T-Deposit – online fixed-rate deposit available only in Citibank Online.
The interest rate is calculated on an annual basis. Minimum deposit amount – 5000 units of eligible currency.

PLN	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	1,75 %	2,00 %	2,25 %
1 month	2,00 %	2,50 %	2,75 %
3 months	2,40 %	3,00 %	3,15 %
6 months	3,00 %	3,50 %	4,00 %
12 months	2,00 %	2,40 %	2,70 %
24 months	1,75 %	1,75 %	1,75 %

USD

	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	0,05 %	0,10 %	0,10 %
1 month	0,05 %	0,30 %	0,40 %
3 months	0,20 %	0,40 %	0,50 %
6 months	0,30 %	0,40 %	0,80 %
12 months	0,20 %	0,40 %	0,80 %

GBP

	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	0,05 %	0,10 %	0,10 %
1 month	0,05 %	0,20 %	0,20 %
3 months	0,10 %	0,30 %	0,30 %
6 months	0,15 %	0,50 %	0,60 %
12 months	0,20 %	0,60 %	0,60 %

EUR

	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	0,05 %	0,10 %	0,10 %
1 month	0,05 %	0,20 %	0,30 %
3 months	0,05 %	0,30 %	0,40 %
6 months	0,10 %	0,40 %	0,50 %
12 months	0,10 %	0,30 %	0,40 %

TIME DEPOSIT IN PLN

Name of the time deposit	Interest rate p.a.	Currency	Tenure period	Minimum amount	Maximum amount
Your Term Deposit	5.60 %	PLN	3 months	PLN 1 000	PLN 20 000

Customer may open Your Term Deposit under above conditions only once, for an amount up to PLN 20 000 inclusive.

Your Term Deposit is available for Account holders at a Branch, via Citibank Online or CitiPhone.

Your Term Deposit has no renewal option (inability to extend for the next contractual period). On the day Your Term Deposit ends, the funds will be transferred to a personal account, from which the deposit was opened.

Time Deposits Fixed-rate Deposit. The interest rate calculated on an annual basis. Minimum deposit amount – 5000 units of eligible currency.
Should the deposit be byearen before the maturity date, the deposited funds will not be subject to interest.

PLN

	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	1,75 %	2,00 %	2,25 %
1 month	2,00 %	2,50 %	2,75 %
3 months	2,40 %	3,00 %	3,15 %
6 months	3,00 %	3,50 %	4,00 %
12 months	2,00 %	2,40 %	2,70 %
24 months	1,75 %	1,75 %	1,75 %

USD

	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	0,05 %	0,10 %	0,10 %
1 month	0,05 %	0,30 %	0,40 %
3 months	0,20 %	0,40 %	0,50 %
6 months	0,30 %	0,40 %	0,80 %
12 months	0,20 %	0,40 %	0,80 %

GBP

	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	0,05 %	0,10 %	0,10 %
1 month	0,05 %	0,20 %	0,20 %
3 months	0,10 %	0,30 %	0,30 %
6 months	0,15 %	0,50 %	0,60 %
12 months	0,20 %	0,60 %	0,60 %

EUR

	CitiKonto / Citi Priority	Citigold	Citigold Private Client
1 week	0,05 %	0,10 %	0,10 %
1 month	0,05 %	0,20 %	0,30 %
3 months	0,05 %	0,30 %	0,40 %
6 months	0,10 %	0,40 %	0,50 %
12 months	0,10 %	0,30 %	0,40 %

TIME DEPOSIT IN PLN

Name of the time deposit	Interest rate p.a.	Currency	Tenure period	Minimum amount	Maximum amount
Your Term Deposit	5.60 %	PLN	3 months	PLN 1 000	PLN 20 000

Customer may open Your Term Deposit under above conditions only once, for an amount up to PLN 20 000 inclusive.

Your Term Deposit is available for Account holders at a Branch, via Citibank Online or CitiPhone.

Your Term Deposit has no renewal option (inability to extend for the next contractual period). On the day Your Term Deposit ends, the funds will be transferred to a personal account, from which the deposit was opened.

Citigold, Citigold Private Client

If you are using the overdraft for up to any 7 days in a month	If you are using the overdraft for more than 7 days a month
0.00%	16,00%

Citi Priority, CitiKonto

If you are using the overdraft for up to 7 days a month.	If you are using the overdraft for more than 7 days a month.
0.00%	CitiKonto (opened on or after 01.09.2020 r.), Citi Priority	17,25%
	CitiKonto (opened on or before 19.08.2020 r.)	18,50%

Credit Cards

Types of cards	Citibank Silver, Citibank-BP PAYBACK Silver, Citibank World MasterCard, Citi Simplicity	Citibank Gold, Citibank-BP PAYBACK Gold, Citibank PremierMiles	Citibank – BP Motokarta	Citibank Platinum	Citibank MasterCard World Signia Ultime/ Citibank World Elite MasterCard Ultime
Interest rate charged on Non-Cash Card Transactions in the case of default on timely and full repayment of the Outstanding Balance as well as the interest rate charged on Cash Transactions and Special Transactions for agreements concluded on or before 30 November 2018	18,5% p.a.	18,5% p.a.	Not applicable	18,5% p.a.	18,5% p.a.
Interest rate charged on Non-Cash Card Transactions in the case of default on timely and full repayment of the Outstanding Balance as well as the interest rate charged on Cash Transactions and Special Transactions for agreements concluded on or after 01 December 2018	18,5% p.a.	18,5% p.a.	18,5% p.a.	18,5% p.a.	18,5% p.a.
Interest rate charged on the ‘Comfort’ Installment Payment Plan opened on or before 30 November 2018	18,5% p.a.	18,5% p.a.	Not applicable	18,5% p.a.	18,5% p.a.
Interest rate charged on the ‘Comfort’ Installment Payment Plan opened on or after 01 December 2018	18,5% p.a.	18,5% p.a.	18,5% p.a.	18,5% p.a.	18,5% p.a.

Interest on Cash Transactions and Non-Cash Transactions executed with a Credit Card is calculated using the following formula: the interest rate provided in the table is divided by 365/366 days (depending on the actual number of calendar days in the year). Based on the daily rate thus calculated, the interest is calculated for each calendar day in which the Client is using the credit on the Card.

If the Card type is changed, the interest rate applied to transactions made before the date of such a change is the interest rate applicable on the Transaction date to the given Card type used to execute the Transaction.

Interest on the ‘Comfort’ Installment Payment Plan is calculated using the following formula: for the first installment and installment calculated in the case of early repayment, the interest rate provided in the table is divided by 360 days and, based on the daily rate thus calculated, the interest is calculated for each calendar day in which the Client is using the Plan.

For other installments, the interest rate provided in the table is divided by 360 days and calculated for 30 days in a month (irrespective of the actual number of days in the given month).

Starting December 21, 2013, the cash loan interest include fixed commission rate and variable WIBOR rate (3-month).

• Maximum cash loan interest rate: 18,5%
• Commission rate: up to 20% of the cash amount

Home Loan

Home Equity Loan