Types of API-based cooperation with Citi Handlowy:


A Partner consumes a selected API under an agreement between the Partner and Citi Handlowy. An example of such cooperation is the use of an acquisition API, which allows the Partner to offer Citi products (collecting applications or a full application process for a credit card).

A regulatory API under PSD2

Pursuant to PSD2, from September 14, 2019, licensed entities (the so-called TPPs) may gain access to API in the scope of account information (AIS), initiation of payments (PIS) and confirmation of availability of funds on an account (CAF).

Participation in the Regulatory Sandbox

Citi Handlowy has been appointed by the KNF (Polish Supervision Authority) as the Operator of the Regulatory Sandbox. Thanks to a formalized integration process conducted in a virtual test environment (Sandbox), it takes the participants of the Regulatory Sandbox (the so-called Testing Entities) less time to obtain a license from the KNF to provide AIS, PIS and CAF services. Visit our website to find out the next deadline for sending in applications for the Regulatory Sandbox program.

First steps in the virtual test environment (Sandbox) of Citi Developer Portal

Regardless of the type of cooperation, the first step of an interested entity is always to learn about the available APIs, their structure and documentation, and conduct a test integration. The access to the Sandbox on Citi Developer Portal is public, which means anyone can register there and conduct a test integration with his/her application in a secure environment.

Our Sandbox reflects the structure of the production environment to the best possible extent, therefore a potential migration to the production environment should proceed without bigger problems. Below, we present an instruction on how to do that:

  1. Register on the website Citi Developer Portal. Within a few days you will receive an e-mail confirming your registration and asking you to confirm your e-mail address by clicking on the registration link.
  2. Log in to Sandbox.
  3. Register your application (Register a New App) in section API Keys.
  4. After the app has been registered, you will obtain a Client ID and Client Secret (these are confidential data that cannot be provided to anyone according to the Terms and Conditions of the Sandbox).
    1. Client ID is an identifier which helps us identify the person trying to gain access to API.
    2. Client Secret – is an identifier used for authentication and also applied in the authorization process of inquiries sent through API.
  5. Perform an authentication through Authorize API using Client ID and Client Secret. Sandbox uses the commonly applied OAuth 2.0 standard. Depending on the API with which you wish to integrate, there are two ways of authentication:
    1. Two-Legged – used when the Bank does not provide sensitive or confidential data to the application of a thirty party (e.g. Onboarding API)
    2. Three-Legged – used when the Bank provides sensitive or confidential data to the application of a thirty party (e.g. in the scope of AIS/PIS services – access to account information or payment initiation)
  6. Perform an appropriate integration of your app with the Bank’s API using the documentation available in the Sandbox. Sandbox makes it possible to generate static responses to the sent API commands.
  7. After you have successfully performed the tests, please send an application with a cooperation proposal to the Bank. The applications can be sent using the contact data on this website or via a contact form on Citi Developer Portal.

Available categories of APIs

Citi Developer Portal for Poland offers the following categories of APIs (in the Menu, select API Products > Poland):

  1. Accounts – access to information on payment accounts (current, savings and FX accounts, credit cards) in terms of balance, transaction history and account details.
  2. Authorize – enables verification of a Citi Handlowy client.
  3. Customers – basic information about the Client.
  4. Money Movement – enables initiation of transfers available to Citi Handlowy clients, including instant transfers between Citi accounts in different countries free of charge (CGT – Citi Global Transfer).
  5. Onboarding – a possibility to send credit card and cash loan applications to Citi Handlowy. These can be the so-called short applications, which include basic client information, or long applications – with the full application process covering all client data, initial credit decision, client's documentation and verification.
  6. Pay with Points – using Citi points to pay online.
  7. Utilities – information on values of some APIs.

5. Contact

Thanks to different categories of APIs in our offer, we are ready to create different business models.
If you have acquainted yourself with our Sandbox and have questions concerning potential cooperation, please contact us at:


We make every effort to reply within 3 business days.

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