Personal Banking FAQs

If you are a CIB Smart Wallet user:

• Withdraw the money in your wallet
• Visit the nearest CIB branch to deactivate it, or visit this link: https://managewallet.meeza.eg/ and follow the deactivation process.

If you are not a CIB Smart Wallet user, visit this link: https://managewallet.meeza.eg/ and follow the deactivation process.

If your deactivation trial through the portal fails, you will have to visit your nearest CIB branch to submit a normal deactivation request if you are a CIB Smart Wallet customer. If you are not a CIB Smart Wallet customer, you will have to refer to the other wallet provider to complete your un-registration process.

This service is no longer available on CIB Online Banking. However, you can amend (add a card /remove a card/replace a card) the card attached to Smart Wallet through visiting the nearest CIB-Egypt branch.

Notes:

• You can choose up to two CIB cards to link to your CIB Smart Wallet.
• In case of adding a new card, the customer has the option to choose whether to add the new card as replacement for an existing card or for all existing cards linked to SW (if the customer’s wallet is linked to two cards).

To update your CIB Smart Wallet app, follow these steps:

1. Open CIB Smart Wallet app from the operating store related to your device (App Store or Google Play or Huawei AppGallery).
2. Tap on “Update”

You can also review the date of the latest release on the store, as some devices automatically update the app.

• Android devices with Android OS 5 or above
•  Apple devices with iOS 13 or above

Use your wallet to perform any financial transaction, including deposit/withdrawal, bill payments, sending money, purchasing via QR code or issuing an Online Card.

*If you did not update your Smart Wallet app, please make sure to follow these steps to update it:

For Android/Huawei users:

1. Delete the existing CIB Smart Wallet app from your phone
2. Re-download the app from Google Play or Huawei AppGallery
3.  Enter your mobile number that is registered to CIB Smart Wallet
4. Enter the activation code you will receive on your phone in an SMS
5. Set a new wallet PIN to log in

For iOS users:

1. Open CIB Smart Wallet from the App Store
2. Tap ‘Update’
3. Enter your mobile number that is registered to CIB Smart Wallet
4. Enter the activation code you will receive on your phone in an SMS
5. Set a new wallet PIN to log in

CIB customers:

You can load your Smart Wallet using either of the following methods:

1. Link your CIB card to your Smart Wallet when you visit any CIB branch

You can link any CIB debit, credit, or prepaid card to your Smart Wallet. CIB customers can register a maximum of two CIB cards per mobile number.

• A CIB staff member will enter your Smart Wallet number and card details and then insert an alias.
• You can then select “My Cards” on the application.
• Select the card that you wish to add money from.
• Enter the desired amount.
• Enter your PIN.
• You will have successfully added money to your Smart Wallet.

Please note that the cost of loading the Wallet via Credit Card is 2% from the amount with a minimum of EGP 5, deducted from the Credit Card.

2. Transfer cash from your Online Banking account to your Smart Wallet:

• Log into your Mobile or Internet Banking account.
• Go to the “Transfers” tab.
• Select “transfer outside CIB”.
• Select “New Beneficiary”.
• Choose beneficiary type “Individual”.
• Then Enter the personal information of the customer that include First Name, Middle Name and Last Name all of them should be in English.
• Enter your mobile wallet number in the field of Account number or IBAN or Mobile number.
• Beneficiary Address (noting that must not be in Arabic or special characters and must not more than 140 characters.
• Choose “Mobile Wallet Payment” from Bank’s name field.
• Then choose “headquarter in all governorates” in Branch name field then press continue.
• Then choose your bank account you wish to transfer from.
• Enter the Amount you want to transfer.
• Then enter the purpose of the transfer noting that the answer should fulfill the following criteria:

1. Only English letters are allowed
2. The answer should be not less than 3 characters.
3. Special characters cannot be used.

• Then choose whether “transfer once” or save and transfer”.

