Bank safe

Bank safe with Citi Handlowy

Safety is a priority for you. At Citi Handlowy we understand this perfectly. That is why we provide you with a number of solutions that will allow you to make transactions, pay for purchases or open a new product safely - without even leaving your home!

Make contactless card payments without contacting the terminal - up to PLN 100.

Pay with what you always have with you - by phone.

Make online transactions - without visiting the branch.

Order transactions straight from your phone - in the application.

Pay for online purchases with a card or a quick transfer.

Apply for a credit card fully online.

Open an account remotely without visiting the facility.

Avoid contact with cash. Pay by card in the store.

Take a loan without leaving your home.

We would like to remind you how the bank is always at your disposal.

Bank from home

You can do most things without leaving your home or visiting the facility.
Our Citibank Online online banking is available 24/7. With Citibank Online and Citi Mobile you can quickly and conveniently carry out ongoing banking operations.

Log in to Citibank Online Download the Citi Mobile application

Credit support

At this particular time, you may need more time to repay the loan or simply extra cash. That is why we offer you:

Deferment (suspension of performance) of an agreement due to loss of job or other main source of income
If after 13 March 2020 you have lost your job or other main source of income, then, under the Act of 19 June 2020 on subventions to bank loan interest granted to ensure financial liquidity for entrepreneurs affected by the outcomes of COVID-19 („Act”), you may apply for the deferment of a consumer loan agreement and a mortgage loan agreement (provided that you are a consumer and you signed such agreements before 13 March 2020 and the term for which such a loan is granted, as specified in the relevant loan agreement, expires after 6 months from that date).

You may apply for deferment of:
1. one consumer loan agreement (Cash Loan, Loan to Card/Additional Credit Limit, consumer loan agreement within the framework of restructuring tools); and
2. one mortgage loan agreement (Mortgage Loan, Home Equity Loan, Real Estate Secured Loan).
How to apply for deferment of an agreement
1. Sign in to Citibank Online banking service
2. Click “Contact us”
3. Click “Compose”
4. Select “Queries” -> “Credit cards/Credit products” -> “Repayment problems”
5. In the “Enter the message” window:
  - Select the credit product you want to defer,
  - Requested deferment term (max. 3 months),
  - Add the following statement to confirm that you have lost your job or other main source of income:
    
    I declare that I lost my job or other main source of income after 13 March 2020 and I am aware of criminal liability for making a false statement. I acknowledge that the bank reserves the right to verify my declaration that I have lost my job or other main source of income.
6. Click “Submit”
You may also submit your application for deferment of your agreement:
- at a branch of the bank in writing; or
- by mail to the following address:
  Citi Handlowy
  Bank Handlowy w Warszawie S.A
  Biuro Restrukturyzacji i Współpracy z Podmiotami Zewnętrznymi
  ul. Fabryczna 17
  90-344 Łódź
  
  or
- by email to odrocz.rate@bankhandlowy.pl, your message must be sent from the address notified to the bank as the Client’s email address.
Under the Act, your application should include all the information listed below:
- borrower's details (data that make it possible to identify the Client);
- lender’s designation (Bank Handlowy w Warszawie S.A./ Citi Handlowy);
- loan agreement designation (loan account number);
- requested deferment term (max. 3 months),
- declaration of the borrower that he or she has lost his or her job or other main source of income after 13 March 2020, having the following wording:
  
  I declare that I lost my job or other main source of income after 13 March 2020 and I am aware of criminal liability for making a false statement. I acknowledge that the bank reserves the right to verify my declaration that I have lost my job or other main source of income.
If you want to send your application by mail or email, please use the following form: Application for deferment (suspension of performance) of an agreement due to loss of job or different main source of income.

Please make sure that your application is complete. Bank may only process those applications that include all the above details.
Bank will confirm that your application has been received within 14 days after it is delivered.

