• Login to your Online Banking account
  • Click on “Transfers” on the home page
  • Click on “Local” under “Transfer Types”
  • Select “Transfer to another CIB Account”
  • Choose the beneficiary if it’s already added, or add beneficiary first if you don’t have a saved one
  • Choose the account you want to transfer from
  • Click on “update”
  • Enter the transfer amount and purpose
  • Click on “Continue”
  • Review the transfer summary before proceeding
  • Click on “Confirm”
  • Enter the OTP from your activated CIB OTP Token app
  • Transfer submitted successfully
  • You can extract the “Transaction Receipt” from top right side of the final screen
It wouldn’t be affected as long as the current dues on the card are within the new card limit.
  1. Click on “Transfers” in the main menu
  2. Choose “Payments to Others”
  3. Choose the beneficiary you want to transfer to, edit any details needed,
  4. Enter your 6-digit OTP,
  5. Click ”Pay”.
  • Log in to your Online Banking account
  • Click on "Transfers" on the home page
  • Click on "Own Accounts" under "Transfers Type”
  • Choose the account to pay from and account to transfer to
  • Enter the transfer amount
  • Click on “Continue”
  • Review the Transfer Summary before proceeding
  • Click on “Confirm”
  • You can extract the “Transaction Receipt” from top right side of the final screen
Yes, as a primary cardholder, you can adjust the spending limit for the supplementary card at any time through our call center.
A pending transfer means the beneficiary’s bank hasn’t confirmed crediting the amount to the beneficiary’s account. InstaPay will update the transfer status to either “successful” or “rejected” within a few minutes of the transaction. You can check the transaction status from the app’s transaction history.
You can set a spending limit for each supplementary card that is renewed monthly with a minimum of EGP500 via the call center. The set limits are renewed by each statement automatically.

• EGP 5 million daily limit for Prime & Plus customers

• EGP 20 million daily limit for Wealth & Private customers

• EGP 3 million per transaction

  • Log in to your Online Banking account
  • Click on “Credit Cards” under “Cards” section on the home page
  • Select the credit card
  • Click on “Limit Increase” 
  • Check the box to agree to the terms and conditions and click on “I Agree”
  • Review the request summary, then click on “Confirm” button
  • Request submitted successfully

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.

Yes, you can normally receive a message on your international mobile number.
Yes. You can transfer money between your accounts, other CIB accounts/credit cards on your beneficiary list, as well as other institutions outside the CIB.
You have to input all data related to the beneficiary as well as the beneficiary’s bank. You will also need a One Time Password (OTP) generated from either hard token or soft token to authenticate your 3rd party payments.
You have to input all data related to the beneficiary as well as the beneficiary’s bank. You will also need a One Time Password (OTP) generated from either hard token or soft token to authenticate your 3rd party payments.
The buyout service is available for credit cardholders in which the customer is allowed to use the CIB card limit to settle the outstanding balance on other non- CIB cards and repay this balance in an equal payment plan with normal interest rates. The customer can request the service via the call center. Please check the link for more info about the terms and conditions: https://cib.eg/z3j.
Customers can utilize the cash on phone service in which the customer can request up to the full card limit to be transferred to the direct debit account and then repay this balance in an equal payment plan with normal interest rates. Please check the link for more info about the terms and conditions: https://cib.eg/z3j.

How can customers login to the world of BONUS in case of having a registered international number:

  • Tap Login
  • Enter CIB Debit/Credit card or number account number
  • Press on change country calling code
  • Type the country calling code in the box before the mobile number
  • Customers will then receive an OTP on their registered international number 
  • Enter the OTP and enjoy the world of BONUS
  • Log in to your Online Banking account
  • Click on “Transfers” on the home page
  • Choose the transfer type or select the beneficiary
  • Click on “Transfer” 
  • Click on “Schedule” next to the transfer amount
  • Select the transaction date
  • Click on the “Toggle” button next to “Recurring Transfer”
  • Select the recurring frequency
  • Set the end date, if needed
  • Click on “Continue” and follow the remaining transfer steps
  • Transfer to Own Account (Same & Cross)
  • Transfer to Other CIB (Same & Cross)
  • Transfer Outside CIB
  • Credit Card Settlement
  • Transfer to Own Account (Same & Cross)
  • Transfer to Other CIB (Same & Cross)
  • Transfer Outside CIB
  • Credit Card Settlement

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