قائمة امتثال KYC وKYB وAML
مصر KYC, KYB & AML
A general Egypt implementation baseline under Anti-Money Laundering Law No. 80 of 2002 and its Executive Regulations, with separate Central Bank of Egypt and Financial Regulatory Authority overlays. It is not a complete sector checklist; banks, payment and remittance businesses, foreign-exchange companies, non-bank financial institutions and DNFBPs must apply the rules and reporting instructions issued for their regulated activity.
- تاريخ المراجعة
- 15 July 2026
- الإصدار
- 1.0
- مجالات رقابية
- 7
- فحوص تنفيذ
- 45
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ مصر؟
تحوّل قائمة مصر قواعد KYC وKYB وAML الأساسية إلى 7 مجالات رقابية و45 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Financial intelligence unit
- EMLCU / Egyptian FIU
- Core framework
- AML Law 80/2002 and Executive Regulations
- Record retention
- At least 5 years
- Suspicion reporting
- Immediately once suspicion exists
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في مصر
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Applicability and governanceDetermine the regulated activity and make the national and sector-specific AML framework operational.7 عناصر+
Map AML scope by activity
- إجراء التنفيذ
- Document whether each product is a bank, payment, money-transfer, foreign-exchange, securities, financing, insurance or other financial activity, or a covered designated non-financial business or profession. Do not infer the rule set from the fintech label alone.
- الأدلة الواجب الاحتفاظ بها
- Activity, license and AML-scope memorandum
- المصدر الأساسي
- AML Law, art. 1; Executive Regulations
Identify the competent supervisor
- إجراء التنفيذ
- Map each activity to its statutory supervisor. The CBE supervises banks, foreign-exchange companies, money-transfer entities, payment-system operators and payment-service providers. The FRA supervises insurance, capital markets, central depository and clearing, mortgage finance, financial leasing, factoring, consumer finance and MSME finance. The Ministry of Communications supervises Egypt Post's financial services other than payment systems and services. The Ministry of Trade and Industry supervises covered real-estate brokers; the Ministry of Supply and Internal Trade supervises covered precious-metals and precious-stones dealers; the Ministry of Tourism supervises covered casinos; the Egyptian Bar Association supervises covered lawyers; the Commercial Professions Syndicate supervises covered accountants; and GAFI supervises covered trust and company service providers. The EMLCU supervises covered institutions or DNFBPs for which no other supervisor applies.
- الأدلة الواجب الاحتفاظ بها
- Activity-to-supervisor matrix, licence inventory, applicability memo and named rule owner
- المصدر الأساسي
- AML Law, art. 1; Executive Regulations, definitions and art. 22 bis A
Apply the exact DNFBP activity and threshold scope
- إجراء التنفيذ
- Apply the AML framework to real-estate brokers when buying or selling property for clients; precious-metals and precious-stones dealers conducting cash transactions of USD 15,000 equivalent or more, including linked transactions; casinos conducting transactions of USD 3,000 equivalent or more, including linked transactions; and professional trust and company service providers performing the activities listed in the Executive Regulations. Lawyers and accountants are covered only when preparing or executing for clients the purchase or sale of real estate; management of funds, securities or other assets; management of bank, savings or securities accounts; organisation of contributions for forming, operating or managing companies; or creation, operation, management, purchase or sale of legal persons, arrangements or businesses. Do not extend this automatically to ordinary litigation or legal advice. When a lawyer, accountant or similar agent supplies CDD information, professional secrecy cannot be invoked to avoid the CDD requirement.
- الأدلة الواجب الاحتفاظ بها
- DNFBP applicability assessment, linked-transaction aggregation, client-matter classification and CDD evidence
- المصدر الأساسي
- AML Law, art. 1; Executive Regulations, definitions and art. 22 bis A
Appoint an AML/CFT manager and alternate
- إجراء التنفيذ
- Appoint a responsible AML/CFT manager and qualified alternate from senior management. Give both the independence, confidentiality, authority and access required by Articles 35 to 37, and notify the EMLCU of their names and contact details. FRA-supervised legal persons must also comply with Decision 161/2024, register the manager and alternate in the FRA register, notify both the EMLCU and FRA of their contact details, and notify both authorities immediately when either person changes. Notify FRA within one week when the alternate assumes responsibility because of absence or when the manager leaves the institution. Apply any additional CBE or sector-specific approval and fitness requirements.
