Personal Banking FAQs

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.

1. Download the app from your mobile’s app store (Google Play or App Store)
2. Select your bank account that is registered with your mobile number
3. Create an IPN account and set a PIN that will only be accessible through your mobile device

A pending transfer means the beneficiary’s bank hasn’t confirmed crediting the amount to the beneficiary’s account. InstaPay will update the transfer status to either “successful” or “rejected” within a few minutes of the transaction. You can check the transaction status from the app’s transaction history.

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.

IPN is an instant payment network that allows direct access to all accounts and real time instant fund transfer using your mobile device or desktop. The transactions can be processed through approved apps such as InstaPay, owned by EBC.

InstaPay is the first payment service provider application licensed by the Central Bank of Egypt (CBE) to operate through the Instant Payment Network, enabling instant transfers between banks 24/7. The CBE’s license entails full compliance of InstaPay with information security and data privacy legislations and requirements.

IPA stands for Instant Payment Address. It is a simplified address for your account, which can be used to send and receive cash transfers instead of a full bank account number or card details. Think of it as an email address that can be used to transfer money.

IPN PIN is a 6-digit number that is set by the customer per account upon successfully adding new accounts. IPN PIN is used for authenticating all transactions performed on the IPN network.