To ensure safety of your funds, the card that we send you via post is always inactive. You can activate your new card using:

1. Citibank Online – after you have logged in, on the My Finances screen you will find the card that needs to be activated,
2. Citi Mobile app – select Activate card on the My Finances screen.

Your debit card is issued for the period of 3 years. Two months before the expiry of your debit card (the expiry date is stated on your card and in Citibank Online) we will send you a new card with a new expiry date.

The card will be sent automatically – you don’t need to contact us. We’ll send it to your mailing address. Therefore, it is important we always have your up-to-date address – you can easily update it in Citibank Online.

After activation of a new card, the current one becomes invalid and you should destroy it by cutting it along the magnetic line. You cannot use both cards as this will cause a hold and prevent you from executing transactions whether with the old or the new card.

If you are going abroad, it is worth linking your debit card to your foreign currency account. If you are not a Citi Handlowy foreign currency account holder yet, you can open a foreign currency account free of charge at any time in Citibank Online. If you want to learn more, see the section on accounts.

When you get back from your trip and don’t need to make payments in the foreign currency any more, don’t forget to link your debit card to your PLN account again. You can easily do it using Citibank® Online (Settings > Payment Cards > Manage) or Citi Mobile® (Main menu > Debit Card Linkage).

Why is it worth it? This way you avoid paying currency conversion charges when using ATM, making payments at merchants or online. If you want to learn more, see the card payments abroad section. Check how it works during your next travel.

Debit card transactions made abroad (i.e. in shops, hotels, filling stations) might be cleared differently, depending on the situation. Below you can find common scenarios. (Note that below you can find information about the card payments. You can learn more about the ATM withdrawals in the next question.)

If the card is linked to your currency account (EUR, USD, GBP) and the transaction currency is the same as the currency of the account to which the card is linked, the transaction will be posted without any currency differences.

Example:
Your card is linked to the USD account, cash withdrawal of USD 200. The transaction will be cleared without any currency differences and your account will be debited with USD 200.

The debit card’s clearance currency is EUR, therefore if your card is linked to EUR account and the transaction currency is different, the transaction will be cleared by MasterCard from the transaction currency to EUR and then posted in your EUR account.

Example:
Your card linked to your EUR account, the transaction in CZK (Czech koruna). The transaction will be cleared from CZK to EUR at the exchange rate of MasterCard and then posted in your EUR account.

If your card is not linked to the currency account, the transaction made abroad will be cleared twice: 1) from the transaction currency to EUR at the exchange rate of MasterCard, and then 2) from EUR to PLN at the exchange rate from the last Exchange Rate Table applicable on the day of posting the transaction, and the posted in your PLN account.

Example:
A card linked to your PLN account, a withdrawal of CHF 100 (Swiss franc). The transaction will be first cleared from CHF to EUR at the exchange rate of MasterCard, and then from EUR to PLN at the exchange rate from the last Citi Handlowy’s Exchange Rate Table applicable on the day of posting the transaction, and posted on PLN account.

When withdrawing money from ATMs abroad, please keep in mind the following:

Cash withdrawals from Citi ATMs are fee-free all over the world. At our Citibank ATM network, withdrawals in a currency other than the currency of the account to which your debit card is linked are first converted into USD at the Citishare exchange rate and then into the currency of your account at the exchange rate from the last Exchange Rates Table applicable on the day of posting the transaction.

Example:
CHF withdrawal – 1) converted into USD at the Citishare exchange rate, and then 2) converted into the currency of the account to which your debit card is linked at Citi Handlowy exchange rate from the last Exchange Rates Table applicable on the day of posting the transaction.

If you withdraw the currency of the account to which your card is linked to, there will be no conversion and the exact amount of the transaction will be posted on your account.

Withdrawals from non-Citi ATMs: Citi Priority, Citigold and Citigold Private Client account holders may withdraw cash from ATMs all over the world with no Citi Handlowy fee. In certain cases, an additional fee of the ATM’s owner may apply, but you will be informed of this fact before making a withdrawal. Therefore, pay attention to the information displayed on the ATM’s screen.

Sometimes, when withdrawing cash or making a card payment abroad, including online payments, you may be offered to pay in PLN (DCC service offered by selected merchants and ATMs). This service is not offered by Citi Handlowy and may cause double currency conversion. Therefore, we do not recommend it and advise our customers to make payments in the currency of the account to which their debit card is linked.

You can check the interest rate on your Savings or SuperSavings account in Citibank Online by selecting the appropriate account from the start screen My Finances or by looking at the Table of Fees and Commissions.

If you don’t have Saving or SuperSaving account yet, you can open it anytime in Citibank Online.

Interest on the SuperSavings account is calculated on the last business day of the month for which the interest is accrued.

No interest accrues on the SuperSavings account for the month in which a transaction charged to the SuperSavings account was performed.

The interest rate on the funds held in the Savings Account depends on the type of Personal Account. There may be Basic Interest Rate and Maximum Interest Rate.

Basic Interest is calculated on the last business day of the month for which the interest is accrued. Maximum Interest is paid, provided that the Customer meets the necessary requirements, by the 7th business day of the month following the month for which interest is accrued.

Joint account holders receive full access to the personal account via CitiPhone, Citibank Online, Citi Mobile and at the Bank's branch, and each joint holder has the right to independently use the funds held on the Account.

If a power of attorney is established, the agent may, at a Bank’s branch, dispose of funds held on the Account within the scope of the power of attorney. The agent will not have access to Citibank Online or Citi Mobile, and available CitiPhone services will be limited.

Citi Handlowy offers the possibility of sharing an Account or establishing a power of attorney for an account. Orders of that type may be placed at a Bank’s branch by all the parties concurrently signing a Deposit Product Agreement. To sign the Agreement you need an identity document – in the case of Polish nationals, a valid Polish identity card or a valid Polish passport; in the case of non-Polish nationals, a valid residency card issued by a Polish government authority or a valid foreign passport.

All Joint Holders of a single Account must have the same residency status - that of a resident or a non-resident.

A non-resident is a natural person residing outside of the Republic of Poland, who is a non-resident under the provisions of the Foreign Exchange Act;

A resident is a natural person residing in the Republic of Poland, who is a resident under the provisions of the Foreign Exchange Act;