- الأدلة الواجب الاحتفاظ بها
- Appointments, register entry, EMLCU and FRA notifications, change log and sector approval
- المصدر الأساسي
- Executive Regulations, arts. 35-37; FRA Decision 161/2024, arts. 14-21
Approve a risk-based AML program
- إجراء التنفيذ
- Maintain board-approved policies, procedures and systems covering institutional risk assessment, CDD, beneficial ownership, PEPs, targeted financial sanctions, monitoring, internal escalation, EMLCU reporting, records, training and assurance.
- الأدلة الواجب الاحتفاظ بها
- Approved AML/CFT program mapped to controls
- المصدر الأساسي
- Executive Regulations, art. 32; FRA Decision 161/2024, arts. 3 and 5
Assess institutional and technology risk
- إجراء التنفيذ
- Conduct and document an institution-wide ML, TF and proliferation-financing risk assessment proportionate to the institution's size and activities. Cover customers, countries and geographic areas, existing and new products, services, transactions, delivery channels, business practices and technologies before use. The board must approve the assessment. Update it at least annually and whenever material change requires it, and provide the assessment and supporting material to the EMLCU or supervisor on request. Before offering a new product or service relying on modern technology, identify and assess its ML/TF risks, implement proportionate controls and coordinate with the EMLCU before launch.
- الأدلة الواجب الاحتفاظ بها
- Board-approved annual assessment, methodology, trigger log, launch assessment, controls and EMLCU coordination
- المصدر الأساسي
- Executive Regulations, arts. 22 bis C(6) and 29 bis
Apply the stricter sector overlay
- إجراء التنفيذ
- Add current EMLCU CDD procedures, CBE or FRA rules, license conditions, reporting instructions and product-specific controls. Resolve any conflict against the binding Arabic instrument and obtain local advice where scope is uncertain.
- الأدلة الواجب الاحتفاظ بها
- Sector-overlay and legal-change register
- المصدر الأساسي
- Applicable regulator rule and official Arabic text
02KYC for natural personsIdentify the customer and representative before service, understand the purpose and keep the profile reliable.6 عناصر+
Prohibit anonymous or fictitious relationships
- إجراء التنفيذ
- Do not open or maintain accounts, accept deposits or funds, or provide covered services under anonymous, false or fictitious names.
- الأدلة الواجب الاحتفاظ بها
- Onboarding prohibition and exception report
- المصدر الأساسي
- AML Law, art. 8; Executive Regulations, art. 33
Identify the natural person
- إجراء التنفيذ
- Collect the full legal name, official identification details, date and place of birth, nationality, address, occupation or business, contact details and other data required by the applicable EMLCU and sector procedure.
- الأدلة الواجب الاحتفاظ بها
- Completed customer profile
- المصدر الأساسي
- AML Law, art. 8; applicable CDD procedure
Verify with reliable independent evidence
- إجراء التنفيذ
- Verify the identity before the relationship or occasional transaction using valid official documents and reliable independent data or information. Record authenticity, expiry, liveness or non-face-to-face controls where relevant.
- الأدلة الواجب الاحتفاظ بها
- Identity evidence and verification audit trail
- المصدر الأساسي
- Executive Regulations, art. 22 bis A
Verify representatives and authority
- إجراء التنفيذ
- Identify and verify each person acting for a customer, confirm the authority to act and retain the mandate or other reliable authority evidence.
- الأدلة الواجب الاحتفاظ بها
- Representative KYC and authority record
- المصدر الأساسي
- Executive Regulations, art. 22 bis A(5)
Understand purpose and expected activity
- إجراء التنفيذ
- Record the nature and purpose of the relationship, expected products, volumes, counterparties, geographies and source of funds needed to understand normal activity and risk.
