Personal Banking FAQs

To make your financial life easier, we have selected a talented and dedicated team of experts through whom all your banking transactions will be executed and well managed, including:

• Dedicated Wealth Relationship Manager to guide you financially
• Dedicated Wealth Service Officer to assist
• Dedicated Wealth teller to help you avoid queuing
• Dedicated 24/7 call center, 19847(VIP)
• Dedicated and exclusive access to CIB Wealth centers and lounges

• Android devices with Android OS 5 or above
•  Apple devices with iOS 13 or above

• Balance: The current balance is the actual balance of the account at the beginning of the business day. It is the balance that is printed on bank statements.
• Available to Use: The amount of money in an account that is available for immediate withdrawals or any other type of use. It represents the difference between the account balance and any activity that has not yet been reflected on the account, such as pending deposits, cheques and withdrawals.

• Balance: The current balance is the actual balance of the account at the beginning of the business day. It is the balance that is printed on bank statements.
• Available to Use: The amount of money in an account that is available for immediate withdrawals or any other type of use. It represents the difference between the account balance and any activity that has not yet been reflected on the account, such as pending deposits, cheques and withdrawals.

• A single-use online card is a one-time card that will expire within 24 hours or upon making your first transaction on any local website (with local currency).
• The multi-use online card can be used for up to 3 transactions a month. The multi-use online card will expire immediately after the month ends or immediately after the 3 transactions are executed.

• Minimum age: 21 years old
• Maximum age: 60 years old at loan maturity for salaried individuals; 65 years old for self-employed individuals
• The property has to be fully constructed and have utilities.

For more information, click here.

• Maintain a total balance starting of EGP 20,000 of up to EGP 300,000 (or its equivalent in other currencies) across all of your CIB accounts and terms deposits.
• Salary transfer Starting with EGP 5000 up to EGP 30,000.

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.

For all segments, the maximum deposit limit using a debit card is EGP 100,000 per day and EGP 20,000 per day without a card.

For the Prime segment, the maximum deposit limit using a debit card is EGP 150,000 per month and EGP 20,000 per day without a card.

• Loan amount is up to EGP 5,000,000
• Financing is up to 80% of the property value.

For more information, click here.