Thndr offers multiple top-up methods so you can choose the one that best fits your speed, convenience, and payment preference.
In this article, you’ll learn:
Key considerations before you transfer
Available top-up methods
Typical processing times
Fees and limits by method
What happens after you submit a request
Before You Top Up: Checks & Requirements
Before submitting a top-up request, it is essential to understand the core rules governing security, transfers, and processing times. Adhering to these policies ensures your money is added efficiently and remains compliant with local regulations.
Account Status Eligibility
You can initiate a deposit request only if your account status is:
Pending Review: You have completed account setup and submitted all required documentation.
Accepted: Your account is fully verified and active.
Use an Account in Your Own Name
Third-Party Transfers: All deposits must primarily come from a payment method registered in your own name. This is required to comply with anti-money laundering (AML) regulations. In cases involving a deposit request from a first-degree relative (parent, spouse, son, daughter, or sibling), contact support to request a Compliance team review to either accept the request or kickback the amount.
Available Top Up Methods in Egypt Market
Thndr offers a variety of channels so you can choose the option that is most accessible and convenient for your needs. Each method has specific characteristics regarding speed, fees, and how money is processed.
Instapay: Fast bank-to-bank transfers through the national instant payment network (IPN)
E-wallets: Top up instantly using any mobile wallet
Bank Transfer: Transfer from your Egyptian bank account using online banking, or branch transfer
Cash deposit: Deposit physical cash directly into Thndr’s bank account at any CIB branch
Debit Card: Use a supported Egyptian debit card for fast wallet top ups
Bank Restrictions for Debit Cards: While debit cards are a fast way to deposit money in your wallet, please note that Egyptian debit cards from the following banks are currently not supported due to restrictions imposed by the banks themselves:
Banque Misr
National Bank of Egypt (NBE)
QNB
Debit Card Fees: Debit card deposits carry higher fees compared to other top up methods. If you'd like to minimize costs, we recommend using Instapay or Bank Transfer instead
Important: While you can add funds from a variety of sources, withdrawals in the Egypt market are restricted to Egyptian bank accounts denominated in EGP. Transfers to accounts outside Egypt or in foreign currencies are not supported in the Egyptian market.
Steps to Confirm Your Top Up
After completing a transfer using any available top-up method, confirm it in the Thndr app so the funds can be matched to your wallet.
Open the Thndr app and tap the Wallet tile.
Tap Top Up (+).
Select the top up method used.
Enter the transfer details, including the transfer date and amount.
Tap Confirm Deposit.
The deposit processing timeline begins after the deposit request is confirmed in the app.
Compate Top Up Times, Fees, and Limits
Each top-up method has a different processing time, fee, and transaction limit. Use the table below to choose the option that best suits your needs.
Processing times listed in business days refer to working days only. Weekends, official holidays, and other non-working days are not included.
For example, if a top-up with a one-business-day processing time is submitted and confirmed on Friday, it will be processed on Sunday, provided that Sunday is not an official holiday.
Method | Processing Time | Fees | Limits |
Instapay | Usually within hours, up to 1 business day | Charged by Instapay (min EGP 0.5, max EGP 20) | Applied by Instapay (EGP 70k/trans, 120k/day, 400k/month) |
Vodafone Cash | Instant | 0.8% of transaction | EGP 60K/day
(applied by Vodafone)
|
E Wallets | Usually within hours, up to 1 business day | Applied by provider | Applied by provider |
Bank transfer | Usually within 1 business day | Your bank may charge fees (usually not exceeding 100 EGP) | No Thndr limit |
Cash deposit | Usually within 1 business day | Usually none | No Thndr limit |
Debit card | Instant | EGP 5 + 2% of transaction | EGP 100K per transaction |
Thndr Bank Account Details
Market | IBAN | Beneficary Name | Bank Name |
Egypt Market | EG100010009400000100044426476 | Thndr Securities Brokerage | Commercial International Bank of Egypt - CIBEEGCX094 |
UAE Market | AE350260007625851759512 | THNDR FINANCIAL LTD | Emirates NBD - EBILAEADXXX |
US Market | AE860260001025851759506 | THNDR FINANCIAL LTD CLIENT MONEY ACCOUNT | Emirates NBD - EBILAEADXXX |
FAQs
Can I invest immediately after topping up?
Once cash is credited to your wallet, they are generally ready to use for investing.
Which method is best for larger amounts?
Bank transfer is usually the most practical option
How long does it take for deposits to appear? Deposits are typically processed within one business day. For international transfers, allow up to three business days.
What should I do if my deposit hasn’t appeared after confirmation?
First, check that the top-up request was successfully confirmed in the Thndr app and that the entered amount is correct.
Each top-up confirmation must match a single transfer. Do not combine multiple transfers into one total amount. For example, if you make two InstaPay transfers of EGP 2,000 each, submit two separate top-up confirmations for EGP 2,000 rather than one confirmation for EGP 4,000.
If the applicable processing time has passed and the funds still do not appear in your wallet, contact Thndr support through the Help tile from the Hub tab in the bottom navigation bar.