- الأدلة الواجب الاحتفاظ بها
- Purpose and expected-activity profile
- المصدر الأساسي
- Executive Regulations, art. 22 bis A(2); sector CDD procedure
Resolve failed CDD
- إجراء التنفيذ
- If required CDD cannot be completed, do not open the account, start or continue the relationship, or execute the transaction. Consider and document whether the reasons require an immediate suspicious-transaction report to the EMLCU.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit and STR decision
- المصدر الأساسي
- Executive Regulations, art. 22 bis C(1)
03KYB and beneficial ownershipVerify legal existence and authority, then trace ownership and control to natural persons.6 عناصر+
Verify the legal entity
- إجراء التنفيذ
- Obtain and independently verify the registered name, legal form, commercial-registration number and status, incorporation or governing documents, registered and operating addresses, tax details where required and regulated licenses through GAFI, the Commercial Registry, ITDA or the competent registry.
- الأدلة الواجب الاحتفاظ بها
- Current registry evidence and formation documents
- المصدر الأساسي
- Executive Regulations, art. 22 bis A; GAFI and ITDA procedures
Understand business activity
- إجراء التنفيذ
- Document the business model, products, operating locations, expected counterparties, transaction profile and source of funds, and corroborate material claims with reliable evidence.
- الأدلة الواجب الاحتفاظ بها
- Business and expected-activity profile
- المصدر الأساسي
- Executive Regulations, art. 22 bis A
Verify directors, representatives and authority
- إجراء التنفيذ
- Identify and verify authorized representatives and the natural persons relevant to management or control, and confirm signing, account and transaction authority using current resolutions, powers or mandates.
- الأدلة الواجب الاحتفاظ بها
- Connected-person KYC and authority chain
- المصدر الأساسي
- Executive Regulations, art. 22 bis A
Apply the beneficial-owner cascade
- إجراء التنفيذ
- Identify and reasonably verify the natural persons with controlling ownership, then persons exercising control through other means. Only when neither can be identified after reasonable measures, identify the natural person holding the senior-management position and record why the fallback was used.
- الأدلة الواجب الاحتفاظ بها
- Ownership and control chart with BO rationale
- المصدر الأساسي
- Executive Regulations, art. 22 bis B(1)-(2)
Resolve legal arrangements and layers
- إجراء التنفيذ
- Trace all intermediate entities and nominees. For trusts or similar arrangements identify and verify the settlor, trustee, protector, beneficiaries or class of beneficiaries and any other natural person exercising effective control.
- الأدلة الواجب الاحتفاظ بها
- Full structure chart and arrangement documents
- المصدر الأساسي
- Executive Regulations, art. 22 bis B(3)
Keep BO information current
- إجراء التنفيذ
- Update customer and beneficial-owner data periodically and continuously, with closer attention to higher-risk customers and trigger events. Reconcile declarations against current registry, constitutional and ownership evidence and investigate inconsistencies.
- الأدلة الواجب الاحتفاظ بها
- BO refreshes and discrepancy outcomes
- المصدر الأساسي
- Executive Regulations, art. 22 bis C(4)-(5)
04Risk, PEPs and targeted financial sanctionsUse a documented risk model for CDD and EDD while treating list-based freezing as an immediate legal control.7 عناصر+
Assign and explain customer risk
- إجراء التنفيذ
- Assess customer, ownership, product, service, channel, geography and transaction risk and retain the score, rationale, reviewer and approval. Reassess when facts or external risk information change.
- الأدلة الواجب الاحتفاظ بها
- Customer risk assessment and decision
- المصدر الأساسي
- Executive Regulations, art. 32; FRA Decision 161/2024, art. 3
Identify PEP exposure
- إجراء التنفيذ
- Determine whether the customer or beneficial owner is or was entrusted with a prominent domestic, foreign or international-organization function. Extend the assessment to family members, close associates, persons acting on their behalf, and controlled legal persons or arrangements.
- الأدلة الواجب الاحتفاظ بها
- PEP screening and relationship mapping
- المصدر الأساسي
- Executive Regulations, definition and art. 32 bis
Apply mandatory PEP controls
- إجراء التنفيذ
- For covered PEP relationships, obtain senior-management approval before establishing or continuing the relationship, take reasonable measures to establish source of wealth and source of funds, and apply enhanced continuous monitoring.
- الأدلة الواجب الاحتفاظ بها
- Approval, source analysis and monitoring plan
- المصدر الأساسي
- Executive Regulations, art. 32 bis
Screen UN and domestic designation lists
- إجراء التنفيذ
- Register for EMLCU updates and monitor the relevant UN Security Council terrorism, terrorist-financing and proliferation-financing lists daily. Screen prospective and existing customers, beneficial owners, representatives and transaction parties before onboarding, before transactions and immediately after every list update. Apply Egypt's domestic terrorist-entity and terrorist lists separately under Law 8/2015.
- الأدلة الواجب الاحتفاظ بها
- Subscription, daily update log, screening results, alert decisions and quality assurance
- المصدر الأساسي
- FIU Decision 1/2024; Executive Regulations, arts. 52 and 53 bis A
Freeze the complete UN-designated asset perimeter
- إجراء التنفيذ
- For a confirmed UN designation, freeze without delay and without prior notice all funds or assets owned or controlled directly or indirectly, wholly or jointly, including assets derived from them and assets held by persons or entities acting on behalf of or at the direction of a designated person. Do not make funds, assets, economic resources, financial services or related services available directly or indirectly to those persons or entities.
- الأدلة الواجب الاحتفاظ بها
- Match validation, freeze record, blocked transaction, asset-scope analysis and non-availability control
- المصدر الأساسي
- FIU Decision 1/2024; Executive Regulations, arts. 52 and 53 bis A
Apply domestic-list freezing and financing prohibitions
- إجراء التنفيذ
- For domestic designations, immediately freeze the listed person's or entity's funds and assets, including jointly owned funds and generated proceeds. Prohibit direct or indirect financing, collection, receipt, transfer and similar financial services.
- الأدلة الواجب الاحتفاظ بها
- Domestic-list match, freeze record, financing block and legal escalation
- المصدر الأساسي
- Law 8/2015; FIU Decision 1/2024
Report every TFS implementation action immediately
- إجراء التنفيذ
- Immediately notify the EMLCU and competent supervisor of every freeze, unfreeze, attempted transaction and other implementation action. Preserve the related records and release or deal with frozen assets only under an authorised exemption, delisting or unfreezing decision.
- الأدلة الواجب الاحتفاظ بها
- Immediate notification, receipt, attempted-transaction record, release authority and case file
- المصدر الأساسي
- FIU Decision 1/2024; Executive Regulations, arts. 52 and 53 bis A
05Enhanced due diligenceIncrease information, verification, approval and monitoring in proportion to identified higher risk.5 عناصر+
Collect additional information
- إجراء التنفيذ
- Obtain further customer, ownership, control, business, geography, purpose and transaction information needed to understand and mitigate the higher risk.
- الأدلة الواجب الاحتفاظ بها
- EDD information pack
- المصدر الأساسي
- Risk-based CDD procedures and sector controls
Corroborate identity and activity
- إجراء التنفيذ
- Use additional reliable independent sources to verify identity, legal existence, ownership, expected activity, source explanations and the reason for complex or unusual features.
- الأدلة الواجب الاحتفاظ بها
- Independent corroboration record
- المصدر الأساسي
- Executive Regulations, arts. 22 bis A-C
Establish source of funds and wealth
- إجراء التنفيذ
- Establish and, where risk requires, corroborate source of funds and source of wealth. Apply the specific source and approval controls required for PEPs.
- الأدلة الواجب الاحتفاظ بها
- Source evidence and plausibility analysis
- المصدر الأساسي
- Executive Regulations, art. 32 bis
Obtain senior approval
- إجراء التنفيذ
- Require documented senior-management approval for PEP relationships and other higher-risk relationships specified by the institution's policy or sector rule, including conditions for acceptance or continuation.
- الأدلة الواجب الاحتفاظ بها
- Approval and conditions
- المصدر الأساسي
- Executive Regulations, art. 32 bis; internal risk policy
Increase ongoing scrutiny
- إجراء التنفيذ
- Set tighter refresh cycles, monitoring scenarios, alert thresholds and escalation requirements proportionate to higher risk and record how the measures reduce that risk.
