Personal Banking FAQs

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).

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

• Maximum daily transaction limit: EGP 60,000
• Maximum monthly transaction limit: EGP 200,000
• Maximum wallet balance: EGP 400,000
• The maximum weekly transaction deposit limit from your linked credit card is EGP 10,000
• The maximum monthly transaction deposit limit from your linked credit card is EGP 40,000
• The maximum daily/monthly transaction limits from your debit cards are shown below:

  	Classic (Visa/MasterCard), Loan Debit, and Youth cards	Titanium	Platinum Wealth, Platinum Private, VISA Platinum Business
  Maximum Daily Purchase and E-Commerce Limit	EGP 30,000	EGP 30,000	EGP 30,000
  Maximum Monthly E-Commerce Limit	EGP 50,000	EGP 100,000	EGP 100,00

The maximum allowed wallet balance is EGP 400,000.

• The maximum weekly transaction deposit limit from your linked credit card is EGP 10,000
• The maximum monthly transaction deposit limit from your linked credit card is EGP 40,000
• The maximum daily/monthly transaction limits from your debit cards are shown below: The maximum daily/monthly transaction limits from your debit cards are shown below:

  	Classic (Visa/MasterCard), Loan Debit, Youth, and Prime ME cards	Titanium	Platinum Wealth, Platinum Private, VISA Platinum Business
  Maximum Daily Purchase and E-Commerce Limit	EGP 30,000	EGP 30,000	EGP 30,000
  Maximum Monthly E-Commerce Limit	EGP 50,000	EGP 100,000	EGP 100,00

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:

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.

• On your Smart Wallet app, issue an online card with your desired amount (local currency), making sure that the amount is available in your wallet.
• At the checkout page of any local website or app, select the payment option “Cards or MasterCard”.
• Enter the card details (card number, amount, expiry date, and CVC) at the checkout page to proceed with the payment.

You can issue an online card through your Smart Wallet. An online card (local currency) is a single-use or multi-use (upon your request), virtual card loaded with the desired amount of money to be used on any website or app.

Through the Smart Wallet app:

• Select “Online Card.”
• Select “Generate New Card.”
• Enter the desired amount (in local currency) to assign to your card.
• Enter your PIN.

• A single-use online card is a one-time card that will expire within 24 hours or upon making your first transaction on any local website (with local currency).
• The multi-use online card can be used for up to 3 transactions a month. The multi-use online card will expire immediately after the month ends or immediately after the 3 transactions are executed.

• Please contact the Smart Wallet Customer Care line at 19716 to suspend your wallet.
• Perform a SIM card swap.
• Contact the Customer Care line again to reactivate your wallet.
• You will receive an activation SMS.
• Your wallet can then be used normally using your new PIN.