Financial Revolution

CitiKonto Personal Account

Choose a free CitiKonto Personal Account
with an exceptional currency exchange offer

Apply for a CitiKonto >

Discover the revolutionary offer of CitiKonto

Daily banking for

  • for account maintenance
  • for a multi-currency card linked to an account
  • for withdrawals from Citi ATMs
  • for the first four withdrawals a month from ATMs other than Citi’s
  • for domestic transfers via Citibank Online or Citi Mobile
  • for the first three Express Elixir transfers in a given month

Excellent exchange rates

Take advantage of an attractive offer of FX rates dedicated to the Clients having a CitiKonto

EUR Buy Sell

$ USD Buy Sell
£ GBP Buy Sell
CHF Buy Sell

Additional benefits with CitiKonto

Citi Kantor

(Citi Foreign Exchange Platform) Your place to exchange currency


Citi Mobile®

Modern services without limits with a new mobile app



Add your card to Apple Pay or Google Pay and pay conveniently with your phone.

Check Apple Pay
Check Google Pay

Citi Global Wallet

Check how to do online shopping worldwide without conversion costs.


Access to amazing discounts, surprises and awards with Citi Specials

You have access to discounts up to 50% at more than 300 partners.

Discounts up to 10% at over 100 restaurants in Poland

A possibility to exchange points for prizes in the Mastercard® Priceless® Moments (Bezcenne Chwile) Program.

How does Citi Specials work? It is simple! Find a chosen partner or restaurant on the Citi Specials website, pay with a Citi card and enjoy a discount or a surprise!

Additionally, register your card in the Mastercard® Priceless® Moments (Bezcenne Chwile) Program , collect points for card transactions and collect prizes.

See how you can get up to PLN 150 for the start in the special offer:

Deposit at least PLN 100 to your account + Log in to the bank’s mobile app at least once by the end of the first calendar month following the month in which the account was opened.

Pay for your shopping worth at least PLN 100 via Google/Apple Pay no later than by the end of the second calendar month following the month in which the account was opened.

At least once transfer your remuneration of no less than PLN 2,000 no later than by the end of the third calendar month following the month in which the account was opened.

Disclaimer: Limited offer, valid from 1 September 2020 to 20 November 2020. The detailed conditions of receiving benefits specified in the special offer for new Clients of the Bank are included in the Terms and Conditions of “CitiKonto. Financial Revolution” .

Open an account in a few simple steps from home.

Click the “Open an account online” button and fill in the application.

Follow the instructions on the screen, shift to your phone and take a photo of your ID.

Take a photo of your face and follow the instructions displayed on the application’s screen.

Confirm the agreement with an SMS code and that is it, all done!

Learn more about the remote verification from a short VIDEO or HERE

Open account online

The process is available to persons having a PESEL number

CitiKonto Personal Account is a payment account kept PLN.

Remember that you can open a new CitiKonto also at our Smart branches
Check the list of branches

Related products

Credit Line

Open a renewable credit line in the account and receive funds for any purpose


Business account

Monitor the finances of your business in an easy and convenient way


Foreign currency account

Take advantage of a wide offer of the bank’s FX currency solutions


Check out our Citigold private banking offer, which has received a number of awards


According to Euromoney 2020.


For Private Banking Citi Handlowy.y

You can find more information on the following websites:

Personal Account CitiGold

Personal Account CitiGold Private Client

Questions & Answers



Important Information

Bank Handlowy S.A. The “New version of CitiKonto – currency revolution” offer is available to the first 5,000 Clients who, by 20 November 2020, conclude a Deposit Product Agreement with the Bank, on the basis of which they will open a CitiKonto Personal Account and meet the conditions specified in the Terms and Conditions of the offer. The offer shall not be available to, among others, persons applying for a new account who, after 1 January 2020 and until the first day of the offer held, individually or jointly as a joint holder, a personal account or a savings account. A full list of exclusions is available in the Terms and Conditions of the Offer. The “New version of CitiKonto – currency revolution” offer cannot be accumulated with other special offers for the Account.

The Bank may introduce offers on the same or similar terms and conditions in the future.

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 CitiKonto, Citi Priority, Citigold or Citigold Private Client Personal Account is available in the Fees and Commissions Table on: The material is not an offer within the meaning of Article 66 of the Civil Code.


Open a personal account with a selfie even in 10 minutes More

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