Both CIB and non-CIB customers:

You can load your Smart Wallet using any of the following methods:

ATMs: Any ATM in Egypt that offers cardless services or has the “Meeza” digital logo

• On the Smart Wallet app, tap “Deposit”
• Tap “ATM Deposit”
• Enter the deposit amount to generate the OTP
• Enter the PIN to confirm the transaction
• OTP will be generated
• At the ATM, tap the “Cardless Services” tab on the ATM’s screen to start
• Select “Smart Wallet”
• Select “Deposit”
• Enter your wallet number
• Enter the OTP extracted from the app
• Enter the amount you wish to deposit
• A notification will be sent to confirm that the transaction was successful. You will also be able to check your balance

CIB Smart Wallet Banking Agent

• Visit any CIB Smart Wallet agent.
• Inform the agent that you need to make a cash deposit.
• Provide the agent with your wallet number.
• Give the agent the desired amount of money you wish to add to your wallet.
• The agent will then select the “Smart Wallet” tab.
• The agent will select “Deposit”.
• The agent will enter your wallet number and the amount.
• You will receive a notification on your mobile requesting confirmation.
• Enter your mobile wallet PIN to confirm.
• The POS will print two receipts.
• You will receive a receipt detailing the transaction, and you will be able to check your wallet’s balance.

The Smart Wallet is free of charge. There are no monthly, annual, or maintenance fees for this service.

However, please keep in mind that there are separate fees for each transaction you make. For example, if you use your Smart Wallet to transfer money, issue online cards, and more, additional fees may apply.

You can also find the list of service fees on the Smart Wallet application when you click on “Services Information” from the menu.

Please see the price list below or visit the CIB website for more information.

Smart Wallet Price List:

• Pay your internet, mobile, electricity, water, and gas bills through your Smart Wallet.
• Recharge your mobile credit or anyone else’s from the telecommunications company of your choice (Vodafone, Etisalat, Orange, or WE).     
•  Donate to any organization or charity found on CIB Smart Wallet.

The first time you download the application, you can watch tutorials on the different services provided by the Smart Wallet. To learn more, log into your wallet, click on the side menu icon, then select “Service Information”.

You will find a description of each service, its fees, and a URL link to its educational video.

You can also visit the CIB website (www.cibeg.com) for more information.

When making a transfer, you will be able to view all the transaction’s details, and you will be asked to confirm the validity of the information before the transaction is processed. Once you confirm the transaction, CIB will not be able to reverse it.

To return the money to your wallet, you will need to contact the recipient wallet’s owner to return the money. The Bank will not be required to return the funds.

CIB’s Smart Wallet is a mobile application that enables you to do the following:

• Pay all your bills, top-up your mobile credit, donate to various organizations, etc.
• Send and receive money from your wallet to any other wallet in Egypt.
• Withdraw or deposit money via any ATM in Egypt or any CIB Smart Wallet authorized agent.
• Shop from any brand that has the “Meeza Digital” logo by scanning the merchant’s QR code.
• Issue online cards with any desired amount that can be later used for making online purchases

Authorized Banking Agent:

• You can go to any authorized banking agent to withdraw money from your Smart Wallet.
• Head to the nearest CIB Smart Wallet banking agent outlet
• On the Smart Wallet app, tap “Withdraw”
• Click on “Agent Withdrawal”
• Enter the withdrawal amount to generate an OTP
• Enter the PIN to confirm the transaction
• OTP will be generated.
• Give the OTP to the agent to complete the withdrawal transaction
• The agent will confirm the withdrawal request and the POS will print two receipts
• You will then receive your cash and a copy of your receipt

Through an ATM:

• On the Smart Wallet app, tap “Withdraw”
• Click on “ATM Withdrawal”
• Enter the withdrawal amount to generate an OTP
• Enter the PIN to confirm the transaction
• OTP will be generated
• Enter the OTP on the ATM screen to complete the withdrawal transaction
• At the ATM, Select “Cardless Services”
• Select “Smart Wallet”
• Select “Cash Withdrawal”
• Enter your mobile number
• Enter the OTP extracted from your Smart Wallet app
• Enter the amount to be withdrawn
• Your transaction will then be completed and you will receive your cash