There is no limit to how many of your accounts you can link. However, all the accounts you want to link must have the same mobile number registered to them or they will not show in your choices.
- Download the app from your mobile’s app store (Google Play or App Store)
- Select your bank account that is registered with your mobile number
- Create an IPN account and set a PIN that will only be accessible through your mobile device
Each app allows you to create one IPA for each account, which means you can have any number of IPAs based on the number of accounts you have at different banks and the number of IPN apps used.
InstaPay is the first payment service provider application licensed by the Central Bank of Egypt (CBE) to operate through the Instant Payment Network. As such, the app employs a customer information security system against the risks of irresponsible use of or unauthorized access to this information.
By sharing your IPA or mobile number or initiating a collect request.
IPN allows customers to send money through the following channels:
- InstaPay app, owned by EBC
Please go to store to download mobile application to start enrollment process
Confidential data is defined as your card number, PIN and OTP, submitted during onboarding, and your IPN’s PIN submitted either during logins or during transaction authentication processes.
All the above confidential data are encrypted between you and CIB by implementing end-to-end encryption. Thus, InstaPay has no access, rights or ability to obtain or store such confidential data.
InstaPay will inform you of the transaction status instantly. The status can be one of the following:
- Successful Transaction: The transfer amount is credited to the beneficiary’s account.
- Rejected Transaction: The transfer was rejected and the transfer amount is reversed to your account.
- Pending Transaction: The transaction is sent to the beneficiary’s bank to be executed, but the bank hasn’t confirmed crediting the transfer amount to the beneficiary’s account. The transaction status will be updated shortly to either “successful” or “rejected”.
InstaPay is licensed and regulated by the Central Bank of Egypt (CBE) as an authorized payment service provider. The CBE’s license guarantees the maximum level of data security and consumer data protection, and ensures that all InstaPay’s operations and processes are fully compliant with the CBE’s legislations.
The money you will receive will be sent to your chosen default account.
If the transaction status on InstaPay is “successful,” this means that the amount was successfully credited to the beneficiary’s account. Please provide the beneficiary with the transaction’s reference number to check the issue with their bank.
Whenever a transaction is declined on InstaPay, CIB will automatically reverse the transaction to your bank account immediately. In case the transaction is not reversed, please
contact CIB’s customer service at 19666 and provide them with the transaction’s reference number to track it.
InstaPay guarantees the quality of the service; however, other parties and factors involved in the transaction’s success, such as network connectivity and member banks’ services, may impact quality.