Banque Misr is the bank of civil servants and pensioners — and many of them freelance on the side. Pull the side-income out of your Arabic-first PDF in seconds.
Convert your Banque Misr statementBanque Misr, founded by Talaat Harb in 1920, is Egypt's second-largest bank and a primary banking channel for civil servants, pensioners, and lower-to-middle-income households. Many of those customers freelance on the side — tutoring, repairs, online sales — and the side-income lands in the same Banque Misr account as the state "مرتب" or pension.
The Egyptian Tax Authority (ETA) treats side-income above EGP 60,000 as reportable. Separating regular salary or pension from client payments takes time on an Arabic-only statement. A converted spreadsheet lets you filter by description in minutes.
Banque Misr issues an Arabic-first PDF with English equivalents on the column headers. Columns: serial number, date (DD/MM/YYYY), Arabic description, debit (EGP), credit (EGP), running balance. Common labels: "إيداع نقدي" (cash deposit), "سحب ATM", "تحويل داخلي" (internal transfer), "قسط قرض" (loan installment), "مرتب" (salary), "فائدة دائنة" (credit interest).
Pension recipients see regular monthly "معاش" credits. Some Banque Misr customers still receive postal transfers ("تحويل بريدي") — a real, active payment rail in Egypt, especially in rural governorates.
The ETA wants gross side-income separated from salary or pension. Banque Misr statements need careful filtering because the rural-governorate customer base often mixes cash deposits with informal client payments.
Arabic-first bilingual PDF. Primary column labels in Arabic with English equivalents. Columns: serial number, date, description (Arabic), debit (EGP), credit (EGP), balance (EGP). Common Arabic labels: 'إيداع نقدي' (cash deposit), 'سحب ATM', 'تحويل داخلي', 'قسط قرض'. Account header shows account number, branch name, and statement period in both Arabic and English. Banque Misr statements from 2022 onward may have wide balance swings due to EGP devaluations.
| Label | Meaning |
|---|---|
| إيداع نقدي | Cash deposit |
| سحب ATM | ATM cash withdrawal |
| تحويل داخلي | Internal transfer between Banque Misr accounts |
| قسط قرض | Loan instalment deduction |
| مرتب | Salary credit |
Egypt's large informal freelance sector means many transactions are cash or Vodafone Cash; bank statements will show only the formal income that flows through the account, requiring supplementary records for full disclosure.
Pull twelve months from BM Online
Open BM Online (Banque Misr's app), request a twelve-month statement, and download the PDF. Branch-printed statements work too.
Upload and confirm Arabic decoding
Drop the PDF in. Kashfbank reads Banque Misr's Arabic narration natively. Older branch-printed PDFs may have lower-resolution scans — check the low-confidence flag column after conversion.
Separate salary or pension from side-income
Filter "مرتب" or "معاش" as your declared primary income. Then look at "إيداع نقدي" and incoming "تحويل" rows — these are your candidate side-income lines, to be matched against your invoice or sales records.
Export and file
Download the CSV. Hand off to your accountant with a note on which cash deposit rows are client payments versus personal cash. The accountant uses your records, not just the statement, to confirm.
Common challenges
Does Kashfbank handle Banque Misr's Arabic-only descriptions?
Yes. Banque Misr statements use Arabic descriptions in the narration column with English equivalents only on the column headers. Kashfbank reads Arabic natively and preserves each row's original description.
How do I tell a client cash deposit from a personal one?
The statement won't tell you — both appear as "إيداع نقدي". Match deposit dates and amounts against your invoice records or sales log. The ETA expects you to know which is which; the bank doesn't categorise cash by source.
I receive a state pension at Banque Misr. Is that taxable as income?
State pensions are subject to specific personal income tax rules — generally taxed less heavily than salary, with allowances. Your accountant will treat the "معاش" credit differently from a "مرتب". Both show clearly on the converted statement.
My Banque Misr PDF is from 2018 and is blurry. Will it convert?
Older branch-printed Banque Misr statements can be lower-resolution scans. Kashfbank handles them but flags low-confidence rows in the output. Spot-check those rows against the original PDF before relying on them for the ETA return.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Loan Applications
Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.
Mortgage Applications
Prepare 6–12 months of verified, structured bank statement data for mortgage underwriting — covering down payment seasoning, income stability, and GCC real estate requirements.
Regulator: Central Bank of Egypt (CBE)
Fiscal year: Jul 1 – Jun 30 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English