Personal Banking FAQs

Member banks of the Instant Payment Network are integrated into the network to accept and execute customers’ instructions, based on their authorization. They are also licensed by the Central Bank of Egypt to allow InstaPay to process customers’ transactions.

Transfers via internet banking or swift cannot be done on Meeza prepaid card.

It's safe to use the credit card online when used with trusted merchants.

Yes, your personal information is safe with CIB Mobile Banking, which offers extensive security features to ensure that you can conduct your banking transactions in a safe and private online environment. The highest industry standards of security are applied to both Internet Banking and Mobile Banking.

Transaction limit: 50,000 EGP

Daily limit: 60,000 EGP

Monthly limit: 200,000 EGP

No, it is free of charge.

Yes:

1. Click on the account you wish to monitor,
2. Click on the round orange button
3. Choose “Account Statistics” to view graphs of your account balance, income vs. spending and a seven-day summary graph of your spending.Also remember that you can label your transactions by clicking on any transaction within the account activity and labeling it to your preference.

We currently have a basic Personal Financial Management (PFM) implemented that allows you to categorize your transactions. Click on the desired account on the home page –> click “View more” --> go to “My Money” tab. You can find a weekly and monthly summary graph displaying the debit and credit transactions related to your account. These transactions are categorized according to their labels (if you already labeled the transactions, they will all be displayed as “uncategorized”).You can also view a monthly pie chart categorizing all transactions according to their label and displaying the percentage of each transaction type with respect to the total transactions. In addition, you can track your account's daily balance.

Transaction limit: 50,000 EGP

Daily limit: 60,000 EGP

Monthly limit: 200,000 EGP

No, currently there is no minimum loading amount; the maximum loading amount is EGP 20,000. Note that the card balance cannot exceed EGP 20,000.For example: if the card balance is EGP 15,000, any deposit amount exceed EGP 5,000 will be rejected.

Interest on cash withdrawal is calculated daily from the day of the transaction, with rates starting from 2.59% to 2.99%, depending on the card type.

Yes, debit card activation should be done via the registered mobile number.

From Internet Banking home page:

1. Go to “Requests”
2. Click on Dispute Credit Card Transaction
3. Fill in the dispute form on your chosen credit card mentioning the reason of dispute.

Please contact your bank and provide the customer service agent with the transaction ID to investigate the matter.

Unfortunately, successful transaction cannot be reversed.

Please contact CIB’s customer service at 19666 and provide it with the transaction ID, so it can be investigated. Please note that all rejected transfers will be reversed instantly.

If the transaction status on InstaPay is “successful,” this means that the amount was successfully credited to the beneficiary’s account. Please provide the beneficiary with the transaction’s reference number to check the issue with their bank.

Whenever a transaction is declined on InstaPay, CIB will automatically reverse the transaction to your bank account immediately. In case the transaction is not reversed, pleasecontact CIB’s customer service at 19666 and provide them with the transaction’s reference number to track it.

All your bank accounts and Meeza prepaid card funds belonging to one of the network’s banks.

Should the account remain below the mentioned eligibility criteria for 6 consecutive months, the Bank will downgrade the relationship to the best suited offering.