Personal Banking FAQs

• 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 that has a supplementary limit
• Choose the required supplementary credit card
• Click on “Change Credit Limit” 
• Select the change limit type, either customer or total credit limit
• For a custom limit, enter the amount
• Click on “Continue” 
• Check the box to agree to the terms and conditions, then click on “I Agree”
• Review the request summary, then click on “Confirm” 
• Request submitted successfully

• Log in to your Online Banking account
• Click on “Credit Cards” in the “Cards" section on the home page
• Click on the required credit card
• Click on “show my transactions”
• The eligible transactions will have a label beside it that says “convert to installments”
• Click on the eligible chosen transaction
• Then, click on “convert to installments” 
• Enter the preferred number of installments “months”
• Read the terms and conditions
• Check the box to agree on the terms and conditions
• Click on “Continue”
• Review the transaction details
• Click on “Confirm”
• The transaction will be converted into installments and will be found in the installments tab

• Log in to your Online Banking account
• Click on “Add Icon (+)”, next to the “Savings & Investments” section
• Click on “Certificates of Deposits (CD)/Time Deposit (TD)”
• Click on “Book now” for either Certificate of Deposit or Time Deposit
• Fill in the required information, such as currency, interest frequency, tenor, maturity instructions, debit account, deposit amount and choose the accounts that amount will be debited from, principle credited to and interest account to credit to
• Review the Certificate of Deposit (CD)/Time Deposit (TD) request summary
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Click on “Confirm”
• Time Deposit (CD)/ /Time Deposit (TD) booked successfully

Yes, you can:

1. Simply click on the account you want to set as the source account for the scheduled transaction,
2. then click on the round orange icon. Click on “Scheduled Transactions”,
3. then “New Standing Order”. Choose your preferred type of transaction, whether to one of your accounts, a 3rd party account or to your own credit card,
4. then fill in the required payment details and click “Next”. Y

our scheduled transaction will be saved and you can access it again in the same place if you need to edit or delete it. Please note: In case of setting up a transaction to a 3rd party account, you will have to enter a 6-digit OTP.

The Related Accounts feature allows you to manage the accounts of your loved ones and necessary individuals without requiring their usernames or passwords. You can access these Related Accounts from your own account by submitting a request, which will then be processed by our team

1. Log in to your Online Banking user
2. Click on “Profile” icon
3. Choose “Related Accounts”
4. Click on “Add New Related Account” 
5. You will find a quick brief of the service. Click on “Continue” 
6. Fill in the required details:
   • Customer name
   • Relation type (Grant, Joint, Minor, Power of attorney)
   • Date of birth (in case of Minor)
   • Related account number
   • Notes (Optional)
7. Click on “Continue” 
8. Review the request details
9. Check the box to agree to the terms and conditions after reading them
10. Click on “Confirm Request” 

Your request will be submitted successfully and will be verified by the bank before being added as a related account.

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

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 Mobile or Internet Banking account.
• Go to the “Transfers” tab.
• Select “transfer outside CIB”.
• Select “New Beneficiary”.
• Choose beneficiary type “Individual”.
• Then Enter the personal information of the customer that include First Name, Middle Name and Last Name all of them should be in English.
• Enter your mobile wallet number in the field of Account number or IBAN or Mobile number.
• Beneficiary Address (noting that must not be in Arabic or special characters and must not more than 140 characters.
• Choose “Mobile Wallet Payment” from Bank’s name field.
• Then choose “headquarter in all governorates” in Branch name field then press continue.
• Then choose your bank account you wish to transfer from.
• Enter the Amount you want to transfer.
• Then enter the purpose of the transfer noting that the answer should fulfill the following criteria:

1. Only English letters are allowed
2. The answer should be not less than 3 characters.
3. Special characters cannot be used.

• Then choose whether “transfer once” or save and transfer”.

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.

• Log into your Internet or Mobile Banking account
• For Mobile Banking: Select “Products” then “Apply for Loan or Card”

           For Internet Banking: Select “Requests” then “Apply for Loan or Card”

• Enter your National ID number
• Select the desired product you are applying for (loan or credit card)
• If you’re applying for a credit card, select the desired credit card type. If you’re applying for a loan, enter the requested amount
• Enter net monthly income
• Enter employer’s name
• Enter job title
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Press “Submit”
• Press “Confirm” once the confirmation message appears

Note: A bank representative will get back to the customer within one business day.

Customer to provide signed documents in case of the application approved.

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.

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.

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.

• Login to your Online Banking account
• When using the Mobile Banking app, click on "More" on the bottom of the home page, then click on "OTP Activation", under "Services"
• When using the Internet Banking service, click on "More", then click on "Services" and select "OTP Activation"
• Choose “OTP Hard Token” and click on “Activate Now”
• Enter the serial number of the device collected from the branch and the OTP generated by the device
• Click on “Submit”
• OTP Hard Token activated successfully

• 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 into your Internet or Mobile Banking account
•  Click on the “Requests” tab

        For Mobile Banking: Select “Statements & Documents” then “E-Statement Enrollment”

        For Internet Banking: Select “E-Statement Enrollment”

• Choose “E-Statement Enrollment”
• Read the terms and conditions
• Check the box to agree to the terms and conditions
• Press “Submit”
• Press “Confirm” once the confirmation message appears