• Log in to your Online Banking account
  • Click on “Transfers” on the home page
  • Click on “View All” under “Saved Transfers” section
  • Choose the beneficiary and click on the pen icon to edit the beneficiary or the transfer amount
  • Alternatively, click on the delete icon to remove the beneficiary

The Equal Payment Plan (EPP) is a flexible program that allows you to pay for your transactions in equal monthly payments instead of paying in full. This makes it easier for you to manage your monthly expenses.

CIB provides you with a diverse range of installment plans that suit your needs, such as:

  • You can install any credit card transaction: (with a competitive interest rate) by calling 19666 from your registered mobile number or through the Mobile Banking app.
  • Credit Card Cash Transfer: You can transfer cash to your account from the credit card balance. This service can be requested through the Internet Banking service or using your mobile phone by calling 19666, or via the Mobile Banking app.
  • Installment Plans with Competitive Interest Rates at participating merchants.
  • Installment Plans with Zero Interest at participating merchants.
  • To know merchants subscribed in Equal Payment Plan Program, please visit the following link: https://cib.eg/k0l.
  • Balance Transfer: you can settle credit card balances at other banks using your available credit limit, with a low interest rate and no transfer fee. This service can be requested through your mobile phone by calling 19666.
Yes, you can enroll in any transaction with a minimum amount of EGP 500, whether it is a purchase or a cash withdrawal with available tenor ranges from 3 months to 60 months. Enrollments can be accepted only if the transactions are still before their due date, the value of the transaction is within the card limit, you are in good standing with no arrears, and the full transaction value should be available for installment. This could be done from our contact center at 19666 or the Mobile Banking app. After submitting the request, it will be reviewed within 24 hours, and you will receive a notification if approved. Also, you can follow up on the case from the Mobile Banking app.
  • Log in to your Online Banking account
  • Click on “Credit Cards” under “Cards” section on the home page
  • Select the credit card
  • Click on “Limit Increase” 
  • Check the box to agree to the terms and conditions and click on “I Agree”
  • Review the request summary, then click on “Confirm” button
  • Request submitted successfully
  • Log in to your Online Banking account
  • Recently submitted requests will be shown at the bottom of the Home Page, and you can access all of them by clicking on “view all”
  • Alternatively, click on “More” button or “profile” at the top of the page, then choose “Requests Center” and select “Request History”
  • Log in to your Online Banking account
  • The "Related Accounts" section will appear on the home page with the related account names
  • Click on “Switch” 
  • You will enter the related account mode, allowing you to act on behalf of the accessed related account and make third-party transfers using your main account's activated OTP.
  • Log in to your Online Banking account
  • Click on “Credit Cards” under “Cards” section on the home page
  • Select the credit card
  • Click on “Manage Direct Debit” 
  • Choose the direct debit account
  • Choose the direct debit amount (5% minimum amount or 100% full amount)
  • Click on “Continue” 
  • Review the request details, then click on “Confirm” 
  • Request submitted successfully
  • Log in to your Online Banking account
  • Click on “Credit Cards” under “Cards” section on the home page
  • Select the credit card
  • Click on “Show My Transactions” under “My Transactions”
  • Click on “Filter” 
  • Filter by date or amount range, then click on “Apply” 
  • Then, click on “Export” 
  • Choose the needed format to download transactions, then click on “Download” button
  • Log in to your Online Banking account
  • Click on “Transfers” on the home page
  • Choose the transfer type or select the beneficiary
  • Click on “Transfer” 
  • Click on “Schedule” next to the transfer amount
  • Select the transaction date
  • Click on the “Toggle” button next to “Recurring Transfer”
  • Select the recurring frequency
  • Set the end date, if needed
  • Click on “Continue” and follow the remaining transfer steps
  • Log in to your Online Banking account
  • Click on “Accounts” under “Savings & Investments” section
  • Select the account
  • Click on the “View All” next to “Transactions”
  • Click on “Filter” 
  • Filter by date or amount range, then click on “Apply” 
  • Then, click on “Download Transactions” 
  • In case you want to change the filter data, choose clear all
  • Choose the needed format to download transactions, then click on “Download” 
  • You can activate the biometrics feature during your first login or by clicking on “Profile” at the top of the page
  • Click on the “Toggle” button next to “Login using the biometrics feature”
  • Check the box to agree to the terms and conditions
  • Click on “Activate Now”
  • Enter your current password, then click on “Continue”
  • Enter the OTP received via SMS on your registered number
  • Biometric feature activated successfully
  • Log in to your Online Banking account
  • Tap the “Add Icon (+)” next to the “Cards” section on the home page
  • Click on “Credit Cards”
  • Choose between the offered credit card types
  • Click on “Apply Now”
  • Choose the type “Secured Card” or “Unsecured Card”
  • Check the box to agree to the terms and conditions and click on “I Agree”
  • Click on “Confirm”
  • Review the request summary, then click on “Confirm” button
  • Credit Card request submitted successfully
  • Login to your Online Banking account
  • Click on “Transfers” from the home page
  • Choose the type of transfer you need to perform
  • Click on “New Beneficiary”
  • For an Inside CIB beneficiary, enter the account number or IBAN number
  • For an outside transfer, enter all required beneficiary and bank details
  • Choose “Save Beneficiary & Close”
  • Create a nickname for the beneficiary, select the sending account, then click on “Save Beneficiary”
  • Enter the OTP from your activated CIB OTP token app
  • Beneficiary added successfully
  • Log in to your Online Banking account
  • Tap on “Add Icon (+)”, next to the “Loans” section
  • Click on “Overdraft”
  • Check the features and benefits of Overdraft, then click on “Apply Now”
  • Choose type of Overdraft, the amount and the purpose of requesting an Overdraft
  • Click on “Confirm”
  • Review the Overdraft Summary
  • Read the terms and conditions
  • Check the box to agree to the terms and conditions
  • Click on “Confirm”
  • A success screen will appear with a unique reference number for your request
  • Log in to your Online Banking account
  • Click on “Credit Cards” under “Cards” section on the home page
  • Select the credit card that has a supplementary limit
  • Choose the required supplementary credit card
  • Click on “Change Credit Limit” 
  • Select the change limit type, either customer or total credit limit
  • For a custom limit, enter the amount
  • Click on “Continue” 
  • Check the box to agree to the terms and conditions, then click on “I Agree”
  • Review the request summary, then click on “Confirm” 
  • Request submitted successfully

