5 Reasons Why It Is Worth Joining Citibank@Work Benefit Program:

Preferential price terms available only to Citibank@Work clients.
Citi Handlowy bankers available at your workplace.
Direct access to your Relationship Manager.
Attractive discounts with the Citi Handlowy Partners.
Citibank Online - convenient and easy online banking available also from your smartphone.

Cash Loan

RENOVATION, VACATION OR MAYBE A NEW CAR? ANY DREAM IS WORTH MAKING IT COME TRUE

Gotówka z Karty Kredytowej - Citi Handlowy

Employee Cash Loan for CB@W Clients:

  • Variable Interest Rate of 7,52% (margin and 3M WIBOR rate)
  • 0% Commission rate
  • Lending period up to 24 months
  • Amount up to PLN 20,000
  • Quick and convenient process

EFFECTIVE INTEREST RATE: 7.79% P.A.


Wypełnij formularz – oddzwonimy!

Effective Annual Interest Rate (EIR) at 7,79%, total loan amount (excluding financed costs) PLN 17 000,00 zł, total amount for repayment PLN 18 363,81 zł, variable interest rate 7,52%, total cost of credit PLN 1 363,81 zł (including: commission PLN 0,00 zł, interest PLN 1 363,81 zł, monthly fee PLN 0,00 zł), 23 equal monthly installments of PLN 765,00 zł and last complementary installment PLN 768,81 zł. Calculation done as of September 11, 2019 r. based on representative example.

Effective Annual Interest Rate (EIR) at 7,79%, total loan amount (excluding financed costs) PLN 13 000,00 zł, total amount for repayment PLN 14 001,70 zł, variable interest rate 7,52%, total cost of credit PLN 1 001,70 zł (including: commission PLN 0,00 zł, interest PLN 1 001,70 zł, monthly fee PLN 0,00 zł), 23 equal monthly installments of PLN 585,00 zł and last complementary installment PLN 546,70 zł. Calculation done as of January 16th, 2019 based on representative example.



DO YOU NEED MORE CASH OR LONGER LENDING PERIOD? OR MAYBE 1 PAYMENT INSTEAD OF MULTIPLE INSTALLMENTS?

Flexi Cash Loan

  • Attractive interest for any purpose.
  • Quick credit decision even within 1 hour following application.
  • Loan amount up to PLN 150,000.
  • Long ending period - up to 10 years
  • Minimum formalities - as an income document we accept a scan of your account with your salary inflows.
  • Convenient process - you can sign the agreement without having to leave your home or meet with our banker.

Apply online

EFFECTIVE INTEREST RATE: 10.67% P.A.


DEVOTE YOUR TIME TO WHAT REALLY MATTERS TO YOU.

  • Consolidation Loan – repayment of one, lower amount instead of multiple debts.
  • Loan to PLN 150,000 for up to 10 years.
  • Possibility to get new, additional cash.
Apply online

EFFECTIVE INTEREST RATE: 10.67% P.A.


PERSONAL ACCOUNT

EVERYDAY FINANCE FOR PLN 0.



CITI PRIORITY DIGITAL ACCOUNT

Account for PLN 0. Real PLN 0.

Check how to get up to 4% on currency exchange with a new Citi Priority account for PLN 0.

Open account

CITI PRIORITY PERSONAL ACCOUNT

Convenient way to manage your personal finances and a number of services and benefits

  • PLN 0 for personal, foreign currency account.
  • PLN 0 for transactions in PLN, GBP, USD, EUR – no currency conversion charges.
  • PLN 0 for cash withdrawals from all ATMs in Poland.
  • PLN 0 for quick cash deposits into your account via Euronet Cash Deposit Machine.
Open account

Citibank Credit Cards

See what offers we have prepared for you and choose a card that suits you best.

Housing Loan

Przestrzeń dla Twoich marzeń – Produkty Hipoteczne

CB@W HOUSING LOAN OFFER:

  • Loan amount up to PLN 6,000,000 (up to 80% of the property’s value).
  • Attractive Interest rate. 1.69% margin and 1% commission rate.
  • Effective Interest Rate 3.59% p.a.

