Personal Banking FAQs

• 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

Public Section, no login required:

• Locate the nearest CIB branch and ATM, using Apple or Google maps navigation
• View the bank's social media links
• Contact CIB through e-mail or the call center
• View foreign exchange rates and the currency rate converter
• View Mobile Banking’s terms and conditions and FAQs.

Features requiring login:

• Account Details
• View your accounts, card details, loans, certificates of deposits and time deposits, and mutual funds’ balances
• You can check your statement history through Internet Banking
• Transfers between your own accounts
• Transfers to any CIB or other bank accounts, inside or outside Egypt (OTP Higher Authentication is required)
• Settle your credit cards
• Settle other CIB credit cards (OTP Higher Authentication is required)
• Charity payment (OTP Higher Authentication is required)
• Bank Requests
• Request new chequebooks
• Deactivate lost/stolen credit cards
• Dispute credit card transactions
• Change supplementary card limits
• Inquiries, suggestions and complaints
• Update contact information
• Token Activation

Public Section, no login required:

• Locate the nearest CIB branch and ATM, using Apple or Google maps navigation
• View the bank's social media links
• Contact CIB through e-mail or the call center
• View foreign exchange rates and the currency rate converter
• View Mobile Banking’s terms and conditions and FAQs.

Features requiring login:

• Account Details
• View your accounts, card details, loans, certificates of deposits and time deposits, and mutual funds’ balances
• You can check your statement history through Internet Banking
• Transfers between your own accounts
• Transfers to any CIB or other bank accounts, inside or outside Egypt (OTP Higher Authentication is required)
• Settle your credit cards
• Settle other CIB credit cards (OTP Higher Authentication is required)
• Charity payment (OTP Higher Authentication is required)
• Bank Requests
• Request new chequebooks
• Deactivate lost/stolen credit cards
• Dispute credit card transactions
• Change supplementary card limits
• Inquiries, suggestions and complaints
• Update contact information
• Token Activation

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.         Log into your Internet or Mobile Banking account

2.         Click the “Requests” tab

3.         Select “Manage Smart Wallet”

4.         Choose “Amend an existing Wallet” from application type

5.         Select the desired amendment (Add a card/remove a card/replace a card)

6.         Enter wallet mobile number

7.         Choose the amendment type

8.         Enter your National ID

9.         Choose CIB card type

10.   Enter CIB card number, expiration date, and name on card

11.   Click “Submit”

12.   Click “Confirm” once the confirmation message appears

 

Note: You can only link up to two of your CIB cards to your CIB Smart Wallet.

From the Internet Banking or Mobile Banking homepage:

• Go to “Requests”
• For Mobile Banking: Select “Contact Info” then “Update Contact Information”

           For Internet Banking: Select “Update Contact Information”

• Fill out the form with your updated contact information
• Enter your 6-digit OTP to submit your request

From the Internet Banking or Mobile Banking homepage:

• Go to “Requests”
• For Mobile Banking: Select “Contact Info” then “Update Contact Information”

           For Internet Banking: Select “Update Contact Information”

• Fill out the form with your updated contact information
• Enter your 6-digit OTP to submit your request

1. Log into your Internet or Mobile Banking account
2. Click on the “Requests” tab
3. Select “Manage Smart Wallet”
4. Choose “Open a CIB Wallet” from application type
5. Enter your mobile number
6. Enter your National ID
7. Enter your National ID expiration date
8. Choose CIB card type
9. Enter CIB card number, expiration date, and name on card
10. Click “Submit”
11. Click “Confirm” once the confirmation message appears
12. You will receive an SMS that contains a download link and an activation code
13. Download the CIB Smart Wallet app from either Apple, Google Play or Huawei AppGallery stores
14. Enter your registered mobile number, read and accept the terms and conditions, then enter the activation code that was sent to you via SMS
15. Create your six-digit password

 

Your Smart Wallet is now activated and ready for transactions.

 

 

 

What are the Smart Wallet registration requirements?

• A valid mobile number. (Registered with the applicant’s national ID).
• A valid national ID card.

 

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.

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

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