Personal Banking FAQs

“Pre-activation Apple Wallet access” refers to a feature that allows customers to digitally provision their card into Apple Wallet immediately upon issuance by the bank (once cards are displayed on the mobile banking), without waiting for the physical card to arrive to the customer or activated which means:

• Instant usage through Apple Pay: Customers can begin using their card for contactless payments, online purchases, and in-app transactions for applications that support Apple Pay as soon as it’s issued.
• No dependency on physical delivery: The digital card becomes active and functional even before the physical card is received or activated.
• Secure and seamless onboarding: This enhances customer experience by enabling immediate access while maintaining the security standards of Apple Pay.

The Related Accounts feature allows you to manage the accounts of your loved ones and necessary individuals without requiring their usernames or passwords. You can access these Related Accounts from your own account by submitting a request, which will then be processed by our team

1. Log in to your Online Banking user
2. Click on “Profile” icon
3. Choose “Related Accounts”
4. Click on “Add New Related Account” 
5. You will find a quick brief of the service. Click on “Continue” 
6. Fill in the required details:
   • Customer name
   • Relation type (Grant, Joint, Minor, Power of attorney)
   • Date of birth (in case of Minor)
   • Related account number
   • Notes (Optional)
7. Click on “Continue” 
8. Review the request details
9. Check the box to agree to the terms and conditions after reading them
10. Click on “Confirm Request” 

Your request will be submitted successfully and will be verified by the bank before being added as a related account.

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:

1. Only English letters are allowed
2. The answer should be not less than 3 characters.
3. 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.

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: