Prime Minister's Decree No. 1776 of 2020

Issuing the Executive Regulation of the Law Regulating the Use of Non-Cash Payment Means, issued by Law No. 18 of 2019

Prime Minister of the Cabinet

Having reviewed the Constitution;
And Law No. 53 of 1973 concerning the State General Budget;
And Law No. 127 of 1981 concerning Government Accounting;
And the Law of the Central Bank and the Banking System, issued by Law No. 88 of 2003;
And the Law Regulating the Use of Non-Cash Payment Means, issued by Law No. 18 of 2019;
And Presidential Decree No. 89 of 2017 establishing the National Payments Council;
And Prime Minister's Decree No. 123 of 2017 obligating all state administrative apparatus units, local administration units, public and service authorities, the Economic Authority, and other government entities to disburse all dues owed to their employees through the electronic payment system (ATM);
And Minister of Finance Decree No. 269 of 2018 concerning the collection of government, tax, and customs dues through the electronic payment and collection system;
And Minister of Finance Decree No. 305 of 2019 concerning the exemption of certain entities and government dues from the application of Minister of Finance Decree No. 269 of 2018, as amended by Decree No. 105 of 2020;
After obtaining the opinion of the Financial Regulatory Authority;
And based on what the Minister of Finance presented;
And after obtaining the approval of the Governor of the Central Bank of Egypt;
And after obtaining the approval of the Cabinet of Ministers;
And based on what the State Council deems appropriate;

Decided:

Article 1

The provisions of the Executive Regulation of the Law Regulating the Use of Non-Cash Payment Means, issued by Law No. 18 of 2019, attached to this Decree, shall be applied.

Article 2

Any provision conflicting with the provisions of the attached Executive Regulation is hereby repealed.

Article 3

This Decree shall be published in the Official Gazette and shall be enforced from the day following its publication date.

Issued at a meeting of the Cabinet of Ministers on 19 Muharram 1442 AH
Corresponding to 7 September 2020 AD

Prime Minister of the Cabinet
Dr. Mustafa Kamal Madbouly

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Executive Regulation of the Law Regulating the Use of Non-Cash Payment Means, issued by Law No. 18 of 2019

Article (1)

The term "non-cash payment means" refers to payment methods that result in a credit to one of the beneficiary's expense accounts, such as deposit and transfer orders, and credit and debit cards, and payment using mobile phones, or any other means approved by the Central Bank Governor.

The Ministry of Finance shall determine the mechanisms and non-cash payment and collection means among the means referred to in the first paragraph of this Article or approved by the Central Bank Governor, for state authorities, their agencies, state administrative apparatus units, local administration units, public and service authorities, entities with special budgets, special funds and accounts, units with a special character, and other government entities whose accounts are referred to in the unified Treasury account.

Article (2)

All state authorities and agencies, public legal persons, and companies in which the State owns all or the majority of the capital are obligated to settle the financial dues owed to their members and employees, experts, and heads and members of boards of directors and committees, as well as social insurance contributions, using non-cash payment means, except for foreign travel allowances.

Private legal persons and establishments of all types are also obligated to settle all dues owed to their employees, experts, and heads and members of boards of directors and committees, as well as social insurance contributions, using non-cash payment means, whenever the number of their employees exceeds twenty-five (25) employees or the total value of their monthly salaries exceeds one hundred thousand (100,000) Egyptian pounds.

Article (3)

All state authorities and agencies, public legal persons, and establishments of all types referred to in Article (2) of the Law Regulating the Use of Non-Cash Payment Means, issued by Law No. 18 of 2019, are obligated to settle the following payments using non-cash payment means, whenever their value exceeds the limits specified below for each:

Maximum Cash Payment Limit	Payments
Egyptian pounds	Dues of employees, contractors, service providers, and other non-employee contractors paid by state authorities or agencies, public legal persons, or companies in which the State owns all or the majority of the capital.
Five thousand Egyptian pounds	Dues of employees, contractors, service providers, and other non-employee contractors paid by private legal persons and establishments of all types.
One thousand Egyptian pounds	Cash financing.
One thousand Egyptian pounds	Profits resulting from participation in company capital or investment funds.
Five thousand Egyptian pounds	Dues of syndicate members.
Five thousand Egyptian pounds	Dues of buyers in private insurance funds and insurance compensation.
Five thousand Egyptian pounds	Disbursement of grants and donations by associations and institutions working in the field of civil society, or other legal persons or establishments of all types.

