Personal Banking FAQs

Customers can pay back their loans over up to 20 years. For more information, click here.

Smart Wallet users can pay up to EGP 30,000 per day and EGP 100,000 per month.

• 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 charity organization.

Starting the 1st of July, 2022, a fee of 5 Egyptian Pounds will be applied on each cash withdrawal transaction using any CIB debit, credit or prepaid cards on other banks’ ATMs in Egypt.

Please visit the below link for further details

https://www.cibeg.com/-/media/project/downloads/fees-and-charges/personal-english/alternative-channelsen.pdf

• Password has to be 8 to 12 characters in length
• Password must be alphanumeric with a minimum of 2 letters and 2 digits:This means that a password cannot be all made of only letters or only numbers, but a combination of both with a minimum of 2 from each type
• Password is case sensitive.If part of your password is capital or small letter, you will need to always type it the same way when you log on.
• You cannot use Arabic letters in the password
• Username cannot be part of the password

• The username has to be alphanumeric with no Arabic characters:You can use letters and/or numbers, but all letters have to be in English
• Maximum username length is 30 characters:You can have a username of one letter or one number if you find it available, but you cannot go over 30 in length
• Username is case sensitive:If part of your username is capital or small letter, you will need to always type it the same way when you log on
• Spaces and special characters (“ ' * % & /) are not allowed
• If you are consistently receiving invalid credentials error, please make sure you try a different username.

In order to perform a third party transfer outside your own accounts, you have to set up your third party payment beneficiary first. This can be done through the following:

1. From the Internet Banking home page
2. Select “Money transfers”
3. "Payments to Others”
4. Click on “Add New” and set up your beneficiary
5. From the Internet Banking home page
6. Click “Edit” in the quick pay widget
7. It will direct you to the Payments to others page
8. Click on “Add New” and set up your beneficiary

You will also need a One Time Password (OTP) generated from either hard token or soft token to authenticate your third party payments.

You can activate or re-activate your credit card by calling 19666 through Phone Banking or speaking to one of our Call Center agents

For card limits please visit the below link.https://www.cibeg.com/English/Personal/Cards/Documents/CIB%20Cards%20International%20Spend%20Limits%20English.pdf

You can check debit card limits and fees here.

Interest rates can be credited to your account monthly, quarterly, semi-annually, annually or at maturity.

For cards types and limits, please visit the below link:http://www.cibeg.com/english/Personal/Cards/Pages/CreditCards.aspx

Please check the Meeza card page for fees and limits.

No Fees Apply.

CIB is offering various installment programs that fit all customers’ needs:Single TransactionCash on PhoneBalance TransferInstallments at merchants0% Installments

For all limits and fees please check the ISIC Card page.

You can check the limits from “Daily Transfer limits” in the help center section on the Internet Banking.

The following services are available for Meeza cards:

• Local Purchases
• Local E-Commerce transactions (whenever it is available)
• Bill Payment
• Cash Withdrawal
• Balance inquiry via ATM
• ATM deposits.

• Annual fees: Admin fees except for Payroll, Wealth, Senior Citizen, and Youth accounts
• Mail Fees
• Monthly fees: Minimum balance fees if the total balance is less than EGP 10,000 except for Minor, Payroll, Youth, and Borrowing customers.