• On your Smart Wallet app, issue an online card with your desired amount (local currency), making sure that the amount is available in your wallet.
  • At the checkout page of any local website or app, select the payment option “Cards or MasterCard”.
  • Enter the card details (card number, amount, expiry date, and CVC) at the checkout page to proceed with the payment.

Use your wallet to perform any financial transaction, including deposit/withdrawal, bill payments, sending money, purchasing via QR code or issuing an Online Card.

*If you did not update your Smart Wallet app, please make sure to follow these steps to update it:

For Android/Huawei users:

  1. Delete the existing CIB Smart Wallet app from your phone
  2. Re-download the app from Google Play or Huawei AppGallery
  3.  Enter your mobile number that is registered to CIB Smart Wallet
  4. Enter the activation code you will receive on your phone in an SMS
  5. Set a new wallet PIN to log in

For iOS users:

  1. Open CIB Smart Wallet from the App Store
  2. Tap ‘Update’
  3. Enter your mobile number that is registered to CIB Smart Wallet
  4. Enter the activation code you will receive on your phone in an SMS
  5. Set a new wallet PIN to log in
Contact your telecommunication company.

Confidential data is defined as your card number, PIN and OTP, submitted during onboarding, and your IPN’s PIN submitted either during logins or during transaction authentication processes.

All the above confidential data are encrypted between you and CIB by implementing end-to-end encryption. Thus, InstaPay has no access, rights or ability to obtain or store such confidential data.

The machine will automatically return any money to your account if the money fails to come out of the machine successfully. You can rest assured that your money is safe by calling CIB at 19666 and reporting what happened. Each ATM has a unique identification number, so please make sure to tell us which machine it is.
Yes, once the Equal Payment Plan is activated, you will receive an SMS on the registered mobile number with all the Equal Payment Plan details and the first due date. Also, you can check your request status from our Mobile Banking app.
Whenever a transaction is declined on InstaPay, CIB will automatically reverse the transaction to your bank account immediately. In case the transaction is not reversed, please contact CIB’s customer service at 19666 and provide them with the transaction’s reference number to track it.
  • You can activate the biometrics feature during your first login or by clicking on “Profile” at the top of the page
  • Click on the “Toggle” button next to “Login using the biometrics feature”
  • Check the box to agree to the terms and conditions
  • Click on “Activate Now”
  • Enter your current password, then click on “Continue”
  • Enter the OTP received via SMS on your registered number
  • Biometric feature activated successfully

You can register to Online Banking using one of the below methods:

  1. Account number
  2. Passport number
  3. National ID number
  4. Debit or credit card number
Since visiting a CIB branch will not be accessible to you, an exclusive service to meet your needs and proceed with your requests while abroad through recorded calls will be available. This allows you to conduct a number of requests, such as issuing certificates of deposits, chequebooks, replace debit cards, open or close sub accounts and more. To enroll, please sign the request form during your next CIB branch visit and get started!
Simply, fill in the OTP form in the branch, with your account number that you will use for the external transfers and download the CIB OTP token app or purchase a hard token and activate it through the Online Banking from “Token Activation” under the requests tab.
Simply, fill in the OTP form in the branch, with your account number that you will use for the external transfers and download the CIB OTP token app or purchase a hard token and activate it through the Online Banking from “Token Activation” under the requests tab.
  • When performing any transaction, you can select the star symbol next to “Add to Favorites” on the top right corner of the screen.
  •  Click on the star to highlight it.
  • Complete the transaction successfully, so that it can be added to your “Favorites.”

To perform a financial transaction:

  •  Select the transaction you would like to perform from your “Favorites.”
  • Press and hold the payment button to proceed, then enter your PIN number to complete the transaction.
IPA stands for Instant Payment Address. It is a simplified address for your account, which can be used to send and receive cash transfers instead of a full bank account number or card details. Think of it as an email address that can be used to transfer money.
The maximum deposit limit with a card is EGP 100,000 per day, and EGP 20,000 per day without a card.

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.

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.

You can register on CIB Mobile Banking services using any of the following:

  • National ID
  • Account Number
  • Passport Number
  • Active Debit/Credit Card Number
If you have not received the OTP you could request to resend the OTP by clicking the "Resend OTP" button on the screen up to 5 times. If OTP is still not received, please contact CIB Call Center 19666 to ensure that your mobile number is updated on the banking system.
If you have not received the OTP you could request to resend the OTP by clicking the "Resend OTP" button on the screen up to 5 times. If OTP is still not received, please contact CIB Call Center 19666 to ensure that your mobile number is updated on the banking system.

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