Article (4)

State authorities and agencies, public legal persons, or private establishments that provide public services to the public or manage public utilities are obligated to make non-cash payment acceptance means available to their counterparties at all service fee collection points, without additional cost, in the following entities and services:

(a) Universities, higher education institutes, and private schools.
(b) Electricity.
(c) Drinking water.
(d) Natural gas.
(e) Fuel stations.
(f) Telecommunications (such as landline, mobile, leased lines, and internet).
(g) Air and sea transport, metro, and land passenger transport services using information technology.

This includes collection points managed by the entity through its branches, website, collection agents at the workplace, or any other points made available in the future.

This does not prejudice the right to collect an additional fee for making the aforementioned services available via electronic means if the service is chosen to be delivered to the recipient.

Article (5)

The following payments shall be collected using non-cash payment means, whenever their value exceeds the limits specified below for each:

Maximum Cash Collection Limit	Payments
Five thousand Egyptian pounds	Taxes, customs, fees, and fines.
Five thousand Egyptian pounds	Service fees, amounts, and government claims due to the entities specified in Article (4) of the Law Regulating the Use of Non-Cash Payment Means.
Five thousand Egyptian pounds	Fixed expenses collected by universities, higher education institutes, and private schools.
Five thousand Egyptian pounds monthly	Electricity consumption fees.
Five thousand Egyptian pounds monthly	Drinking water consumption fees.
Three thousand Egyptian pounds monthly	Natural gas consumption fees.
One thousand Egyptian pounds monthly	Telecommunications service fees (such as landline, mobile, leased lines, and internet).
One thousand Egyptian pounds	Fuel consumption fees.
Ten thousand Egyptian pounds	Air and sea transport.
Five thousand Egyptian pounds	Metro subscriptions.
Five thousand Egyptian pounds	Land passenger transport services using information technology.
Five thousand Egyptian pounds	Cash financing installments, insurance installments, and subscriptions to private insurance funds.

Article (6)

State authorities and agencies, and public legal persons that deal with the public may, with the approval of the Minister of Finance, grant counterparties incentives for payment via non-cash payment means, specifically as follows:

(a) Granting a discount on the value of dues owed not exceeding (5%) of their value.
(b) Refunding a portion of the value of amounts paid via these means not exceeding (3%) of their value.
(c) Implementing points or rewards programs that include granting financial or in-kind benefits, not exceeding (5%) of the value of amounts paid via these means.

Article (7)

A dedicated account shall be established within the unified Treasury account of the Ministry of Finance, to which the proceeds of fines imposed under the provisions of the aforementioned Law Regulating the Use of Non-Cash Payment Means shall be allocated, for the purpose of funding efforts to develop the infrastructure of non-cash payment means in government entities, and raising public awareness of these means. Any surplus from the funds of this account shall be carried forward from one financial year to the next.

The management of the account shall be entrusted to a committee chaired by the Minister of Finance, with members representing the Central Bank, and the ministries of Finance, Planning and Economic Development, and Communications and Information Technology. The committee shall convene at least once every three months and shall submit an annual report on its activities for presentation to the National Payments Council.

Disbursements from this account shall be made in accordance with a financial regulation issued by a decision of the Minister of Finance, or his delegate, after obtaining the approval of the committee specified in the second paragraph of this Article.

Deposit number at the National Library 2020/65
General Authority for Affairs, State Printing Press 2020/2534
1433 2020/9/14