Personal Banking FAQs

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

• 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

• 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.

• 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.

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

• National ID
• Account Number
• Passport Number
• Active Debit/Credit Card Number

• Log in to your Online Banking account
• Click on “Transfers” on the bottom of the Home Page
• Select “International” under "Transfer Types"
• Choose the beneficiary
• Choose the account you want to transfer from
• Click on “Continue”
• Enter the transfer amount, charge details and purpose
• 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 the top right side of the final screen

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

• 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.

• Concierge Assistance for Seniors: Specialized support for National ID/Passport services, Health and Wellness, and Travel arrangements.
• Partnerships & Offers: Access to a variety of partnerships offering discounts and benefits across travel, retail, healthcare, and dining.
• Summer Events & Experiences: Engaging summer activities and seasonal events catering to a wide range of interests.
• Monthly offers on all CIB cards customized to suit your financial needs.
• Exclusive benefits for the Payroll Customers Perks.
• Vouchers and coupons.

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.

• Download the CIB OTP Token app from your device’s app store
• Log in to your Online Banking account
• When using the Mobile Banking app, click on “More” on the bottom of the home page, then click on “OTP Activation” under “Services”
• When using the Internet Banking service, click on “More", then click on "Services" and select "OTP Activation"
• Choose "OTP Soft Token" and click on “Activate Now”
• An SMS will be sent to your registered mobile number with a clickable link
• Click on that link and all the needed fields will be auto populated in the CIB OTP Token app
• Create a PIN code and confirm it
• A verification code will appear on the screen
• Copy the verification code and enter it on the Internet or Mobile Banking app
• Click on “Continue”
• A success screen will appear, showing the successful activation

• Log in to your Online Banking account
• Click on “Transfers "on the home page
• Select “Charities” under "Transfer Types"
• Select “Charity Category” and then choose the preferred “Charity”
• Choose the account you want to send from
• Enter the amount and click on “Continue”
• Review the Transaction Summary before proceeding
• Click on “Confirm”
• Enter the OTP from your activated CIB OTP Token app
• Transfer submitted successfully
• You can extract “Transaction Receipt” by clicking on the extract button in the top right side of the transaction summary screen