1. Osoul Fund

Low-Risk

A low-risk money market fund that offers short to medium-term liquidity with accumulated daily returns.

Investment Type: Invests in Treasury Bills and Time Deposits.

Subscription and Redemption:

  • Daily subscription and redemption.
  • 0.1% subscription fee with a minimum of EGP 50.

Investment Tenor: Short to medium-term.

Minimum Subscription: 1 unit.

2. Istethmar Fund

High-Risk

Your simplest way to access the Egyptian Stock Exchange.

Investment Type: Equity Fund (Stocks registered on the Egyptian Stock Exchange- EGX).

Subscription and Redemption:

  • Daily subscription (except on the last working day of the week).
  • Weekly redemption on the first working day of the week.
  • 0.25% subscription fee.

Investment Tenor: Long-term.

Minimum Subscription: 1 unit.

3. Aman Fund

High-Risk

An Islamic Equity Fund. Your way to Sharia compliant investment in the Egyptian Stock Exchange.

Investment Type: A Variety of Sharia-compliant stocks in industrial, production and service sectors, in addition to Sukuk.

Subscription and Redemption:

  • Daily subscription (except on the last working day of the week).
  • Weekly redemptions on the first working day of the week.
  • 0.25% subscription fee / and 0.25% redemption fee.

Investment Tenor: Long-term.

Minimum Subscription: 1 unit.

4. Thabat Fund

Low-Risk

A fund of diversified fixed-income instruments.

Investment Type: Invests in fixed-income instruments (Treasury Bonds and Corporate Bonds).

Subscription and Redemption:

  • Daily subscription with monthly redemption on the first working Sunday of each month.
  • 0.1% subscription fee with a minimum of EGP 50.

Investment Tenor: Medium- to long-term.

Minimum Subscription: 1 unit.

5. Takamol Fund

Medium-Risk

Combine the growth of Egyptian equities with the stability of fixed income investments.

Investment Type: Mix of fixed income instruments and stocks of companies listed on the Egyptian Stock Market.

Subscription and Redemption:

  • Daily subscription with weekly redemption on the first working day of the week.
  • 0.1% subscription fee with a minimum of EGP 50.

Investment Tenor: Long-term.

Minimum Subscription: 1 unit.

  • Click on “Register Now” on the Login Page
  • Choose your preferred registration method
  • Fill in the following field and click on “Continue”
  • Create a unique username and password according to the set criteria
  • Enter CAPTCHA shown on the screen
  • Read the terms and conditions
  • Check the box to agree to the terms and conditions, then click on “Create Account”
  • As a second factor of authentication, enter the OTP sent to your registered mobile number
  • Registration is successful
  • Click on “Login”
  • Enter the username and password to log in to your account

The Related Accounts feature allows you to manage the accounts of your loved ones and necessary individuals without requiring their usernames or passwords. You can access these Related Accounts from your own account by submitting a request, which will then be processed by our team

  1. Log in to your Online Banking user
  2. Click on “Profile” icon
  3. Choose “Related Accounts”
  4. Click on “Add New Related Account” 
  5. You will find a quick brief of the service. Click on “Continue” 
  6. Fill in the required details:
    • Customer name
    • Relation type (Grant, Joint, Minor, Power of attorney)
    • Date of birth (in case of Minor)
    • Related account number
    • Notes (Optional)
  7. Click on “Continue” 
  8. Review the request details
  9. Check the box to agree to the terms and conditions after reading them
  10. Click on “Confirm Request” 

Your request will be submitted successfully and will be verified by the bank before being added as a related account.


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