Personal Banking FAQs

• Balance: The current balance is the actual balance of the account at the beginning of the business day. It is the balance that is printed on bank statements.
• Available to Use: The amount of money in an account that is available for immediate withdrawals or any other type of use. It represents the difference between the account balance and any activity that has not yet been reflected on the account, such as pending deposits, cheques and withdrawals.

• Balance: The current balance is the actual balance of the account at the beginning of the business day. It is the balance that is printed on bank statements.
• Available to Use: The amount of money in an account that is available for immediate withdrawals or any other type of use. It represents the difference between the account balance and any activity that has not yet been reflected on the account, such as pending deposits, cheques and withdrawals.

Use your wallet to perform any financial transaction, including deposit/withdrawal, bill payments, sending money, purchasing via QR code or issuing an Online Card.

*If you did not update your Smart Wallet app, please make sure to follow these steps to update it:

For Android/Huawei users:

1. Delete the existing CIB Smart Wallet app from your phone
2. Re-download the app from Google Play or Huawei AppGallery
3.  Enter your mobile number that is registered to CIB Smart Wallet
4. Enter the activation code you will receive on your phone in an SMS
5. Set a new wallet PIN to log in

For iOS users:

1. Open CIB Smart Wallet from the App Store
2. Tap ‘Update’
3. Enter your mobile number that is registered to CIB Smart Wallet
4. Enter the activation code you will receive on your phone in an SMS
5. Set a new wallet PIN to log in

• Click on “Register Now” on the Login Page
• Choose your preferred registration method
• Fill in the following field and click on “Continue”
• Create a unique username and password according to the set criteria
• Enter CAPTCHA shown on the screen
• Read the terms and conditions
• Check the box to agree to the terms and conditions, then click on “Create Account”
• As a second factor of authentication, enter the OTP sent to your registered mobile number
• Registration is successful
• Click on “Login”
• Enter the username and password to log in to your account

• Transfer to Own Account (Same & Cross)
• Transfer to Other CIB (Same & Cross)
• Transfer Outside CIB
• Credit Card Settlement

Those can be set either from:

1. Click on the desired account that will be used as a source account in setting up the recurring or the forward dated transaction then click “View More”
2. Go to the “Scheduled Transactions” tab
3. Choose whether it is a transaction between your accounts or to a 3rd party
4. Click on “Add New”
5. Enter the details and confirm.

While performing a transfer, click on “Options” and turn on the recurring option and choose the transaction frequency.

• You may add/delete/modify any of your beneficiaries’ details through the payments to others page
• You can add a new beneficiary from the "Add New" button at the top of the page
• You can edit a beneficiary by clicking on the beneficiary then the "Edit" button
• You can delete a beneficiary by simply clicking on "Delete".

• 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