- الأدلة الواجب الاحتفاظ بها
- EDD monitoring plan and reviews
- المصدر الأساسي
- Executive Regulations, arts. 22 bis C and 32 bis
06Ongoing due diligence and fintech controlsKeep customer knowledge current and connect onboarding data to monitoring, investigations and product change.7 عناصر+
Monitor throughout the relationship
- إجراء التنفيذ
- Monitor transactions and behavior for consistency with the customer's identity, business, ownership, risk, expected activity and source of funds, and identify attempted as well as completed suspicious activity.
- الأدلة الواجب الاحتفاظ بها
- Monitoring rules, alerts and case outcomes
- المصدر الأساسي
- Executive Regulations, arts. 32 and 36
Refresh on risk and trigger events
- إجراء التنفيذ
- Update CDD, beneficial ownership, authority and risk information periodically and when ownership, management, product use, geography, behavior, sanctions or other material facts change.
- الأدلة الواجب الاحتفاظ بها
- Review schedule and event-driven reviews
- المصدر الأساسي
- Executive Regulations, art. 22 bis C(4)-(5)
Examine unusual activity promptly
- إجراء التنفيذ
- Route unusual and internally reported activity to the AML/CFT manager through secure channels, investigate promptly and retain the facts, analysis and reporting or closure rationale.
- الأدلة الواجب الاحتفاظ بها
- Investigation file and decision
- المصدر الأساسي
- Executive Regulations, art. 36; FRA Decision 161/2024, art. 6
Govern technology and outsourcing
- إجراء التنفيذ
- Document data coverage, model or rule logic, alert handling, access, change control, testing and human oversight for automated KYC, screening and monitoring. Assess reliance on third parties without outsourcing accountability.
- الأدلة الواجب الاحتفاظ بها
- System inventory, tests, vendor controls and change records
- المصدر الأساسي
- Executive Regulations, art. 22 bis C(6); FRA Decision 161/2024, arts. 3 and 5
Maintain a linked audit trail
- إجراء التنفيذ
- Ensure monitoring and case teams can retrieve onboarding purpose, expected activity, ownership structure, risk rating, screening history and prior reviews so KYC is not treated as a static file.
- الأدلة الواجب الاحتفاظ بها
- Linked customer, monitoring and case record
- المصدر الأساسي
- Recommended implementation control; lifecycle obligations
Apply payment and messaging updates
- إجراء التنفيذ
- Banks operating in Egypt must apply the CBE's ISO 20022 migration for SWIFT messaging used in interbank financial transfers from 21 June 2026. Do not extend this announcement to non-bank payment businesses unless a separate binding CBE circular or licence condition applies to their service.
- الأدلة الواجب الاحتفاظ بها
- Bank-scope decision, migration evidence, message validation and any separate non-bank CBE authority
- المصدر الأساسي
- CBE ISO 20022 announcement, 21 June 2026
Apply the CBE PSO and PSP licensing transition
- إجراء التنفيذ
- Map payment-system-operator and payment-service-provider activities to the CBE Rules for Licensing and Registration issued in June 2025. Existing payment institutions were required to regularise their position and apply for a CBE licence within the one-year transition ending in June 2026; do not continue covered activity without the required licence, registration or documented CBE status.
- الأدلة الواجب الاحتفاظ بها
- Activity classification, transition assessment, CBE application or licence, governance and remediation
- المصدر الأساسي
- CBE PSO/PSP Licensing and Registration Rules, 17 June 2025
07Reporting, records, privacy and assuranceReport immediately, prevent tipping off, retain retrievable evidence and align privacy implementation with the 2025 regulations.7 عناصر+
File suspicious-transaction reports immediately
- إجراء التنفيذ
- The AML/CFT manager must notify the EMLCU immediately once suspicion exists, regardless of transaction value, including attempted transactions. Internal review must be prompt and must not be used to delay reporting.
- الأدلة الواجب الاحتفاظ بها
- STR reference, decision and timeline
- المصدر الأساسي
- Executive Regulations, art. 36(3); FRA Decision 161/2024, art. 6
Use the prescribed secure channel
- إجراء التنفيذ
- Use the current EMLCU form and secure electronic channel assigned to the institution. Confirm the supervisor's current portal instruction; CBE's 16 April 2026 circular specifically requires foreign-exchange companies to implement goAML.
