Internet Banking Basics
Internet Banking brings banking to your fingertips. You can access your bank account and perform all banking operations online, at your own convenience, from anywhere in the world. All you need for this is an Internet Banking User ID and IPIN from Citibank.
An Internet Banking User ID can be minimum of 6 characters and a maximum of 50 characters and can be letters or alphanumeric. An IPIN is your internet banking password. Citibank Online can be accessed by authenticating your User ID and IPIN. You can select/ change your User ID and IPIN anytime you wish online.
At Citibank, we are committed to making your online banking experience safe, secure and pleasant. Online Security pertains to the actions we take as well as measures we recommend for you that will keep your account safe from any attempted fraud.
Sending a fraudulent E-mail is a type of malpractice that aims that siphoning your sensitive personal information from you, also known as phishing. This E-mail is forged to look like a legitimate E-mail from a trusted source, making it very hard to distinguish from a genuine communication. You must become extra careful while handling any E-mail, no matter how genuine-looking, (e.g., from an E-mail address like support@Citibank.com or customercare@Citibank.com) that asks you to:
Citibank customers have received fraudulent E-mails claiming to be from Citibank from time to time. This does not mean that any of Citibank's security systems were breached. However, we are committed towards checking such malpractices. We encourage our customers to report any such incident so that we can bring it in the notice of appropriate law enforcement agencies to investigate them. If you receive any suspicious E-mail, delete it immediately and notify your local Citibank customer service officer.
To ensure that you are going to an authentic Citibank site, type in the entire Citibank website address - www.citibank.co.in - into your Internet browser instead of clicking on any link directly.
Statement on E-mail
Statement on E-mail is a soft copy of your Credit Card or Account Statement that is delivered to your E-mail address. The standard format for sending the account statement is the PDF format.
PDF is an acronym for Portable Document Format (PDF). It is a universal file format created by Adobe to provide a standard form for storing and editing printed publishable documents. To view PDF files, you need to download the Adobe Acrobat Reader application, which is available for free from Adobe's website.
It is recommended that you use Adobe Acrobat Reader version 5.0 or above, as older versions of Adobe Acrobat Reader do not support this feature.
Yes, you can. To download your statement, just click on the 'Download' link in your E-mail and save it on your computer.
To take a print:
The unique password for your Statement on E-mail comes in a 8 character alpha numeric format, which is a combination of the first four letters of your name (as mentioned on your Credit Card or Account Statement), followed by the first four numbers of your date of birth (in DD/MM/YYYY format). For example, if the name on your Card or account statement is Rahul Gupta and the date of birth is 01-02-1969, then your password will be 'RAHU0102'. This password is not case sensitive. Please do not include any spaces, dots or any other special characters while entering the password.
A password confirmation window will open asking you to enter the password. You simply have to key in your unique password in the confirmation window. Once the password is confirmed, you can view your statement.
Your Statement on E-mail is sent to you in a 128-bit encrypted format and can only be viewed using your unique password, making it completely safe and secure.
This error message means that the Adobe Acrobat version that you are using is not Adobe Acrobat Reader 5.0 or above. Please download the latest version of Adobe Acrobat Reader from here.
No. PDF is the only format through which you can receive your Credit Card or Account Statement on E-mail.
You can change the E-mail address at which, you wish to receive your Statement on E-mail by visiting Citibank Online. Login to your account using your IPIN and select 'Update Contact Details' to change your E-mail address.
Please ensure you enter the password in the correct format - i.e., first 4 letters of your name, as it appears on your card, and first four numbers of your date of birth, as per the DD/MM/YYYY format. Please do not include any special characters. If you are still unable to open, please call our 24-Hr. CitiPhone Priority Service Numbers, our CitiPhone officers will be happy to help.
Citi Mobile Facts
Citi Mobile is a mobile banking solution that allows you to access your account using a mobile device, to view account related information, transfer funds, pay bills and much more.
Citi Mobile can be accessed on the mobile browser or downloaded as an application onto your mobile. You can then login using your User ID and existing IPIN. Hence, this is different from the existing SMS based mobile services like CitiAlert and CitiAlert on Demand.
Citi Mobile can now be accessed in two ways: Visit us on your mobile browser, at m.citibank.co.in. If you have a Smart Phone, you can download the App by sending an SMS MBANK to 52484. iPhone and Android phone users can download the Citi Mobile App from App Store and Android Market respectively.
You can view the list of Citi Mobile compatible handsets by clicking here.
In case you do not know your handset model, please check the phone manual provided with the same. The handset model/number may be printed beneath the battery inside the handset. Some corporate BlackBerry phones may not allow installation of 3rd party applications.
Citibank Bill Pay is a service that offers another unfair advantage to its customers. It eliminates the queues from your life and also the perpetual hunt for the drop boxes to pay your bills. You can now pay all your bills from your Citibank account and can even set up standing instructions for automatic bill clearance from your account. You can also set maximum bill payment limits.
Citibank provides Citibank Bill Pay Service exclusively for its customers, both Cardmembers and Account Holders. It is a service designed to make waiting at collection centres and trip to drop boxes a thing of the past.
Citibank Bill Pay allows you to pay your bills through various channels, such as, Citibank Online, CitiPhone or Citi Mobile. You do not even have to remember the due date of your bills, as you can set up SMS reminder alerts for the same.
