The calculation of the loan depends on the following factors:
- Principle Loan Amount: the value of the loan that a customer borrows.
- Personal Loan Interest Rate: the interest rate that the bank will charge for the loan.
- Tenure of Loan: the period for which you borrow the loan.
Please refer to the loan calculator to calculate your installment.
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.
Public Section, no login required:
- Locate the nearest CIB branch and ATM, using Apple or Google maps navigation
- View the bank's social media links
- Contact CIB through e-mail or the call center
- View foreign exchange rates and the currency rate converter
- View Mobile Banking’s terms and conditions and FAQs.
Features requiring login:
- Account Details
- View your accounts, card details, loans, certificates of deposits and time deposits, and mutual funds’ balances
- You can check your statement history through Internet Banking
- Transfers between your own accounts
- Transfers to any CIB or other bank accounts, inside or outside Egypt (OTP Higher Authentication is required)
- Settle your credit cards
- Settle other CIB credit cards (OTP Higher Authentication is required)
- Charity payment (OTP Higher Authentication is required)
- Bank Requests
- Request new chequebooks
- Deactivate lost/stolen credit cards
- Dispute credit card transactions
- Change supplementary card limits
- Inquiries, suggestions and complaints
- Update contact information
- Token Activation
Transfers in Egyptian Pound inside CIB (No fees)
Transfers in Egyptian Pound outside CIB inside Egypt (Fees are waived):
- Commission:0.2% minimum EGP 40 - maximum EGP 350
Transfers in a foreign currency:
- Commission: 0.3% from the amount with a minimum of USD 20 - maximum USD 150
- Swift Charges: Equivalent to USD 10 through Online Banking.
- The charges are equivalent to USD 20 if executed through CIB branches
- Beneficiary Bank Fees: Based on the beneficiary bank's fees and charges. The USD equivalent is calculated upon execution and is based on CIB’s daily currency free market rate
If the transfer is conducted through IPN to one of the banks participating in the Instant Payment Network, the commission will be 0.2% with a minimum of EGP 10 and a maximum of EGP 50 (Fees are waived)
Meeza wallet transfers through Internet or Mobile banking is free of charge
Transfers in Egyptian Pound inside CIB (No fees)
Transfers in Egyptian Pound outside CIB inside Egypt (Fees are waived):
- Commission:0.2% minimum EGP 40 - maximum EGP 350
Transfers in a foreign currency:
- Commission: 0.3% from the amount with a minimum of USD 20 - maximum USD 150
- Swift Charges: Equivalent to USD 10 through Online Banking.
- The charges are equivalent to USD 20 if executed through CIB branches
- Beneficiary Bank Fees: Based on the beneficiary bank's fees and charges. The USD equivalent is calculated upon execution and is based on CIB’s daily currency free market rate
If the transfer is conducted through IPN to one of the banks participating in the Instant Payment Network, the commission will be 0.2% with a minimum of EGP 10 and a maximum of EGP 50 (Fees are waived)
Meeza wallet transfers through Internet or Mobile banking is free of charge
Yes. The card operates exactly like any regular debit card. It can be used for ATM withdrawals, physical purchases, and online transactions. The card is secure and fully functional as a regular debit card.
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:
- Only English letters are allowed
- The answer should be not less than 3 characters.
- 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.