Wypełnij formularz – oddzwonimy!

Mortgage Calculator

PLN
PLN

Installment - CB@W offer: 0zł      RRSO:  %

Installment - standard offer: 0zł      RRSO:  %

CITI SPECIALS

BENEFIT PROGRAM

Oszczędzaj płacąc kartą

Discounts, rewards, surprises are waiting for you! Make yourself feel a bit more special with the Citi Specials Benefit Program where you can find all the benefits that come with your credit/debit card.

Learn more

CITI HANDLOWY MAGAZINE

STAY UP-TO-DATE WITH THE TOP NEWS AND TRENDS

What’s the value of your personal data – all you need to know about GDPR

Some people still remember the days when each door had a plaque with the names of the residents. And now, it’s difficult to even imagine such a situation. The times have changed, and our personal data have become a desired commodity. How much is your name, phone number and email address worth?


More

Bank myth busters and Polish credit cards

Credit cards have accompanied Poles for over 20 years since Citi Handlowy (then Citibank Polska) issued the first credit card in Poland. For two decades, there have developed many untrue stories around the “plastic money” that are now part of the bank mythology. We decided to debunk five most repeated myths about cards.


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The future is in our skills. Constant learning becomes a must

Lifelong learning – is it already a requirement of today or a whim of reality that tires us out, a constant urge for change and pursuit of a better version of ourselves? Will we be learning for our entire lives?


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Effective Annual Interest Rate (EIR) at 7,79%, total loan amount (excluding financed costs) PLN 17 000,00 zł, total amount for repayment PLN 18 363,81 zł, variable interest rate 7,52%, total cost of credit PLN 1 363,81 zł (including: commission PLN 0,00 zł, interest PLN 1 363,81 zł, monthly fee PLN 0,00 zł), 23 equal monthly installments of PLN 765,00 zł and last complementary installment PLN 768,81 zł. Calculation done as of September 11, 2019 r. based on representative example.

Effective Interest Rate for housing loan secured with mortgage is 3,59% with the following assumptions: lending period: 22 years, total loan amount of PLN 360,000, variable interest rate of 3,40%, including WIBOR 3M at 1,71% and margin at 1,69% (margin is increased by 1,3 pp until the entry into mortgage and land register becomes final assuming this will happen within 3 months following the day when the agreement was signed). The total cost of credit is PLN 158,248 including commission rate of 1%, i.e. PLN 3600, interest of PLN 158,029, tax on civil and law activities (PCC) PLN 19,00, cost of making an entry in the land and mortgage register of PLN 200, fee for savings and settlement account PLN 0 (if the monthly inflow into the account is PLN 5,000), total payable amount of PLN 518,248.00 paid in 264 installment payments in the amount of PLN 1,960 after the collateral has been established. To be accepted for the loan, you need to sign the insurance agreement. The calculation made as of 01.03.2019 based on the representative example. The variable interest rate bears a risk of higher installment amount and thus a higher total payable amount.

The Effective Annual Percentage Rate (EAPR) for a mortgage loan secured by mortgage is 5.04%, assuming that: the loan period is 15 years, the total amount of the loan is PLN 250,000, variable interest rate is 4,61%, including: WIBOR 3M reference rate of 1.71% and margin of 2.9% (the margin is increased by 1.3 pp until the entry of the mortgage to the real estate register becomes final and valid, assuming that this takes place within 3 months after concluding the loan agreement). The total cost of the loan PLN 111 583, including: commission of 1.9%, i.e. PLN 4750, interest PLN 106 614, civil law transactions tax PLN 19 (PCC), cost for entering the mortgage in the Real Estate Register PLN 200, fee for the maintenance of a savings and clearing account (ROR) PLN 0 (while maintaining monthly inflows of at least PLN 5000), total amount due PLN 361 583, payable in 192 equal monthly installments of PLN 1880 after creating the collateral. The conclusion of an insurance contract is compulsory in order to obtain the loan. The calculation was performed as at 31/10/2018 on a representative example. The variable interest bears the risk of high installment and thus, the total amount for payment. The above calculations have been made for reference purposes and they do not constitute an offer according to Article 66 of the Civil Code.

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