Personal Banking FAQs

1. Log into your Internet or Mobile Banking account
2. Click on the “Requests” tab
3. Select “Manage Smart Wallet”
4. Choose “Open a CIB Wallet” from application type
5. Enter your mobile number
6. Enter your National ID
7. Enter your National ID expiration date
8. Choose CIB card type
9. Enter CIB card number, expiration date, and name on card
10. Click “Submit”
11. Click “Confirm” once the confirmation message appears
12. You will receive an SMS that contains a download link and an activation code
13. Download the CIB Smart Wallet app from either Apple, Google Play or Huawei AppGallery stores
14. Enter your registered mobile number, read and accept the terms and conditions, then enter the activation code that was sent to you via SMS
15. Create your six-digit password

 

Your Smart Wallet is now activated and ready for transactions.

 

 

 

What are the Smart Wallet registration requirements?

• A valid mobile number. (Registered with the applicant’s national ID).
• A valid national ID card.

 

You can register on CIB Mobile Banking services using any of the following:

• National ID
• Account Number
• Passport Number
• Active Debit/Credit Card Number

1. Download the app from your mobile’s app store (Google Play or App Store)
2. Select your bank account that is registered with your mobile number
3. Create an IPN account and set a PIN that will only be accessible through your mobile device

• Log into your Internet or Mobile Banking account
• Click on the “Requests” tab
• For Mobile Banking: Select “Cards Management” then “Replace Debit or Credit Card”

           For Internet Banking: Select “Replace Debit or Credit Card”

•  Choose card type
• Choose card account number
• Enter the reason for replacement
• Press “Submit”
• Press “Confirm” once the confirmation message appears

Note:

• Credit cards will not be replaced if the card is over the limit or the minimum due payment has not been settled for the past 30 day

• Log in to your Online Banking account
• When using the Mobile Banking app, click on “More” on the bottom of the page
• Click on “Request Cheque Book” under “Services”
• When using the Internet Banking service, click on "Services" on the home page and select "Request Center"
• Then, click on "Request Cheque Book"
• Fill in the required data, such as the account for the Cheque Book, number of leaves, area and delivery branch
• Review the Cheque Book Issuance Request Summary
• Click on “Submit Request”
• Request submitted successfully

• 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

You can issue an online card through your Smart Wallet. An online card (local currency) is a single-use or multi-use (upon your request), virtual card loaded with the desired amount of money to be used on any website or app.

Through the Smart Wallet app:

• Select “Online Card.”
• Select “Generate New Card.”
• Enter the desired amount (in local currency) to assign to your card.
• Enter your PIN.

• Log in to your Online Banking account
• Click on “Credit Cards" under "Cards" section on the home page
• Click on the credit card you want
• Click on the “Quick Cash” option
• Fill the required details: the amount you need as Quick Cash and number of installments (months)
• Click on “Continue”
• Review transaction details
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Click on “Confirm”
• Request submitted successfully

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 “More" on the home page, under "Services"
• Click on "Requests Center"
• Click on “My Requests”, then select “Other Services”
• Choose from one of the following options:

• Send an inquiry
• Provide a suggestion
• Submit a complaint

You can settle the due amount through any of the following:

• Transfer the required amount through Internet or Mobile Banking
• Transfer the required amount through Phone Banking by calling 19666
• Deposit the required amount through the nearest CIB ATM
• Visit the nearest CIB branch

• 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

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

• Log in to your Online Banking account
• When using the Mobile Banking app, click on “More” at the bottom of the home page
• When using the Internet Banking service, click on “More”, then choose “Services”
• Or from the “Profile” icon on the top of the home page
• Select “Statements & Documents”
• Click on "More” or “Requests Center”
• Click on “Subscribe to E-Statements Service”
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Click on “Submit” 

• Log in to your Online Banking account.
• Click on “Add Icon (+)” under the “Savings & Investments” section, or the “Investment Funds” section if you have existing funds, or from “Request Center”, then click on “Buy Investment Funds” button.
• Once you select the “Investment Fund” section, you will be directed to the risk profiling questionnaire.
• Click on "Next” to start answering the risk profiling questionnaire.
• Once you complete the risk profiling questionnaire, you will get your investment risk rating and a list of recommended funds based on your responses.
• If you wish to select funds other than the recommended ones, please visit the nearest branch.
• You will be directed to a confirmation page, where you can download the order receipt by clicking on “Download” button.
• Select one of the recommended funds to subscribe, once you select the requested fund, you will see the fund’s features along with a “Learn More” button. By clicking “Learn More,” you will view the fund’s prospectus, updated fact sheet, and terms and conditions.
• Select the type of purchase, whether by amount or by unit.
• Select the account to be debited
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Check the box to agree to participate in the funds’ Shareholders Union
• Click on "Continue” to review the order summary
• Read the order summary
• Click on “Confirm” to submit your subscription order
• You will be directed to a confirmation page, where you can download the order receipt by clicking on “Download” button

• Log in to your Online Banking account.
• Click on “Add Icon (+)” under the “Savings & Investments” section, or the “Investment Funds” section if you have existing funds, or from “Request Center”, then click on “Buy Investment Funds” button.
• Once you select “Investment Fund” section, you will be directed to the risk profiling questionnaire.
• Click on "Next” to start answering the risk profiling questionnaire.
• Once you complete the risk profiling questionnaire, you will get your investment risk rating and a list of recommended funds based on your responses.
• If you wish to select funds other than the recommended ones, please visit the nearest branch.
• Select one of the recommended funds to subscribe, once you select the requested fund, you will see the fund’s features along with a “Learn More” button. By clicking “Learn More,” you will view the fund’s prospectus, updated fact sheet, and terms and conditions.
• Select the type of purchase, whether by amount or by unit.
• Select the account to be debited.
• Read the terms and conditions.
• Check the box to agree to the terms and conditions.
• Check the box to agree to participate in the funds’ Shareholders Union.
• Click on "Continue” to review the order summary.
• Read the order summary.
• Click on “Confirm” to submit your subscription order.
• You will be directed to a confirmation page, where you can download the order receipt by clicking on “Download” button.

• 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

• Log in to your Online Banking account
• Click on “Transfers” on the home page
• Click on “Local Transfer” under "Transfer Types"
• Select “Transfer Outside CIB”
• 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 “Continue”
• Enter the transfer amount, charge details and purpose
• 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 the top right side of the final screen