العربية

  • Checks in EGP take 4 working days from the deposit date (taking into consideration official holidays), except checks drawn on Arab Investment Bank, Postal Authority, and Nasser Society Bank.
Submit a replacement request for card at the nearest CIB branch, then you will get a new card with the same balance as the old card. NB: replacement fees will be EGP 15.
In order to make it more convenient for our Private customers, there is a complete personalized condition to every customer as 6 months grace period in order to maintain a minimum of EGP 20,000,000 in total balances. Should the account remain below the mentioned eligibility criteria, the Bank will downgrade the relationship to the best suited offering.
Yes, you can unregister through the application by selecting “My Profile” on the top right-hand corner of the homepage, followed by “Unregister.” Please make sure your wallet’s balance is EGP 0 before unregistering from the service. To withdraw your balance before unregistering, please refer to any of the CIB Smart Wallet cash withdrawal methods. To withdraw cash after unregistering, please refer to any CIB branch.

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

You can issue a chequebook through one of the following channels*:

  • Branch network
  • ATMs
  • Phone Banking

Internet Banking and Mobile Banking through the steps below:

  1. Go to “Requests”
  2. For Mobile Banking: Select “Other Requests” then “Request New Chequebook” For Internet Banking: Select “Request New Chequebook”
  3. Choose the branch you want it to be delivered to
  4. Fill out the form to complete your request

*To issue chequebooks, the account balance should be EGP 25,000. starting 22nd of June,2023

You can issue a chequebook through one of the following channels*:

  • Branch network
  • ATMs
  • Phone Banking

Internet Banking and Mobile Banking through the steps below:

  1. Go to “Requests”
  2. For Mobile Banking: Select “Other Requests” then “Request New Chequebook” For Internet Banking: Select “Request New Chequebook”
  3. Choose the branch you want it to be delivered to
  4. Fill out the form to complete your request

*To issue chequebooks, the account balance should be EGP 25,000. starting 22nd of June,2023

Yes, you can pay any transaction in installments with a minimum amount of EGP 500, whether it is a purchase or cash withdrawal. The available tenor ranges from 3 months to 60 months, added to the interest rate of the selected plan from our contact center at 19666 or the Mobile Banking app. After submitting the request, it will be reviewed within 24 hours, and you will receive a notification if approved. Also, you can follow up on the case from the Mobile Banking app.

1. Osoul Fund

Low-Risk

A low-risk money market fund that offers short to medium-term liquidity with accumulated daily returns.

Investment Type: Invests in Treasury Bills and Time Deposits.

Subscription and Redemption:

  • Daily subscription and redemption.
  • 0.1% subscription fee with a minimum of EGP 50.

Investment Tenor: Short to medium-term.

Minimum Subscription: 1 unit.

2. Istethmar Fund

High-Risk

Your simplest way to access the Egyptian Stock Exchange.

Investment Type: Equity Fund (Stocks registered on the Egyptian Stock Exchange- EGX).

Subscription and Redemption:

  • Daily subscription (except on the last working day of the week).
  • Weekly redemption on the first working day of the week.
  • 0.25% subscription fee.

Investment Tenor: Long-term.

Minimum Subscription: 1 unit.

3. Aman Fund

High-Risk

An Islamic Equity Fund. Your way to Sharia compliant investment in the Egyptian Stock Exchange.

Investment Type: A Variety of Sharia-compliant stocks in industrial, production and service sectors, in addition to Sukuk.

Subscription and Redemption:

  • Daily subscription (except on the last working day of the week).
  • Weekly redemptions on the first working day of the week.
  • 0.25% subscription fee / and 0.25% redemption fee.

Investment Tenor: Long-term.

Minimum Subscription: 1 unit.

4. Thabat Fund

Low-Risk

A fund of diversified fixed-income instruments.

Investment Type: Invests in fixed-income instruments (Treasury Bonds and Corporate Bonds).

Subscription and Redemption:

  • Daily subscription with monthly redemption on the first working Sunday of each month.
  • 0.1% subscription fee with a minimum of EGP 50.

Investment Tenor: Medium- to long-term.

Minimum Subscription: 1 unit.

5. Takamol Fund

Medium-Risk

Combine the growth of Egyptian equities with the stability of fixed income investments.

Investment Type: Mix of fixed income instruments and stocks of companies listed on the Egyptian Stock Market.

Subscription and Redemption:

  • Daily subscription with weekly redemption on the first working day of the week.
  • 0.1% subscription fee with a minimum of EGP 50.

Investment Tenor: Long-term.

Minimum Subscription: 1 unit.

• Fast track branch service: Receive immediate assistance whenever you visit CIB branches, ensuring that your requests are processed as quickly as possible, or when you call our call center at 19666. • Current and savings accounts: Save your money with CIB current and savings accounts and enjoy a diverse range of features, customized to meet various lifestyles, along with preferential fees and charges. Open an Everyday Savers account to watch your savings grow daily.

• CIB Plus personal loans: Enjoy the best borrowing options in the market to fund a variety of personal needs, from furnishing your new home to covering vacation expenses for you and your family.

• Plus debit card: Forget cash and use your CIB Plus debit card! Enjoy a limit of EGP 500,000 for purchases and EGP 30,000 for cash withdrawals inside Egypt. Collect 1.5 BONUS points for every pound spent wherever you shop and redeem them from a list of participating stores.

• The CIB Platinum Credit Card offers a range of benefits from worldwide purchasing:

- Access to selected airport lounges for a new and easy digital experience with the MasterCard Travel Pass app.

- Collect 3 BONUS points for every pound spent wherever you shop and redeem them from the list of participating stores.

- Issue up to 4 supplementary cards for free for family members.

- Use your Platinum Credit Card anywhere in the world.

• Les Concierges Egypt Services: Enjoy the best services provided in cooperation with Les Concierges Egypt! You will receive special assistance with a wide range of services, saving you time and effort.

Yes, you can enroll in any transaction with a minimum amount of EGP 500, whether it is a purchase or a cash withdrawal with available tenor ranges from 3 months to 60 months. Enrollments can be accepted only if the transactions are still before their due date, the value of the transaction is within the card limit, you are in good standing with no arrears, and the full transaction value should be available for installment. This could be done from our contact center at 19666 or the Mobile Banking app. After submitting the request, it will be reviewed within 24 hours, and you will receive a notification if approved. Also, you can follow up on the case from the Mobile Banking app.
Yes, it depends on each card's spending limits. You can check debit card spending limits here.

The transaction will be rejected.

A foreign exchange markup fee will still apply because the merchant is located outside Egypt. Please find more details on the exchange rate charged according to each card type from the following link: https://cib.eg/4z1.
The fees are non-refundable as per the Smart Wallet's policy. Additionally, all foreign currency transactions using the smart wallet online card have now been stopped. Please note that local currency transactions through the Smart Wallet Online Card are working normally.

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.
The minimum value for redemption is EGP100.
You can set a spending limit for each supplementary card that is renewed monthly with a minimum of EGP500 via the call center. The set limits are renewed by each statement automatically.
The minimum amount for an installment plan is EGP500 and the available tenors are from 3 months up to 60 months for cash or purchase transactions.
EGP100
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On the phone

For support, including emergencies such as cards closure or immediate critical feedback.

In branch

Our trained team of tellers and relationship managers are here to help you get the service you need. 

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