Personal Banking FAQs

• 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.

If you forget your username, follow the below steps:

1. Call 19666
2. Select 3 (Technical support)
3. Select 1 (Retrieve username)
4. Enter the active debit/credit card 16 digits number
5. Enter the card’s 4 digits PIN code
6. Username will be sent via SMS on your registered mobile number

• Home Currency option gives you the capability of viewing your balances in your preferred currency.
• You can change your Home Currency from the Internet Banking Home Page:

1. Go to “Settings”
2. Then “Profile Settings”
3. Click on Change currency.

• Home Currency option gives you the capability of viewing your balances in your preferred currency.
• You can change your Home Currency from the Internet Banking Home Page:

1. Go to “Settings”
2. Then “Profile Settings”
3. Click on Change currency.

1. Click on “Forgot/Reset Password” through the app, and fill in the below:

• Username: Input your Online Banking username.
• New password
• New password Confirmation
• Debit/Credit Card Number
• Debit/Credit Card PIN
• Then click on “Next”.

1. Click on “Forgot/Reset Password” through the app, and fill in the below:

• Username: Input your Online Banking username.
• New password
• New password Confirmation
• Debit/Credit Card Number
• Debit/Credit Card PIN
• Then click on “Next”.

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

In order to perform a third party transfer outside your own accounts, you have to set up your third party payment beneficiary first. This can be done through the following:

1. From the Internet Banking home page
2. Select “Money transfers”
3. "Payments to Others”
4. Click on “Add New” and set up your beneficiary
5. From the Internet Banking home page
6. Click “Edit” in the quick pay widget
7. It will direct you to the Payments to others page
8. Click on “Add New” and set up your beneficiary

You will also need a One Time Password (OTP) generated from either hard token or soft token to authenticate your third party payments.

In order to perform a third party transfer outside your own accounts, you have to set up your third party payment beneficiary first. This can be done through the following:

1. From the Internet Banking home page
2. Select “Money transfers”
3. "Payments to Others”
4. Click on “Add New” and set up your beneficiary
5. From the Internet Banking home page
6. Click “Edit” in the quick pay widget
7. It will direct you to the Payments to others page
8. Click on “Add New” and set up your beneficiary

You will also need a One Time Password (OTP) generated from either hard token or soft token to authenticate your third party payments.