Citibank is one of the oldest banks, which was founded in 1812 in New York. It was originally called the City Bank of New York and later became the First National City Bank of New York. Citibank has branches in 19 countries worldwide, including India, and Citi bank Netbanking is one of their crucial services.
Citibank has more than 2,649 branches globally, in addition to around 2,000 branches in the United States and Mexico. The advanced banking services offered by Citibank have led to a huge customer base.
Digital banking services are one of the primary facilities of the bank. If you are a new Citibank customer or have not yet used its net banking facilities, you are at the right place. In this article, we will discuss Citibank internet banking registration, login, setting/ resetting of passwords, fund transfer, and more.
So, keep reading to find out how to access these services.
Citibank Net Banking
If you want to utilize all Citibank advance banking services, registering for the internet banking services is crucial. Registering for net banking services helps you access all-important banking facilities at your fingertips. Moreover, sending money to any corner of the country has become so much easier with digital banking.
Moreover, registering for Citibank net banking is easy, simple, and secure. With it, you can manage, monitor, and operate your account from the comfort of your home. We’ll explore more about how to register for internet banking facilities and its features and benefits in the following sections.
Features and Benefits of Using Citibank Net Banking
Citibank internet banking offers numerous features and benefits to its customers. Following are some of the common features and benefits you get to avail yourself when you register for the bank’s net banking services-
- View account statements for the last 18 months.
- View all your transactions
- You can link multiple Citibank accounts with a single login.
- You can sign-up for CitiAlerts.
- You can also use the Spend Analyser to track your spending pattern.
- You can sign up for e-statements.
- You can order demand drafts and cheque books.
- You can edit and view your demand instructions on your account.
- You can access your personal loan details online.
- Citibank net banking has Ask Me, a self-help tool where you’ll get answers to all your queries, and this helpline is available 24*7.
- With the mailbox option, you can send all your queries.
- You can repay your home loans from your Citibank account.
- You can change your mailing address, phone number, and email id.
- You’ll get your User ID and Password to access your account online.
- You can transfer funds within the bank and to any third-party bank using NEFT, RTGS, and IMPS.
- You can view, buy and sell mutual funds.
- You can access your personal loan details online.
- Pay all your utility bills, insurance premiums, etc.
- You can book and withdraw from the wide range of deposit schemes online.
How to Register for Citibank Net Banking?
Citibank net banking registration is quite easy and simple. You just have to follow a few basic steps mentioned below to register and start using net banking features online
Step 1: Visit the official Citibank Website by clicking on this link- https://www.online.citibank.co.in/
Step 2: From the sidebar, click on ‘First Time User? Register Now’.
Step 3: Next, you have to select your ‘Account Type’ and enter your debit card details like- CVV, Card Number, and Date of Birth. Click on the terms and conditions box and then click on ‘Proceed’.
Step 4: Once you click on Proceed, you’ll receive an OTP to authenticate the process.
Step 5: On the next page, you need to choose your ‘User ID and Pin’, and your Citibank internet banking registration will be complete.
Step 6: You can now use the user ID and password to log in.
This is the online registration process, but you can also register for internet banking facilities offline by visiting the bank branch. To do the same, you need to follow these steps
Step 1: Go to your nearest Citibank branch.
Step 2: Ask for the net banking Application Form and fill in all the required details.
Step 3: Make sure to attach all necessary documents. Submit the form at the branch, and your job is done.
Step 4: You’ll receive a welcome kit at your mailing address with the User ID and Password. You can use these credentials to log in to Citibank internet banking.
How to Login to Citibank Net Banking?
Follow the mentioned steps for successful Citibank login and avail all the advanced net banking features with just a few clicks
Step 1: Visit the Citibank Netbanking Login Page.
Step 2: Enter your ‘User ID’ and ‘Password (IPIN)‘ on the new page
Step 3: Click on ‘Login’ and Done.
Citibank Mobile Banking
Registering for mobile banking services makes utilizing the advanced banking features even easier. Citibank has a mobile app that lets you enjoy all net banking features. By getting the app, you can check account summaries, check statements, pay utility bills, and more.
But first, you need to register for the mobile banking features. Here are the steps you should follow for the same-
Step 1: Download the Citibank Mobile App from the Play Store or App Store. Or you can send MBANK to 52484 via SMS.
Step 2: Once the installation is complete, open the app and click on the ‘New User’ button.
Step 3: Select your ‘Account Type’ from the drop-down menu. Now you need to enter your account or card details like ‘ATM/ Debit Card Number’, ‘Date of Birth’, ‘Card Expiry Date’, and ‘CVV’.
Step 4: You’ll receive an ‘OTP’ on your registered mobile number after entering the details. Enter the OTP, click on ‘Continue & Choose User ID’.
Step 5: Now, you need to set up a user ID of your choice and re-enter it. After that, click on ‘Proceed to Choose PIN’.
Step 6: Now, you need to set up a 6-digit password, click on ‘Continue’ and set up a four-digit card pin. Click on ‘Continue’.
Step 7: You have completed your Citibank mobile banking registration successfully.
How to Transfer Funds Using Citibank Net Banking?
One of the best features of mobile/ internet banking is the online fund transfer method. Using this, you can send money anywhere, anytime, with the digital fund transfer. But knowing the IFSC Code of the recipient’s bank is crucial for a successful Citibank online payment or online transfer.
