Personal Banking FAQs

The update will bring three new features/enhancements which are:

1. 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.
2. 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.
3. 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.

• Log in to your Online Banking account
• Click on “Add Icon (+)”, next to the “Savings & Investments” section
• Click on “Certificates of Deposits (CD)/Time Deposit (TD)”
• Click on “Book now” for either Certificate of Deposit or Time Deposit
• Fill in the required information, such as currency, interest frequency, tenor, maturity instructions, debit account, deposit amount and choose the accounts that amount will be debited from, principle credited to and interest account to credit to
• Review the Certificate of Deposit (CD)/Time Deposit (TD) request summary
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Click on “Confirm”
• Time Deposit (CD)/ /Time Deposit (TD) booked successfully

A late charge fee will be applied in addition to the interest on the total due amount in the statement. Please check the following link to know the fees applied depending on your card type: https://cib.eg/4z1.

Yes, the replacement has no impact on the loyalty rewards.

This fee is applied when you exceed the card limit either due to a new transaction you’ve made or due to a bank charge such as annual fees. You can check the fees through the following link: https://cib.eg/4z1.

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.

Yes, the customer can get the cash over the counter from specific branches: Cairo Branches: Mostafa El Nahas, El Gezira, Maadi tower. Alex Branches: Azarita Branch.

You can redeem your miles on all EGYPTAIR Flights only. Miles can be used for reward tickets or upgrade tickets or excess baggage. For more information, please refer to EGYPTAIR’s call center on 1717.

No, the service is available exclusively for the primary cardholder.

The interest will be on the total due amount in your statement if you don’t pay it in full. The monthly interest rate varies based on the card type. You can find out more details on the interest rates applied here: https://cib.eg/4z1.

CIB and non-CIB customers:

• Visit your nearest CIB branch.
• 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, carefully read the terms and conditions, click on "Accept" and then enter 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.

Egyptian 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, carefully read the terms and conditions, click on "Accept" and then enter 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.

The amount will be credited back to your wallet.

Yes, you can through CIB ATMs only. Just follow the following directions:

• 1-Choose “Cardless Services” from the ATM main screen
• 2-Confirm that you’ve read the terms and conditions
• 3-Enter your account number
• 4-Select whether to generate a new OTP or if you have a valid OTP
• 5-Enter your OTP (sent to your registered mobile number)
• 6-Insert your money into the ATM
• 7-Confirm the amount and your account number

Unfortunately, no.

Yes, only from the ATM mini statement option that lists your last ten transactions.

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.

Transfers in Egyptian Pound inside CIB (No fees)

Transfers in Egyptian Pound outside CIB inside Egypt (Fees are waived):

• Commission:0.2% minimum EGP 40 - maximum EGP 350

Transfers in a foreign currency:

• Commission: 0.3% from the amount with a minimum of USD 20 - maximum USD 150
• Swift Charges: Equivalent to USD 10 through Online Banking.
• The charges are equivalent to USD 20 if executed through CIB branches
• Beneficiary Bank Fees: Based on the beneficiary bank's fees and charges. The USD equivalent is calculated upon execution and is based on CIB’s daily currency free market rate

If the transfer is conducted through IPN to one of the banks participating in the Instant Payment Network, the commission will be 0.2% with a minimum of EGP 10 and a maximum of EGP 50 (Fees are waived)

Meeza wallet transfers through Internet or Mobile banking is free of charge

Transfers in Egyptian Pound inside CIB (No fees)

Transfers in Egyptian Pound outside CIB inside Egypt (Fees are waived):

• Commission:0.2% minimum EGP 40 - maximum EGP 350

Transfers in a foreign currency:

• Commission: 0.3% from the amount with a minimum of USD 20 - maximum USD 150
• Swift Charges: Equivalent to USD 10 through Online Banking.
• The charges are equivalent to USD 20 if executed through CIB branches
• Beneficiary Bank Fees: Based on the beneficiary bank's fees and charges. The USD equivalent is calculated upon execution and is based on CIB’s daily currency free market rate

If the transfer is conducted through IPN to one of the banks participating in the Instant Payment Network, the commission will be 0.2% with a minimum of EGP 10 and a maximum of EGP 50 (Fees are waived)

Meeza wallet transfers through Internet or Mobile banking is free of charge

If you terminate any product on which you have available points, you will lose all the points earned on the canceled product.