Personal Banking FAQs

• Copy of a valid national identification card
• Income proof:
  • In case of salary transfer, a recent HR letter.
  • In case of non-salary transfer:
    • a recent HR Letter or three salary slips.
    • Bank statement for the last three months or the last three salary slips.
  • In Case of self employed and professionals:
    • Bank account statement (personal or corporate) for the last six months.
    • Original valid commercial register.

Additional documents might be required. For more information, click here.

General required documents:

• Copy of a valid national identification card
• Recent telephone, electricity or gas utility bill (maximum three months old)
• Required documents for income proof:
  • In case of salary transfer, no additional documents are required
  • In case of non-salary transfer:
    • Recent HR letter or
    • Three salary slips or
    • Bank statement from the last 6 months
  • In case of self employment:
    • Last six months account statement (personal or corporate)
    • Original commercial register or its equivalent

Other documents might be requested on a case by case basis.

In case the unit is located in New Urban Communities:

• A copy of the building permit
• A copy of the land receipt record
• A copy of the land allocating record
• The primary contract for the land
• A proof of full payment of the land price.

In case the unit is located in old market:

• A copy of the building permit & a copy of the land’s contract which is registered at the Real Estate registration office.
• Or a copy of the unit’s contract, registered at the Real Estate registration office.

Additional documents might be required. For more information, click here.

• Copy of a valid national identification card
• Revolving overdraft application

Additional documents might be requested. For more information, click here.

For existing CIB customers, you can book your certificate of deposit or time deposit easily through the Internet Banking service or Mobile Banking App.

For new customers, please visit the nearest branch to open an account and book your Certificate of Deposit or Time Deposit. Make sure to bring the following documents:

• Valid National ID or valid passport for foreigners
• Recent original utility bill (electricity or gas)
• Proof of income
• Proof of permanent residence for foreigners

• Egyptians need a valid national ID or passport
• Proof of employment
• Proof of residence if your address differs from the address on your ID
• In case the PA person has another nationality (88) in NID, they should bring their passport or birth certificate
• If US nationality, the Indicia and FATCA process will be followed.

Required documents for opening a Savings Account:

• Age 15 to 21 years old: A valid national ID, university ID (in case the customer is a university student), and guardian’s proof of income
• Age 21 and above: 
  • A copy of your valid National ID, or valid passport for foreigners
  • Recent original utility bill (electricity or gas)
  • Proof of income
  • Proof of permanent address for foreigners

Required documents for opening a Current Account:

• Starting Age 21 years old;
  • Copy of your valid National ID, or valid passport for foreigners
  • Recent original utility bill (electricity or gas)
  • Proof of income
  • Proof of permanent address for foreigners

Required documents for opening a Bedaya Savings Account:

• Offered to new Egyptian customers only, starting age 15 years old
  • Valid National ID
  • Utility bill (only in the case that the customer chooses an address other than the ID address)

Required documents for opening a Minor Account:

• The Minor Account is a savings account that can be opened by the minor’s guardian (Natural/Legal) for minors up to the age of 21
  
  • Valid National ID for the guardian or valid passport for foreigners
  • Electronic birth certificate for the minor (or a valid National ID if the minor is 15 years old)
  • Proof of income for the guardian
  • Proof of permanent address for foreigners
  • Recent original utility bill (electricity or gas)
  • Appointment decree issued by the family prosecution (in case of legal guardian)

• You only need to have an active debit or credit card on an active Saving/Current Account or an active credit card
• An active debit card means it has been used at least once through a CIB ATM
• An active credit card means than it has been activated through CIB Call Center
• You need to have your debit/credit card PIN code
• You have to sign the e-service agreement at the nearest branch.

• 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.

•You can issue up to 4 supplementary cards for free for family members.

•You can use your Platinum Credit Card anywhere in the world.

• Maximum daily transaction limit: EGP 60,000
• Maximum monthly transaction limit: EGP 200,000
• Maximum wallet balance: EGP 400,000
• The maximum weekly transaction deposit limit from your linked credit card is EGP 10,000
• The maximum monthly transaction deposit limit from your linked credit card is EGP 40,000
• The maximum daily/monthly transaction limits from your debit cards are shown below:

  	Classic (Visa/MasterCard), Loan Debit, and Youth cards	Titanium	Platinum Wealth, Platinum Private, VISA Platinum Business
  Maximum Daily Purchase and E-Commerce Limit	EGP 30,000	EGP 30,000	EGP 30,000
  Maximum Monthly E-Commerce Limit	EGP 50,000	EGP 100,000	EGP 100,00

Please Check the credit cards here

For card limits, please visit the below links:

Credit Cards Limits.

Debit & Prepaid Cards Limits.

EGP 40* for amounts less than EGP 20,000.

*Fees are waived for Wealth, Exclusive Wealth and Private customers. For customers holding a Bedaya Savings Account or Easy Accounts, a fee of EGP 100 will be deducted on withdrawals from branches regardless of the amount, except for when a customer is requesting to withdraw because of closing their account. 

• The service is provided for e-commerce transactions and purchases performed through the Point of Sale (POS) through the merchants.
• The credit cardholder has to request the zero interest installments from the merchant before processing the transaction.
• The minimum transaction amount is determined by the merchant.
• The installment repayment period is determined based on the deal between the Bank and the merchant.
• There is no maximum number of enrollments in the Installment Payment Plan service as long as they are within the card’s credit limit.
• The first installment is due on the month following the month of enrollment.
• The installment is posted as part of the due amount, which is the installment/s plus the minimum amount due out of total non-enrolled balance in the Installment Payment Plan, if any.
• The cardholder should adhere to the monthly installments. If the principal amount of the Installment Plan is settled before maturity date, the service will be automatically canceled.
• This service will not be available if the card is over limit, delinquent, and/or suspended. Active services might be automatically canceled for the same reasons.
• The refunded transactions do not cancel the enrolled transactions in the installment plan. The customer must contact the call center on 19666 to proceed with the cancellation process.

Tier Miles help you upgrade your status within the EGYPTAIR Plus membership program. Higher tier provide more privileges.

You can send money using one of the following beneficiary’s details:

• Instant Payment Address (IPA)
• Mobile number registered with IPN
• Digital wallet using mobile number
• Bank account number or IBAN
• Debit, credit or prepaid card from a member bank using a 16-digit number