Personal Banking FAQs

1. Go to CIB Internet Banking page https://ebanking.cibeg.com
2. Click on “Forgot / Reset Password”
3. Fill in the following fields:

• Username: Input your CIB Internet Banking Username
• Password: Choose a new password
• Password Confirmation: Enter your password again to make sure it is input correctly
• Card Number: Input the 16 digits of your active debit/credit card without any spaces
• Card PIN: Input the PIN code of your Debit/credit card

Click on “Reset”.

1. Go to CIB Internet Banking page https://ebanking.cibeg.com
2. Click on “Forgot / Reset Password”
3. Fill in the following fields:

• Username: Input your CIB Internet Banking Username
• Password: Choose a new password
• Password Confirmation: Enter your password again to make sure it is input correctly
• Card Number: Input the 16 digits of your active debit/credit card without any spaces
• Card PIN: Input the PIN code of your Debit/credit card

Click on “Reset”.

CIB’s Smart Wallet is a mobile application that enables you to do the following:

• Pay all your bills, top-up your mobile credit, donate to various organizations, etc.
• Send and receive money from your wallet to any other wallet in Egypt.
• Withdraw or deposit money via any ATM in Egypt or any CIB Smart Wallet authorized agent.
• Shop from any brand that has the “Meeza Digital” logo by scanning the merchant’s QR code.
• Issue online cards with any desired amount that can be later used for making online purchases

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

To activate your CIB OTP Token, follow the below steps:

1. Download the CIB OTP Token from your device store.
2. Log into your Internet or Mobile Banking and select ""Activate OTP Token"" from the requests menu.
3. Select ""CIB OTP Token Activation Request"".
4. Review and confirm your mobile number to receive activation link via SMS.
5. Click on the activation link to populate the data in the CIB OTP Token app.
6. Enter the verification code generated from the OTP app in the Internet or Mobile Banking then click ""Submit"".

Click here for a step by step video tutorial on how to activate your OTP Token.

To activate your CIB OTP Token, follow the below steps:

1. Download the CIB OTP Token from your device store.
2. Log into your Internet or Mobile Banking and select ""Activate OTP Token"" from the requests menu.
3. Select ""CIB OTP Token Activation Request"".
4. Review and confirm your mobile number to receive activation link via SMS.
5. Click on the activation link to populate the data in the CIB OTP Token app.
6. Enter the verification code generated from the OTP app in the Internet or Mobile Banking then click ""Submit"".

Click here for a step by step video tutorial on how to activate your OTP Token.

Please follow the below steps to further secure your information:

• Do not share your Internet and Mobile Banking username and password with anybody
• Do not share the PIN code of your card with anyone as it is used for Online Banking registration and password resetting
• Log out of your Mobile Banking session when finished
• Do not leave your mobile unattended without logging out
• Password-protect your mobile device
• Keep the operating system of your mobile device up to date
• Inform the CIB call center right away if you lose the mobile phone number registered for the One Time Password (OTP) Higher Authentication.

Please follow the below steps to further secure your information:

• Do not share your Internet and Mobile Banking username and password with anybody
• Do not share the PIN code of your card with anyone as it is used for Online Banking registration and password resetting
• Log out of your Mobile Banking session when finished
• Do not leave your mobile unattended without logging out
• Password-protect your mobile device
• Keep the operating system of your mobile device up to date
• Inform the CIB call center right away if you lose the mobile phone number registered for the One Time Password (OTP) Higher Authentication.

First, check if the brand/merchant has a “Meeza Digital” logo.

Merchant-initiated payment:

•  Ask the cashier to make a purchase using their QR code.
• On your Smart Wallet application, select “Purchase” from the homepage menu.
• Select “Scan Merchant QR” and proceed to scan the QR code.
• The payment details will appear on your application (merchant name, transaction amount, etc.).
• Confirm the payment by pressing and holding the “Purchase” button.
• Your transaction will then be completed, and you will be provided with an invoice.

Customer-initiated payment:

• Ask the cashier to pay using your mobile wallet and ask for the 9-digit ID number.
• On your Smart Wallet application, select “Purchase” from the homepage menu.
• Select “Enter Transaction Details Manually.”
• Enter the merchant’s 9-digit number or choose it from your contact list.
• Enter the desired amount, and then enter the order number (optional).
• Press and hold the “Purchase” button to confirm.
• Enter your wallet PIN.
• Your transaction will then be completed. The merchant will receive an SMS with your payment details.

Request-to-Pay feature:

• The merchant will send you a request-to-pay notification on your mobile with the transaction details (merchant details, transaction amount, etc.).
• Review the transaction details.
• Enter your wallet PIN and press “Confirm.”
• Your transaction will then be transferred to the merchant successfully.

If you enter your Online Banking password several times incorrectly, you will be locked out. In this case, please follow the below steps to unlock your user:

1. Call 19666
2. Select 3 (Technical support)
3. Select 1 (Activate username)
4. Enter the active debit/credit card 16 digits number
5. Enter the card’s 4 digits PIN code

Do not forget: Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lowercase letter, you may need to use your phone’s Shift key to change the default from uppercase. In addition, some phones require extra presses on the shift key to enter numbers instead of letters.

If you enter your Online Banking password several times incorrectly, you will be locked out. In this case, please follow the below steps to unlock your user:

1. Call 19666
2. Select 3 (Technical support)
3. Select 1 (Activate username)
4. Enter the active debit/credit card 16 digits number
5. Enter the card’s 4 digits PIN code

Do not forget: Passwords are case sensitive; make sure you are entering your password exactly as it is set up. If your password begins with a lowercase letter, you may need to use your phone’s Shift key to change the default from uppercase. In addition, some phones require extra presses on the shift key to enter numbers instead of letters.

In case you remember your password and only need to change/update it, you can simply do this from the “Login Settings” under your profile, after you log into the app. Otherwise, you can follow the below steps:

1. Tap on the “Forgot/Reset Password” from your Mobile Banking app
2. Fill in the following fields:
   1. Username: Input your Online Banking username
   2. Password: Choose a password that is easy for you to remember, but hard for others to guess
   3. Password Confirmation: Please enter your password again to make sure that it is typed correctly
   4. Debit/Credit Card Number: Please input the 16 digits of your active debit/credit card, without any spaces
   5. Debit/Credit Card PIN: Input the 4-digit PIN code of your debit/credit card
3. Click on "Next".

In case you remember your password and only need to change/update it, you can simply do this from the “Login Settings” under your profile, after you log into the app. Otherwise, you can follow the below steps:

1. Tap on the “Forgot/Reset Password” from your Mobile Banking app
2. Fill in the following fields:
   1. Username: Input your Online Banking username
   2. Password: Choose a password that is easy for you to remember, but hard for others to guess
   3. Password Confirmation: Please enter your password again to make sure that it is typed correctly
   4. Debit/Credit Card Number: Please input the 16 digits of your active debit/credit card, without any spaces
   5. Debit/Credit Card PIN: Input the 4-digit PIN code of your debit/credit card
3. Click on "Next".

To access the Mobile Banking service, use your Internet Banking username and password. If you already have an account. Otherwise, you can simply register through the app by clicking on “Register New User”.

Below are the main requirements for registration:

1. An active debit/credit card on an active savings/current account (an active debit/credit card means it was used at least once through a CIB ATM).
2. Your debit/credit card PIN code, which you normally use at ATMs.

Now and till March 31, 2021, you can register to the Online banking service without the need to sign the e-banking terms and conditions at the branch. To do so, simply follow the above steps noting that you must sign the e-banking terms and conditions at any time within this permitted period to avoid service suspension