Personal Banking FAQs

To join CIB PLUS, customers should meet any of the below criteria:

• Maintain a balance starting from EGP 300,000 (or its equivalent in foreign currencies).

• Maintain a monthly net salary from EGP 30,000 to EGP 80,000 (or its equivalent in any other currency).

• Have an unsecured loan from CIB with a minimum of EGP 500,000.

To join CIB PLUS, you can simply click on this link: https://cib.eg/m7m and apply online. If you are an existing customer, please visit the nearest branch to sign an enrollment letter and upgrade to CIB PLUS.

• 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

You can simply enable biometrics login through one of the below options:

Before login:

• On the app's login page, click on Fingerprint/Face ID icon.
• Enter your username and password.
• Agree to the Biometrics terms and conditions, then click on "Activate Now”.
• Enter the OTP sent to your registered mobile number.
• Your Face ID/Fingerprint will be activated successfully.

From your profile:

• Log in to your CIB Mobile Banking app.
• Click on “Profile” icon.
• Toggle on “Login using Biometrics Feature” button.
• Agree to the Biometrics terms and conditions, then click on "Activate Now”.
• Enter the OTP sent to your registered mobile number.
• Your Face ID/Fingerprint login will be activated successfully.

You can choose a new PIN through the following:

• Call 19666 from your registered phone number
• Phone Banking from your registered phone number

Customers can find their card dues via CIB call center, Phone Banking, Online Banking or the nearest CIB branch, noting that all customers receive a monthly SMS with the amount due before the due date.

Biometric login for the CIB Mobile Banking app can only be enabled on one device at a time. If you activate biometric login on a new device, it will be automatically disabled on the previous device.

• Login to your Online Banking account
• Click on “Transfers” on the home page
• Click on “Local” under “Transfer Types”
• Select “Transfer to another CIB Account”
• Choose the beneficiary if it’s already added, or add beneficiary first if you don’t have a saved one
• Choose the account you want to transfer from
• Click on “update”
• Enter the transfer amount and purpose
• Click on “Continue”
• Review the transfer summary before proceeding
• Click on “Confirm”
• Enter the OTP from your activated CIB OTP Token app
• Transfer submitted successfully
• You can extract the “Transaction Receipt” from top right side of the final screen

The Smart Wallet is free of charge. There are no monthly, annual, or maintenance fees for this service.

However, please keep in mind that there are separate fees for each transaction you make. For example, if you use your Smart Wallet to transfer money, issue online cards, and more, additional fees may apply.

You can also find the list of service fees on the Smart Wallet application when you click on “Services Information” from the menu.

Please see the price list below or visit the CIB website for more information.

Smart Wallet Price List:

1. Sign in to CIB Internet Banking
2. Go to “Password Settings” under the “Settings” tab
3. Click on “Change password” and fill in the following fields:

• Old password
• New password
• New password confirmation

4. Click “Confirm” You can also reset your password without logging in by following the steps illustrated in the previous question.

Transfers in Egyptian Pound inside CIB (No fees)

Transfers in Egyptian Pound outside CIB inside Egypt (Fees are waived):

• Commission:0.2% minimum EGP 40 - maximum EGP 350

Transfers in a foreign currency:

• Commission: 0.3% from the amount with a minimum of USD 20 - maximum USD 150
• Swift Charges: Equivalent to USD 10 through Online Banking.
• The charges are equivalent to USD 20 if executed through CIB branches
• Beneficiary Bank Fees: Based on the beneficiary bank's fees and charges. The USD equivalent is calculated upon execution and is based on CIB’s daily currency free market rate

If the transfer is conducted through IPN to one of the banks participating in the Instant Payment Network, the commission will be 0.2% with a minimum of EGP 10 and a maximum of EGP 50 (Fees are waived)

Meeza wallet transfers through Internet or Mobile banking is free of charge