- الأدلة الواجب الاحتفاظ بها
- Portal registration, filing receipt and channel matrix
- المصدر الأساسي
- EMLCU instructions; CBE circulars; FRA STR forms
Prevent tipping off
- إجراء التنفيذ
- Do not disclose directly or indirectly to the customer, beneficiary or unauthorized persons that a suspicious report, examination, investigation or related measure exists. Restrict access to need-to-know personnel.
- الأدلة الواجب الاحتفاظ بها
- Access controls and communications guidance
- المصدر الأساسي
- AML Law, art. 11; Executive Regulations, art. 34 bis A
Retain retrievable AML records
- إجراء التنفيذ
- Keep transaction, customer, representative and beneficial-owner records for at least five years from account closure or completion of an occasional transaction, and longer when requested by the EMLCU or investigating authorities. Preserve reports, analysis, screening, freezing, training and assurance records under applicable rules.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule and retrieval evidence
- المصدر الأساسي
- AML Law, art. 9; Executive Regulations, art. 34; FRA Decision 161/2024, arts. 8-9
Submit governance and sector returns
- إجراء التنفيذ
- Prepare the AML/CFT manager's report at least annually for the board and EMLCU. FRA-supervised entities must also meet Decision 161/2024 reporting requirements, including the semiannual suspicion-statistics report to FRA within one week after the period ends and applicable annual reports.
- الأدلة الواجب الاحتفاظ بها
- Board reports, EMLCU submission and FRA returns
- المصدر الأساسي
- Executive Regulations, art. 38; FRA Decision 161/2024, art. 6
Implement the PDPL transition
- إجراء التنفيذ
- Complete the PDPL transition no later than 1 November 2026. Map each processing purpose to a lawful basis, including legal-obligation processing required for AML compliance rather than relying on blanket consent. Obtain the controller, processor, sensitive-data and other PDPC licences or permits applicable to the processing. A legal-person controller or processor must appoint and register a qualified DPO and maintain accessible DPO contact details. Before a cross-border transfer, determine whether a statutory exception applies. Otherwise obtain the required PDPC licence or permit, confirm the destination's adequacy, obtain the data subject's consent and implement the required contractual, security and record controls. Notify the PDPC within 72 hours after becoming aware of a personal-data breach, immediately when national-security considerations are involved, and notify affected data subjects within three business days after notifying the PDPC. Preserve AML records where AML legislation overrides an erasure or ordinary retention request.
- الأدلة الواجب الاحتفاظ بها
- Transition plan, lawful-basis register, licences, registered DPO, transfer assessment, contracts, breach chronology and AML retention override
- المصدر الأساسي
- PDPL 151/2020; Ministerial Decision 816/2025; official PDPC and DPO guidance
Train, test and remediate
- إجراء التنفيذ
- Where FRA Decision 161/2024 applies, train relevant employees at least annually. Require the internal-audit function to prepare a report for each calendar year on the AML/CFT manager's work and the institution's compliance. Prepare that report within 15 days after the reporting period, submit it to the board for approval, and provide the approved report to FRA within 45 days after the period ends, together with the external-auditor report. Engage an external auditor registered with FRA to review the internal-control environment, the internal-audit report and compliance with AML/CFT/CPF requirements. The external auditor must provide an annual report to both the institution and FRA within 45 days after the reporting period ends. For institutions outside FRA supervision, apply the training, internal-review and independent-assurance requirements imposed by the applicable sector rule. Independent assurance is recommended only where no binding rule makes it mandatory.
- الأدلة الواجب الاحتفاظ بها
- Annual training records, internal-audit report, board approval, FRA submission receipt, registered external-auditor appointment and annual external-auditor report
- المصدر الأساسي
- FRA Decision 161/2024, arts. 7 and 10-11
دليل الدولة 2026
7 مجال رقابي و45 فحص تنفيذ مع روابط مباشرة للمصادر التنظيمية.
حمّل قائمة KYC وKYB وAML الخاصة بـ مصر
شارك بيانات العمل للوصول الفوري إلى قائمة التنفيذ الموثقة بالمصادر لـ مصر. تاريخ المراجعة التنظيمية: 15 July 2026.
