IPA stands for Instant Payment Address. It is a simplified address for your account, which can be used to send and receive cash transfers instead of a full bank account number or card details. Think of it as an email address that can be used to transfer money.
This depends on the responsible party that receives employees bank cards at
your workplace. In most cases, the HR department receives them on behalf of
employees.
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.
Yes, you can enroll in any transaction with a minimum amount of EGP 500, whether it is a purchase or a cash withdrawal with available tenor ranges from 3 months to 60 months. Enrollments can be accepted only if the transactions are still before their due date, the value of the transaction is within the card limit, you are in good standing with no arrears, and the full transaction value should be available for installment. This could be done from our contact center at 19666 or the Mobile Banking app. After submitting the request, it will be reviewed within 24 hours, and you will receive a notification if approved. Also, you can follow up on the case from the Mobile Banking app.
- Priority check-in at business class counters for EGYPTAIR flights
- Additional free checked baggage allowance (weight and size limitations as per EGYPTAIR baggage policy) when flying with EGYPTAIR
- 50% discount on last-minute business class upgrades at EGYPTAIR check-in counters (subject to availability)
- 25% discount on EGYPTAIR seat selection; including first row & exit seats purchased through EGYPTAIR sales offices and call center only
- 25% discount on pet fees on EGYPTAIR flights (purchased through EGYPTAIR sales offices and call center only)
- 10% discount on international EGYPTAIR flights (purchased through EGYPTAIR sales offices only)
- One free reservation change per ticket for reward tickets (tickets purchased using miles)
If you terminate any product on which you have available points, you will lose all the points earned on the canceled product.
Enrollment in the loyalty program is automatic. There’s no need to opt in.
The update will bring three new features/enhancements which are:
- 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.
- 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.
- Online Card disclaimers to provide customers with essential information about the types of Online Cards and the fees applied.
No, CIB Meeza cards can only be loaded from CIB ATMs.
Confidential data is defined as your card number, PIN and OTP, submitted during onboarding, and your IPN’s PIN submitted either during logins or during transaction authentication processes.
All the above confidential data are encrypted between you and CIB by implementing end-to-end encryption. Thus, InstaPay has no access, rights or ability to obtain or store such confidential data.
Customers can find the EPP dues through the call center or via E-statement through Internet banking.
Find the EPP Terms and Conditions here.
You can choose a new PIN through the following:
- Call 19666 from your registered phone number
- Phone Banking from your registered phone number
The request takes around 5 to 7 working days.
Yes, the bank has a program specifically for professionals. Please visit your
nearest CIB branch to inquire about the detailed required documents. The generic
requirements to apply are a valid ID and valid income proof, a valid syndicate ID,
and a clinic/pharmacy license.
In case the activation is via SMS, you’ll receive a confirmation message with the
activation then you need to visit nearest ATM to set the PIN code.
Yes, the required documents depend on your status either as a salary receiver or
professional. Please visit your nearest CIB branch to inquire about the detailed
requirements.
Yes.
You can view it in details through the following link: https://cib.eg/uec.
Our Overseas Client Advisors have access to assist you in shipping your cards to your registered mailing address outside Egypt. Download the Overseas Virtual Banking application and contact our advisors for more information.
*Bank tariffs apply.
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