Personal Banking FAQs

• If it is a personal mobile number, please visit your telecommunication company’s branch with the registered owner of the mobile number and ask them to transfer the ownership of the line to you.

• If it is a business mobile number, ask your company’s delegate to fill out the form on the CIB Smart Wallet website and send it to the telecommunication company. The company will link the mobile number to your National ID. You may then register for CIB Smart Wallet normally.

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

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.

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.

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

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 or via CIB’s Online Banking platforms: 

• 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 Internet Banking or Mobile Banking account.
• Go to the “Transfers” tab.
• Select “Payments to Others”.
• Select “Add New” to add your Smart Wallet as a beneficiary.
• Select “Egypt” as the country, then select “Meeza Digital Network (Mobile Wallet Payments)” as the bank’s name.
• In the beneficiary account field, insert the mobile number linked to your Smart Wallet.
• Confirm payment and check your Smart Wallet balance.

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.

• 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.

You can add a new card or amend an existing one via your Online Banking account.

Online Banking (Mobile and Internet Banking)

• Log into your Internet or Mobile Banking account.
• Click the “Requests” tab.

1. For Mobile Banking: Select "Other Requests" then "Manage Smart Wallet"
2. For Internet Banking: Select: "Manage Smart Wallet'

• Choose “Amend an Existing Wallet” from the application type.
• Select the desired amendment (Add a card/remove a card/replace a card).
• Enter the mobile number registered to your wallet.
• Choose the amendment type.
• Enter your National ID number.
• Choose the CIB card type.
• Enter the CIB card number, expiration date, and card name.
• Click “Submit.”
• Click “Confirm” once the confirmation message appears.

Note:

• You can choose up to two CIB cards to link to your CIB Smart Wallet.

• The requested card will replace any cards linked to your CIB Smart Wallet. Requesting to link a card that is already linked to another wallet will be rejected.

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.

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.

Yes, through CIB ATM card-less services:

1. Touch the ATM screen to start
2. Select “Smart Wallet”
3. Select “Deposit”
4. Enter your Wallet number and password
5. Enter the desired amount you wish to deposit.

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: