare transfer services. Should you notice a mistake, we welcome a message.