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استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Anti-Money Laundering Law No. 80 of 2002, current Arabic consolidated textFinancial Regulatory Authority · primary
- Executive Regulations of Anti-Money Laundering Law No. 80 of 2002, current Arabic textFinancial Regulatory Authority · primary
- Anti-Money Laundering Law No. 80 of 2002, historical English translationGeneral Authority for Investment and Free Zones · primary
- Egyptian AML/CFT system and sector-supervisor mapCentral Bank of Egypt · primary
- AML/CFT regulations for banks and foreign-exchange companiesCentral Bank of Egypt · primary
- CBE compliance guidance and record-retention FAQCentral Bank of Egypt · primary
- CBE circulars, including the 16 April 2026 goAML requirement for foreign-exchange companiesCentral Bank of Egypt · primary
- FRA AML/CFT system, legislation, forms and guidanceFinancial Regulatory Authority · primary
- FRA Decision No. 161 of 2024 on AML/CFT controls for non-bank financial activitiesFinancial Regulatory Authority · primary
- FIU Decision No. 1 of 2024 on targeted financial sanctionsEgyptian FIU via Financial Regulatory Authority · primary
- Company incorporation and company-amendment servicesGeneral Authority for Investment and Free Zones · primary
- Commercial Registry legislation and proceduresInternal Trade Development Authority · primary
- Official PDPC Data Subject Consent Guidelines citing Law No. 151/2020 and Decision No. 816/2025Personal Data Protection Center · primary
- CBE Rules for Licensing and Registration of PSOs and PSPs, 17 June 2025Central Bank of Egypt · primary
- Egypt's Economic Rise and KYB's RoleVOVE ID - contextual reading · context
- Egyptian Personal Data Protection Center official portalPersonal Data Protection Center · primary
- Official Data Protection Officer guidancePersonal Data Protection Center · primary
- ISO 20022 migration announcement, 21 June 2026Central Bank of Egypt · primary
- Jurisdictions under Increased Monitoring, 19 June 2026FATF · primary
إجابات مباشرة
أسئلة KYC وKYB وAML في مصر
Which Egyptian AML rules apply to a fintech?+
It depends on the regulated activity, not the fintech label. Start with AML Law 80/2002 and its Executive Regulations, then add the CBE rules for CBE-supervised banking, payment, remittance or foreign-exchange activity, FRA Decision 161/2024 for covered non-bank financial activity, or the controls of another competent supervisor.
How is a beneficial owner identified in Egypt?+
Identify and reasonably verify the natural person with controlling ownership, then anyone controlling the entity by other means. Only if neither can be found after reasonable measures should the senior-management official be used as the fallback, with the reasoning documented. Trusts and similar arrangements require identification of the settlor, trustee, protector, beneficiaries and other effective controllers.
When must a suspicious transaction be reported in Egypt?+
The responsible AML/CFT manager must notify the EMLCU immediately once suspicion exists, regardless of value, including attempted transactions. The institution must follow the current EMLCU form and secure portal instructions and must not tip off the customer.
How long must AML records be kept in Egypt?+
At least five years from account closure or completion of an occasional transaction, and longer if the EMLCU or investigating authorities require it. Sector rules also require preservation of internal analysis, reports, screening, freezing, training and governance records.
What do Egypt's targeted-financial-sanctions rules require?+
Screen current UN Security Council and Egyptian domestic terrorist lists before dealing, during transactions and immediately after list updates. A confirmed designation requires immediate freezing without prior notice, non-dealing, and immediate notification to the EMLCU and competent supervisor using the prescribed process.
Is Egypt currently on the FATF grey list?+
Egypt was not named in FATF's jurisdictions under increased monitoring or jurisdictions subject to a call for action statements published on 19 June 2026. This is not a low-risk designation and does not replace a documented risk assessment.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
VOVE ID Compliance Research · تاريخ المراجعة 15 July 2026 · الإصدار 1.0
This is a general Egypt baseline, not legal advice or a complete sector checklist. Confirm whether the activity is supervised by the CBE, FRA or another authority; obtain the current Arabic legal text, EMLCU customer-due-diligence procedures, sector circulars, reporting forms and portal instructions before implementation. Where an English translation differs from the Arabic official text, the official Arabic text controls.