Personal Banking FAQs

You can choose a New PIN through the following:

• Call 19666 from registered phone number
• Phone Banking by calling with your registered phone number

• Log in to your Online Banking account
• Click on “Credit Cards” under “Cards” section on the home page
• Select the credit card
• Click on “Manage Direct Debit” 
• Choose the direct debit account
• Choose the direct debit amount (5% minimum amount or 100% full amount)
• Click on “Continue” 
• Review the request details, then click on “Confirm” 
• Request submitted successfully

You can stop a lost or stolen card through the following:

• Calling 19666 and using Phone Banking or speaking with a live Call Center agent
• Internet Banking (ebanking.cibeg.com)
• Visiting the nearest CIB branch

You can choose a new PIN through the following:

• Call 19666 from your registered phone number
• Phone Banking from your registered phone number

• Log in to your Online Banking account
• Click on “Credit Cards” under “Cards” section on the home page
• Select the credit card
• Click on “Show My Transactions” under “My Transactions”
• Click on “Filter” 
• Filter by date or amount range, then click on “Apply” 
• Then, click on “Export” 
• Choose the needed format to download transactions, then click on “Download” button

The Equal Payment Plan (EPP) is a flexible program that allows you to pay for your transactions in equal monthly payments instead of paying in full. This makes it easier for you to manage your monthly expenses.

CIB provides you with a diverse range of installment plans that suit your needs, such as:

• You can install any credit card transaction: (with a competitive interest rate) by calling 19666 from your registered mobile number or through the Mobile Banking app.
• Credit Card Cash Transfer: You can transfer cash to your account from the credit card balance. This service can be requested through the Internet Banking service or using your mobile phone by calling 19666, or via the Mobile Banking app.
• Installment Plans with Competitive Interest Rates at participating merchants.
• Installment Plans with Zero Interest at participating merchants.
• To know merchants subscribed in Equal Payment Plan Program, please visit the following link: https://cib.eg/k0l.
• Balance Transfer: you can settle credit card balances at other banks using your available credit limit, with a low interest rate and no transfer fee. This service can be requested through your mobile phone by calling 19666.

• Log in to your Online Banking account
• When using the Mobile Banking app, click on "More" on the bottom of the home page
• When using the Internet Banking service, click on "More", then choose "Services"
• Select “Statements & Documents”
• Click on “View Historical Statements for Accounts” Or “View Historical Statements for Credit Cards”
• Choose the account or credit card, then click on “View Historical Statements” 

The Smart Wallet is free of charge. There are no monthly, annual, or maintenance fees for this service.

However, please keep in mind that there are separate fees for each transaction you make. For example, if you use your Smart Wallet to transfer money, issue online cards, and more, additional fees may apply.

You can also find the list of service fees on the Smart Wallet application when you click on “Services Information” from the menu.

Please see the price list below or visit the CIB website for more information.

Smart Wallet Price List:

To make your financial life easier, we have selected a talented and dedicated team of experts through whom all your banking transactions will be executed and well managed, including:

• Dedicated Wealth Relationship Manager to guide you financially
• Dedicated Wealth Service Officer to assist
• Dedicated Wealth teller to help you avoid queuing
• Dedicated 24/7 call center, 19847(VIP)
• Dedicated and exclusive access to CIB Wealth centers and lounges

CIB customers:

You can load your Smart Wallet using either of the following methods:

1. Link your CIB card to your Smart Wallet when you visit any CIB branch or via CIB’s Online Banking platforms: 

• You can link any CIB debit, credit, or prepaid card to your Smart Wallet. CIB customers can register a maximum of two CIB cards per mobile number.
• A CIB staff member will enter your Smart Wallet number and card details, and then insert an alias.
• You can then select “My Cards” on the application.
• Select the card that you wish to add money from.
• Enter the desired amount.
• Enter your PIN.
• You will have successfully added money to your Smart Wallet.

Please note that the cost of loading the Wallet via Credit Card is 2% from the amount with a minimum of EGP 5, deducted from the Credit Card.

2. Transfer cash from your Online Banking account to your Smart Wallet:

• Log into your Internet Banking or Mobile Banking account.
• Go to the “Transfers” tab.
• Select “Payments to Others”.
• Select “Add New” to add your Smart Wallet as a beneficiary.
• Select “Egypt” as the country, then select “Meeza Digital Network (Mobile Wallet Payments)” as the bank’s name.
• In the beneficiary account field, insert the mobile number linked to your Smart Wallet.
• Confirm payment and check your Smart Wallet balance.

Both CIB and non-CIB customers:

You can load your Smart Wallet using any of the following methods:

ATMs: Any ATM in Egypt that offers cardless services or has the “Meeza” digital logo

• On the Smart Wallet app, tap “Deposit”
• Tap “ATM Deposit”
• Enter the deposit amount to generate the OTP
• Enter the PIN to confirm the transaction
• OTP will be generated
• At the ATM, tap the “Cardless Services” tab on the ATM’s screen to start
• Select “Smart Wallet”
• Select “Deposit”
• Enter your wallet number
• Enter the OTP extracted from the app
• Enter the amount you wish to deposit
• A notification will be sent to confirm that the transaction was successful. You will also be able to check your balance

CIB Smart Wallet Banking Agent

• Visit any CIB Smart Wallet agent.
• Inform the agent that you need to make a cash deposit.
• Provide the agent with your wallet number.
• Give the agent the desired amount of money you wish to add to your wallet.
• The agent will then select the “Smart Wallet” tab.
• The agent will select “Deposit”.
• The agent will enter your wallet number and the amount.
• You will receive a notification on your mobile requesting confirmation.
• Enter your mobile wallet PIN to confirm.
• The POS will print two receipts.
• You will receive a receipt detailing the transaction, and you will be able to check your wallet’s balance.

If you forget your username, follow the below steps:

1. Call 19666
2. Select 3 (Technical support)
3. Select 1 (Retrieve username)
4. Enter the active debit/credit card 16 digits number
5. Enter the card’s 4 digits PIN code
6. Username will be sent via SMS on your registered mobile number

If you forget your username, follow the below steps:

1. Call 19666
2. Select 3 (Technical support)
3. Select 1 (Retrieve username)
4. Enter the active debit/credit card 16 digits number
5. Enter the card’s 4 digits PIN code
6. Username will be sent via SMS on your registered mobile number