Personal Banking FAQs

1. Log into your Internet or Mobile Banking account
2. Click the “Requests” tab
3. Choose “Apply for Loan or Card”
4. Enter National ID
5. Select the desired product you are applying for (loan or credit card)
6. If applying for a credit card, select the desired credit card type. If applying for a loan, enter the requested amount
7. Enter net monthly income
8. Enter employer’s name
9. Enter job title
10. Read the terms and conditions
11. Check the box to agree to the terms and conditions 
12. Click “Submit”
13. Click “Confirm” once the confirmation message appears 

Note: A bank representative will get back to the customer within one business day.

Customer to provide signed documents in case of the application approved.

• Log into your Internet or Mobile Banking account
• For Mobile Banking: Select “Products” then “Apply for Loan or Card”

           For Internet Banking: Select “Requests” then “Apply for Loan or Card”

• Enter your National ID number
• Select the desired product you are applying for (loan or credit card)
• If you’re applying for a credit card, select the desired credit card type. If you’re applying for a loan, enter the requested amount
• Enter net monthly income
• Enter employer’s name
• Enter job title
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Press “Submit”
• Press “Confirm” once the confirmation message appears

Note: A bank representative will get back to the customer within one business day.

Customer to provide signed documents in case of the application approved.

• Log into your Internet or Mobile Banking account
• For Mobile Banking: Select “Products” then “Apply for Loan or Card”

           For Internet Banking: Select “Requests” then “Apply for Loan or Card”

• Enter your National ID number
• Select the desired product you are applying for (loan or credit card)
• If you’re applying for a credit card, select the desired credit card type. If you’re applying for a loan, enter the requested amount
• Enter net monthly income
• Enter employer’s name
• Enter job title
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Press “Submit”
• Press “Confirm” once the confirmation message appears

Note: A bank representative will get back to the customer within one business day.

Customer to provide signed documents in case of the application approved.

Transfers in Egyptian Pound inside CIB (No fees)

Transfers in Egyptian Pound outside CIB inside Egypt (Fees are waived):

• Commission:0.2% minimum EGP 40 - maximum EGP 350

Transfers in a foreign currency:

• Commission: 0.3% from the amount with a minimum of USD 20 - maximum USD 150
• Swift Charges: Equivalent to USD 10 through Online Banking.
• The charges are equivalent to USD 20 if executed through CIB branches
• Beneficiary Bank Fees: Based on the beneficiary bank's fees and charges. The USD equivalent is calculated upon execution and is based on CIB’s daily currency free market rate

If the transfer is conducted through IPN to one of the banks participating in the Instant Payment Network, the commission will be 0.2% with a minimum of EGP 10 and a maximum of EGP 50 (Fees are waived)

Meeza wallet transfers through Internet or Mobile banking is free of charge

Transfers in Egyptian Pound inside CIB (No fees)

Transfers in Egyptian Pound outside CIB inside Egypt (Fees are waived):

• Commission:0.2% minimum EGP 40 - maximum EGP 350

Transfers in a foreign currency:

• Commission: 0.3% from the amount with a minimum of USD 20 - maximum USD 150
• Swift Charges: Equivalent to USD 10 through Online Banking.
• The charges are equivalent to USD 20 if executed through CIB branches
• Beneficiary Bank Fees: Based on the beneficiary bank's fees and charges. The USD equivalent is calculated upon execution and is based on CIB’s daily currency free market rate

If the transfer is conducted through IPN to one of the banks participating in the Instant Payment Network, the commission will be 0.2% with a minimum of EGP 10 and a maximum of EGP 50 (Fees are waived)

Meeza wallet transfers through Internet or Mobile banking is free of charge

• Balance: The current balance is the actual balance of the account at the beginning of the business day. It is the balance that is printed on bank statements.
• Available to Use: The amount of money in an account that is available for immediate withdrawals or any other type of use. It represents the difference between the account balance and any activity that has not yet been reflected on the account, such as pending deposits, cheques and withdrawals.

• Balance: The current balance is the actual balance of the account at the beginning of the business day. It is the balance that is printed on bank statements.
• Available to Use: The amount of money in an account that is available for immediate withdrawals or any other type of use. It represents the difference between the account balance and any activity that has not yet been reflected on the account, such as pending deposits, cheques and withdrawals.

To follow up on the status of your submitted requests*:

1. Log into your Internet Banking account
2. Go to the “Requests” tab.
3. Choose “Requests History” to see a list of all your submitted requests within the last 90 days which are marked under 3 categories as pending at the Bank side or approved or rejected.

*(This service is available on Internet Banking only and not available at the Mobile Banking Application)

If you enter your Online Banking password several times incorrectly, you will be locked out. In this case, please follow the below steps to unlock your user:

1. Call 19666
2. Select 3 (Technical support)
3. Select 1 (Activate username)
4. Enter the active debit/credit card 16 digits number
5. Enter the card’s 4 digits PIN code

Do not forget: Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lowercase letter, you may need to use your phone’s Shift key to change the default from uppercase. In addition, some phones require extra presses on the shift key to enter numbers instead of letters.

If you enter your Online Banking password several times incorrectly, you will be locked out. In this case, please follow the below steps to unlock your user:

1. Call 19666
2. Select 3 (Technical support)
3. Select 1 (Activate username)
4. Enter the active debit/credit card 16 digits number
5. Enter the card’s 4 digits PIN code

Do not forget: Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lowercase letter, you may need to use your phone’s Shift key to change the default from uppercase. In addition, some phones require extra presses on the shift key to enter numbers instead of letters.

• Log into your Internet or Mobile Banking account
•  Click on the “Requests” tab

        For Mobile Banking: Select “Statements & Documents” then “E-Statement Enrollment”

        For Internet Banking: Select “E-Statement Enrollment”

• Choose “E-Statement Enrollment”
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Press “Submit”
• Press “Confirm” once the confirmation message appears

1. Log into your Internet or Mobile Banking account
2. Click the “Requests” tab
3. Choose “E-Statement Enrollment”
4. Read the terms and conditions
5. Check the box to agree to the terms and conditions 
6. Click “Submit”
7. Click “Confirm” once the confirmation message appears

• Log into your Internet or Mobile Banking account
•  Click on the “Requests” tab

        For Mobile Banking: Select “Statements & Documents” then “E-Statement Enrollment”

        For Internet Banking: Select “E-Statement Enrollment”

• Choose “E-Statement Enrollment”
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Press “Submit”
• Press “Confirm” once the confirmation message appears

CIB's Mobile Banking App can be easily accessed on devices with the following hardware and software requirements:

• Camera (rear-facing)
• GPS
• Apple® iPhone® iOS 9.0 and higher
• Android TM-powered mobile devices with platform 6.0.0 and higher.