Personal Accounts

Choose a bank account that's right for you

Discover the convenience of Citi Handlowy Personal Account and get more time for what really matters to you.

Choose a bank account that's right for you

Personal Account

Citi Priority

Konto osobiste

No fees for account maintenance and a fee-free debit card with access to the Mastercard Bezcenne Chwile program

If you maintain a monthly balance of a minimum of PLN 30,000 across any accounts held with us or a monthly inflow of PLN 5,000

  • Citi Handlowy fee of PLN 0 for cash withdrawals from ATMs in Poland and abroad.

  • Next generation branches and mobile app.

  • Citi Specials program – discounts, rewards and presale tickets for top concerts. The Mastercard Bezcenne Chwile point-based program.

  • Multi-currency debit card.

Personal Account


Konto osobiste

The best private banking offer according to Euromoney 2020.

In order to fully enjoy the Citigold banking proposition, you need to maintain a monthly balance of a minimum of PLN 400,000 across any accounts held with us.

  • Free Investment Advisory service.

  • Assistance of your own Relationship Manager supported by a team of experts, including Investment Manager, FX Expert, Insurance Manager, Mortgage Expert and Dealer.

  • Citigold Lounge Pass with 2 free of charge entries to Executive Lounges at Poland’s largest airports.

  • Foreign currency solutions on the best, negotiable terms.

Need a hand choosing the right bank account?
Fill out the contact form.

Open Citi Personal account

Open Citi Priority account

Open Citigold account

Fill out the contact form and our consultant will call you back.

What are the benefits of a Citi Accounts?


Get access to up to 50% discounts, vouchers and rewards at over 300 partners, including 20% discounts at more than 150 restaurants in Poland and access to presale tickets to top concerts.


A point-based program with rewards for transactions made with a Mastercard! Sign up for a program where you can earn points for your debit or credit card transactions. The points can be redeemed for various rewards from the Mastercard Bezcenne Chwile catalogue, e.g. Cinema City tickets.


According to Euromoney 2020.


For Private Banking Citi Handlowy.y

Related products

Citigold Private Client

Your Finances with Citigold Private Client Citigold Private Client was created for individuals seeking a unique and personalized offer.


Savings products

Choose your own way of saving money.


Foreign Currency Account

Pay for your purchases using your account wherever you are in the world


Frequently asked questions

Important information

Citigold and Citigold Private Client Personal Accounts are payment accounts.

Highest position in the private banking ranking Forbes 2020 of 27.02.2020 (source: More details on the Offers, including the conditions of receiving a Prize, are available in the Terms and Conditions of the Offers at the Bank branches and on the website Detailed information on fees and commissions for the Citi Priority, Citigold or Citigold Private Client Personal Account is available in the Fees and Commissions Table on the The material is not an offer within the meaning of Article 66 of the Civil Code.



You can do more with a Citi Handlowy card! Benefit from discounts, get inspired and discover your passion!

Check out the new version of the Citi Specials program!

Visit the website


Discover your passion with Mastercard® Priceless® Specials program.

Join the program, pay with your card and receive prizes. Start something priceless.


Need a hand choosing the right bank account? Fill out the contact form.

The websites of Bank Handlowy w Warszawie S.A. use cookies to ensure the best Citibank Online user experience and collect the data which allow us to optimize the use of our websites optimization and deliver the best marketing experience. If you do not want to install them, go to the settings section in your browser. click here to learn more.