Personal Banking FAQs

You can check your BONUS Points and redeem them through:

• CIB BONUS points program website (bonus.cibeg.com)
• CIB Call Center

For more information, click here

For Android users:

• Click on the side menu icon on the homepage.
• Select “Settings.”
• Select “Change Language.”
• Once you click on “Change Language,” the wallet will switch to Arabic/English language.

For iOS users:

• Go to your phone’s settings.
• Choose the language you want (Arabic or English).
• Open the Smart Wallet application.

In order to apply for the low-income CBE Mortgage initiative, please follow the steps below:

1. Interested citizens may buy the "Terms and Conditions" copybook and apply from any post office.
2. The Mortgage Finance Fund (MFF) reviews submitted documents and directs the accepted applicants via SMS to any of the bank's members in the initiative.

Accepted customers will be contacted and informed with the details and documents required by the Bank’s Relationship Managers.

InstaPay will inform you of the transaction status instantly. The status can be one of the following:

• Successful Transaction: The transfer amount is credited to the beneficiary’s account.
• Rejected Transaction: The transfer was rejected and the transfer amount is reversed to your account.
• Pending Transaction: The transaction is sent to the beneficiary’s bank to be executed, but the bank hasn’t confirmed crediting the transfer amount to the beneficiary’s account. The transaction status will be updated shortly to either “successful” or “rejected”.

Yes, you can through CIB ATMs only. Just follow the following directions:

• 1-Choose “Cardless Services” from the ATM main screen
• 2-Confirm that you’ve read the terms and conditions
• 3-Enter your account number
• 4-Select whether to generate a new OTP or if you have a valid OTP
• 5-Enter your OTP (sent to your registered mobile number)
• 6-Insert your money into the ATM
• 7-Confirm the amount and your account number

Yes. Our cash deposit machines have a maximum daily deposit limit of EGP 20,000.

To use an ATM, complete the following steps:

1. Choose “Cardless Services” from the main screen
2. Choose “Settle Credit Card”
3. Enter your credit card number
4. Select either “Generate a New OTP” or “I Have a Valid OTP”
5. Enter the OTP sent to your registered mobile number
6. Insert your money into the ATM
7. Confirm the amount and your credit card number

• Please ensure that the biometrics feature is enabled on your device and that the CIB Mobile Banking app has biometrics permission enabled from your device’s settings.
• Note that the biometrics feature is supported on the latest iOS version and 3 prior versions for both iOS and Android.

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.