Citibank offers all digital fund transfer modes like NEFT, RTGS, and IMPS to its customers, making instant fund transfers easy. Follow the steps mentioned below to transfer funds using City Bank mobile app
Step 1: Open the City Bank mobile app and log in using your User ID and Password.
Step 2: Click on the ‘Menu Symbol’ on the top left corner of the screen.
Step 3: Now select the ‘Payment & Transfer’, where you’ll see different payment options. If you have to add a new payee, click on ‘Add a Payee’.
Step 4: If you click on ‘Add a Payee’, you’ll find these three options ‘Add Citibank Payee’, ‘Add Other Bank Payees’, and ‘Add Other Credit Cards’. Select the option that’s suitable for the recipient’s account.
Step 5: Next, you need to enter details like Beneficiary Account Number, IFSC Code, Name, Bank Name, etc. Once you fill in all the details, click on ‘Continue’.
Step 6: Review all the details and click on the terms and conditions box. Click on ‘Continue’.
Step 7: You’ll receive an OTP on your registered mobile number. Once you enter the OTP, the payee will be added successfully. If you want to transfer money to the payee you just entered, click on ‘Pay Now’.
Step 8: Enter the amount you want to transfer, give your remarks and click on submit.
Step 9: Review the payment details and click on confirm.
Step 10: You’ll again receive an OTP, enter it and click on continue. After successful completion of the transaction, you’ll see a success message on the screen.
Note: If you have already added payees, you can straightaway select one of the payment options, choose the payee from your list, and enter the amount you want to transfer.
Fund Transfer Limits & Charges
As you have seen, you can transfer funds by using NEFT, RTGS, or IMPS. Each method has a different fund transfer limit and charges, so let’s take a look at them.
|Upto Rs. 10,000||Rs. 2.50 Per Transaction|
|Rs. 10,001 to 1,00,000||Rs. 5 Per Transaction|
|Rs. 1,00,000 to 2,00,000||Rs. 15 Per Transaction|
|Above Rs. 2,00,000||Rs. 25 Per Transaction|
Citibank NEFT transactions are available from Monday to Friday- 8 am to 7 pm and on Saturdays (except 2nd and 4th Saturdays) from 8 am to 1 pm.
|Rs. 2,00,000 to 5,00,000||Rs. 30 Per Transaction|
|Above Rs. 5,00,000||Rs. 55 Per Transaction|
Citibank RTGS transactions are available from 9 am to 5 pm on all days except the 2nd and 4th Saturday.
Citibank IMPS fund transfer is free of charge, so you don’t need to pay any transaction charges for your fund transfers. IMPS transfers are available 24*7, seven days a week, and you can send a maximum of Rs. 2 lakhs on a daily basis.
How to Reset Passwords in Citibank Net Banking?
Here are the steps you need to follow for a Citibank password reset
Step 1: Go to the Citibank official website and click on ‘Login’.
Step 2: Then click on ‘Forget the Pin’.
Step 3: On the next page, you have to select your account type and enter the required details like account/ card number, date of birth, CVV, and click on ‘Proceed’.
Step 4: After entering the details, you’ll receive an OTP on your registered mobile number to authenticate the process.
Step 5: Enter the OTP, and now you can reset your password.
Step 6: You need to enter your ‘New IPIN’ twice and then click on ‘Enter’.
Now you can use your new password to log in to the Citibank internet banking portal.
Making Credit Card Payments Using Citibank Net Banking
Credit card payment is one of the crucial features of Citibank net banking. To avail of this feature, you need to add your credit card as a beneficiary. To add the card as a beneficiary, you need to follow the steps mentioned below-
Step 1: In place of a payee name, add the name on the credit card; in place of an account number, add the card number and add Citibank in the place of the bank name.
Step 2: Now add the IFSC code, which in this case is CITI0000003, and now through NEFT, you can make credit card payments. The process of credit card payment through NEFT is similar to the fund transfer process.
How to Check Your Account Balance?
To check your account balance through net banking, follow these steps
Step 1: Visit the Citibank net banking site and log in using your ID and password.
Step 2: Click on ‘My Account’.
Step 3: Click on ‘Account Balance’, and your balance will be displayed on the screen.
Citibank internet banking offers numerous benefits to its customers and saves the trouble of visiting a bank branch for every little thing. Hopefully, this article has helped you learn all the processes of registering for internet banking and mobile banking services, fund transfer methods, limits, charges, etc.
Following these steps will definitely make utilizing digital banking services easier for you. For further queries, feel free to leave your questions in the comments.
Frequently Asked Questions
What is the Citibank Customer Care Number?
The Citibank Customer care number is 1 (888) 248-4226.
What do you Mean by User ID & IPIN?
Each Citibank customer gets their unique user ID and IPIN when they register for the internet banking services. These are your personal credentials to access all the net banking facilities, without which you cannot use any digital banking facilities.
What if I Forget My IPIN in Citibank Net Banking?
If you forgot your IPIN, you could reset it by visiting the Citibank net banking portal, clicking on the forgot password, and following the steps as directed to reset the pin.
What is the Minimum Balance for Citibank?
The minimum balance for Citibank savings accounts is between Rs. 1 Lakh to Rs. 2 Lakhs. However, these limitations are subject to change so check the bank’s website to get updated information.
Is Citibank a Good Bank?
Yes, Citibank is a reputed bank with more than 2000 branches all over the world. It offers all necessary banking services to make banking experiences smooth for its customers.