What is Menthum and how does it work?

Menthum is Egypt's leading fintech platform for growing wealth by earning up to 2x traditional bank returns with FRA-licensed security. It offers tools like Money Wise for savings calculations and Spending Planner to manage monthly spending until your end-of-use age.

What countries does Menthum operate in?

Menthum currently operates in Egypt. The platform is regulated by the Financial Regulatory Authority of Egypt (FRA), and all investment products are focused on Egyptian financial markets, including Egyptian Treasury Bills, government Eurobonds, and the EGX 30 index.

Who is Menthum best suited for?

Menthum is best suited for individuals in Egypt who want a simple, accessible way to grow their wealth, whether they're just starting out or looking to optimize existing savings. It's designed for those who value clarity over complexity, offering products that range from everyday liquid savings to long-term equity investing.

Menthum

🇪🇬 Egypt

A fintech app for individuals and businesses in Egypt to save and invest in EGP money market funds, USD fixed income, goal-based savings, and EGX 30 index tracking.

Use it on:Web Android· 4.4 iOS· 4.7

Is Menthum right for you?

Best for

Egyptian savers
Businesses managing cash
Goal-based saving plans
EGP money market investors
USD income seekers

What it does well

EGP money market funds
USD fixed income investing
Goal-based savings pots
EGX 30 index tracking
Personal and business accounts

Things to check

Minimum deposit amount
Withdrawal speed
EGP vs USD options
Fund fees and charges
Business account features

Menthum is an Egypt-focused fintech app for individuals and businesses that offers digital savings and investment products as alternatives to traditional bank accounts, with products regulated by Egypt’s Financial Regulatory Authority (FRA).

Key capabilities include:

Menthum Core, a liquid EGP savings option powered by an EGP money market fund investing in Egyptian government Treasury Bills (T-Bills), with daily earnings and the ability to add or withdraw anytime (no lock-in period)
Menthum USD Fixed Income Fund, a USD investment option that invests in USD debt instruments such as Egyptian government Eurobonds, designed for medium to long-term dollar savings with full flexibility
Menthum Goals, goal-based saving with one-time or recurring deposits, progress tracking, and rewards tied to saving milestones
Menthum Grow Fund and Wealth+, which provide equity exposure by tracking the EGX 30 Capped Index (via a digital Systematic Investment Plan (SIP)) and a personalized debt-equity mix with automated rebalancing

Available on Android and iOS.

Built for consumers and businesses in Egypt that want app-based saving, USD fixed income investing, and index-linked equity investing with flexible deposits and withdrawals.

Notable in the Egyptian market for operating as an FRA-licensed platform with encrypted protection for money and data, and for offering multiple fund-based products (EGP liquidity, USD fixed income, EGX 30 tracking, and portfolio allocation) in a single mobile experience.

As of Jun 22, 2026, Menthum is rated 4.7 on the App Store from 67 reviews and 4.4 on Google Play from 1.7K reviews with 100K+ installs.

Phone:+20 2 37966063

Social Links:

Categories:

Fintech

Features & Business Model:

b2b2c investments multi-currency savings wealth-management