Personal Banking FAQs

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 and non-CIB customers:

• Visit your nearest CIB branch.
• Fill out a registration form.
• The agent will process your data and enter it into the system.
• You will then receive an SMS with a download link and an activation code.
• Download the app from either the App Store, Google Play, or Huawei AppGallery.
• Enter your registered mobile number, carefully read the terms and conditions, click on "Accept" and then enter the activation code that was sent to you via SMS.
• Create a six-digit PIN (should not include any repetitive or sequential numbers).

Your Smart Wallet will then be activated and ready to be used.

Egyptian CIB Customers only:

•  SMS channel

•  Send your full National ID number in an SMS to 4435, followed by the last 4 digits of your CIB card and separated by a hashtag. Send the SMS from the mobile number you want to link to the  wallet. Example: 291234567890#1234.
•  Within three working days, you will receive an SMS that contains a download link and an activation code.
•  Download the app from either the App Store, Google Play, or Huawei AppGallery.
•  Enter your registered mobile number, carefully read the terms and conditions, click on "Accept" and then enter the activation code that was sent to you via SMS.
•  Create a six-digit PIN (should not include any repetitive or sequential numbers).
•  Your CIB card will be connected to your Smart Wallet within 7 working days.

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

First, check if the brand/merchant has a “Meeza Digital” logo.

Merchant-initiated payment:

•  Ask the cashier to make a purchase using their QR code.
• On your Smart Wallet application, select “Purchase” from the homepage menu.
• Select “Scan Merchant QR” and proceed to scan the QR code.
• The payment details will appear on your application (merchant name, transaction amount, etc.).
• Confirm the payment by pressing and holding the “Purchase” button.
• Your transaction will then be completed, and you will be provided with an invoice.

Customer-initiated payment:

• Ask the cashier to pay using your mobile wallet and ask for the 9-digit ID number.
• On your Smart Wallet application, select “Purchase” from the homepage menu.
• Select “Enter Transaction Details Manually.”
• Enter the merchant’s 9-digit number or choose it from your contact list.
• Enter the desired amount, and then enter the order number (optional).
• Press and hold the “Purchase” button to confirm.
• Enter your wallet PIN.
• Your transaction will then be completed. The merchant will receive an SMS with your payment details.

Request-to-Pay feature:

• The merchant will send you a request-to-pay notification on your mobile with the transaction details (merchant details, transaction amount, etc.).
• Review the transaction details.
• Enter your wallet PIN and press “Confirm.”
• Your transaction will then be transferred to the merchant successfully.