Citibank Bill Pay helps you pay several types of bills, such as phone, electricity, insurance premiums, donations, subscriptions etc. Click here to see a complete list of billers.
You can pay your bills using Citibank Online, Citi Mobile and CitiPhone.
Citibank Bill Pay service is completely safe and secure as Citibank practices all safety protocols as per industry standards and guidelines.
All transactions done through Citibank Online are free for Credit Cards, NRI, Suvidha and Citibank banking customers. For transactions done using CitiPhone, a charge of Rs. 25 per transaction will be levied only for Suvidha customers.
You will still continue to receive your physical bills when you use Citibank Bill Pay.
All Citibank Cardmembers and banking Citibank customers can use Citibank Bill Pay services.
There is no need to subscribe to Citibank Bill Pay service. Any Credit Cardmember or Citibank banking customer can make bill payments through Citibank Online, Citi Mobile or CitiPhone.
Yes, you can. The bills will be cleared automatically as per the standing instructions only till the maximum limit that you have set.
Prepaid Mobile Recharge
The Mobile Prepaid Recharge facility allows you to recharge your Prepaid mobile connection by using your Citibank Credit / Debit Card, which you can do from anywhere, anytime. This service is available free of charge.
You can use either of the following secure and simple channels:
Procedure for using Citibank Online to recharge your prepaid mobile:
Procedure for using Kiosks at Citibank ATM Centres to recharge your prepaid mobile:
Procedure for using SMS to recharge your prepaid mobile: Recharge via SMS service has been withdrawn. You can recharge your prepaid mobile connection by logging into Citibank Online, visiting a Citibank Kiosk or by calling 24-Hr. CitiPhone Priority Service Numbers.
The Online Authorisation Code (OAC) is delivered to the registered E-mail ID and mobile number. If you do not receive the same, it may be due to change in your contact details have changed. If yes, then you can update it by logging into Citibank Online. However, for security reasons, the OAC will not be delivered to the new E-mail ID and mobile number next 30 days. You can still receive the OAC in this case by calling 24-Hr. CitiPhone Priority Service Numbers. In case your contact details have not changed, please try to generate the OAC again and check if it gets delivered. If the is still not resolved, please contact our customer care department.
No. Your Prepaid card will be refilled with airtime after subtracting fixed rentals, service tax, etc. as levied by the Cellular Operator from the amount indicated by you. This will be the same amount as is usually deducted by the Cellular Operator for Prepaid recharges (please contact your Operator for details of these charges). Citibank will not deduct any charges from the customer towards provision of this service.
Yes, the upper limit for recharging your account is Rs. 5,000 per transaction. Please contact your mobile operator for more details.
This service is currently available for prepaid connection users of the following mobile service providers: Airtel, Vodafone, Aircel, Idea, Reliance, Tata Indicom, BPL Mobile, BSNL and Virgin.
You can recharge any number of Prepaid mobile connections on your Citibank Credit / Debit Card.
This service is absolutely FREE for all Citibank Credit Card and Savings Account customers. In fact, you get Reward Points on your Citibank Debit / Credit Card.
CitiAlert is an Internet-based notification system that you can use to keep up-to-date with your account information. You can receive these alerts as an SMS or as E-mail. You can control the frequency of these messages. You can choose to receive these messages:
You would need to register for the service, which is a one-time process. You can now set alerts for your account, choosing their content and periodically. You can subscribe or unsubscribe for any alert anytime.
You can use any on the following channels to register for CitiAlert:
Citibank Online registration process:
CitiPhone registration process:
Registration by Physical form submission:
Yes, you can access this service through any mobile phone.
It simply means that the event for which you have set up the alert has taken place and the CitiAlert for the same has been generated to be sent out to you as SMS or E-mail, as indicated by you. Some of the triggers are processed in a batch mode and hence you may be sent the message after a certain time lag. For the first instance the alert will be sent to you as and when the event is triggered. Subsequently it will be sent based on the frequency you have selected.
In case of SMS alerts, you will receive a text message which you will able to view like any other message. In case of E-mail alert, you will be able to see the sent alert whenever you login to your E-mail account.
You can select the frequency for certain alerts. You can decide to receive these messages:
As event occurs:
Most cellular operators in India do not charge customers for receiving messages (terminating on the handset) on the mobile phone. Please check with your cellular operator for more information.
No, the alert will be delivered to your registered E-mail address.
All Citibank customers can avail of this service.
You can place your request for account/Credit card details by sending any of the keywords mentioned in the table below to 52484 as an SMS:
Eg: If you want to fetch your account balance and if the last four digits of your debit card number is 7656, the content of the SMS to 52484 should be BAL 7656
If you are NOT on Aircel / Airtel / Vodafone / Idea, please send the SMS to +919880752484
|Bank Account Holders|
|BAL XXXX||Account Balance|
|SAL XXXX||Last Salary Credit in Bank Account|
|ATM <Location>||Nearest ATM|
|CHQBOOK XXXX||New Chequebook|
|Credit Card Holders|
|Total Amount Due, Minimum Amount Due and Payment Due Date|
|CARDBAL XXXX||Credit Card Outstanding with Available Credit Limit|
XXXX is the last four digits of Credit / Debit Card
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