Personal Banking FAQs

The update will bring three new features/enhancements which are:

1. Resetting the PIN via Smart Wallet App in case you forgot it or your wallet gets locked without the need to contact the call center.
2. Displaying the receiver’s name before the execution of a money transfer transaction and on the transaction’s history to increase the level of security for our customers.
3. Online Card disclaimers to provide customers with essential information about the types of Online Cards and the fees applied.

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• Enter the amount to be withdrawn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

CIB and non-CIB customers:

• Visit your nearest CIB branch or Smart Wallet authorized agent.
• 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 and 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.

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 and 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.

• Via CIB Internet and Mobile Banking channels:

•  Log into your Internet or Mobile Banking account.
•  Click on the “Requests” tab.
•  For Mobile Banking: Select "Other Requests" then "Manage Smart Wallet"

            For Internet Banking: Select "Manage Smart Wallet"

•  Choose “Open a CIB Wallet” from “Application type.”
•  Enter your mobile number.
•  Enter your National ID number.
•  Enter your National ID expiration date.
•  Choose CIB card type.
•  Enter CIB card number, expiration date, and card name.
•  Click “Submit.”
•  Click “Confirm” when the confirmation message appears.
•  You will receive an SMS that contains a download link and an activation code.
•  Download the CIB Smart Wallet app from either the App Store, Google Play, or Huawei AppGallery.
•  Enter your registered mobile number, read and accept the terms and conditions, then enter the activation code sent to you via SMS.
•  Create a six-digit PIN.
•  Your Smart Wallet will then be activated and ready to be used.

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