Conditions of deferment of an agreement

Under the Act, an agreement may be deferred (by suspending repayments) if the Client meets all of the following conditions:
1. Client (borrower) is a consumer and lost his or her job or other main source of income after 13 March 2020;
2. Loan agreement was signed before 13 March 2020 and the loan term set out in the agreement expires after 6 months from that date;
3. Client (borrower) has submitted an application for deferment of the agreement in accordance with the Act and the application includes all the details required by the Act (the process to submit an application and the list of required details are presented above).
Rules of deferment of an agreement
1. The performance of an agreement will be suspended with effect from the date the application is delivered to the bank for the time requested in the application (max. 3 months).
2. As long as the agreement is deferred, installments need not to be repaid, except for insurance contributions/fees (see the insurance section below). In consequence, the loan term will be extended by the number of months for which the deferment of the agreement has been granted.
  EXAMPLE: A Client asks the bank to suspend repayments under his cash loan agreement for 3 months. The next 3 installments will be deferred. The nearest installment payment date is 5 July 2020 and, according to schedule, the last installment will be paid on 5 September 2024. The repayment of installments due on: 5 July 2020, 5 August 2020 and 5 September 2020 will be deferred till the end of the loan period, which is extended by 3 months. According to the new schedule, the last installment will be payable on 5 December 2024.
3. As long as the agreement is suspended, no interest will accrue and no fee will be collected, except for insurance contributions/fees (as described in the following insurance section).
4. If a Loan to Card/Additional Credit Limit agreement is deferred, principal and interest installments will not be booked on the Card account and will not be payable during the deferment period. In the deferment period, the Loan to Card/Additional Credit Limit will not be presented on Card statements and the relevant information and repayment schedule will be available in Citibank Online in the Installments tab.
5. If a Client uses repayment deferment on terms and conditions other than those specified in the Act, the period of such deferment will be shortened with effect from the date of delivery to the bank of an application for deferment of the agreement (in accordance with the Act).
6. 6. The bank notifies the Credit Information Bureau (“BIK”) of deferral of repayments under a loan agreement pursuant to Article 105(4i) of the Banking Law.
Information on insurance premiums and fees
1. If a Client uses the “Safe Installments” insurance for a Cash Loan Agreement, the Client will be covered by insurance protection during the term for which repayments under that Loan Agreement are deferred. The Client has already paid the premium in advance, as a single payment, for the entire insurance period, on the date of disbursement of the Cash Loan. An extension of the loan term as a result of deferment of the loan agreement does not extend the insurance coverage period. The Client will be covered by insurance protection during the original term of the Cash Loan, for which the insurance premium has already been paid.
2. If a Client uses the “Super Safe Installments” insurance for a Cash Loan, the insurance premium needs to be paid every month during the entire period for which the Cash Loan has been deferred in order to continue such insurance coverage. The amount of such monthly premiums payable during the period for which the Cash Loan has been deferred will be determined in the confirmation of deferment of such agreement. The extension of the loan term as a result of deferment of the loan agreement will automatically extend the insurance coverage for consecutive monthly insurance periods, provided that the insurance premium is paid for those periods. If the insurance premium is not paid during the period for which the Cash Loan has been deferred, the insurance coverage will expire in accordance with the General Terms of Insurance.
3. If a Client uses a Loan to Card/Additional Credit Limit in connection with his or her credit card and, at the same time, has the “Credit Shield” insurance, the insurance coverage will be continued during the term for which the performance of the Loan to Card/Additional Credit Limit agreement has been suspended. The insurance premium, which is calculated on the basis of the card debt balance in accordance with the General Terms of Insurance, will still be collected and booked on the card account, resulting in an increase in the debt amount which the Client has to repay, in the same way as before the agreement was suspended.
4. If, in connection with a Mortgage Loan /Home Equity Loan, a Client uses a group real property insurance offered by the bank, then, in order to continue his or her insurance coverage during the period for which the Mortgage Loan/Home Equity Loan agreement has been suspended, the Client will have to pay, every month, an amount equal to the fees due for his or her real property insurance. If any fees that are due are not paid, the bank will collect such fees together with the first loan installment after the deferment of the Mortgage Loan / Home Equity Loan agreement is ended. The Bank will notify the Client of the amount of the monthly fee payable during the period for which the Mortgage Loan / Home Equity Loan has been deferred in the confirmation of deferment of such agreement.

How we operate

Because we take special care of the health and safety of our clients and employees, we recommend that banking formalities be handled using remote channels. See how our other service channels work:

Contact with infoline
At the same time, we would like to inform you that the waiting time for connection with CitiPhone advisor may be extended, due to the fact that part of employees remained at home after the decision to close schools and kindergartens. Sorry for the inconvenience..

Because of that our telephone helpline service focuses mainly on the following inquiries:
1. lost or stolen cards
2. reporting frauds
3. complaints related to transactions
4. problems with access to Citibank Online or Citi Mobile.
In case of other matters, please use Citibank Online internet banking service or our mobile application.
Order for a branch
Quick access: login to Citibank Online and order Cash
Access path:
Contact us ⇨ Compose ⇨ Disposals ⇨ Personal Accounts ⇨ Order cash at the Branch

What information should I submit?
1. Account, from which payment will be done (choose from list). In “Your message”, please include:
2. Amount and currency of withdraw
3. Branch, to which send the cash (city, street, location) /en/map-branches-atms.html
4. Date of cash withdraw – at least 3 workdays from order date.
The Bank reserves the right to deliver the cash ordered in denominations available at the Bank.

Important. If the ordered cash is not collected, the account indicated for payment will be charged according to the Fees & Commissions Table.

Shop online

PAY WITH THE CARD

Shopping without leaving your home? Of course! Pay securely with a credit or debit card. All our cards have the functionality of paying via the Internet. And additionally, your transactions are secured with 3D-secure technology.

Find out how to use card online

On the debit card, you must activate the online payment option in Citibank Online. You can also change transaction limits for online payments with credit and debit cards online.

PAY WITH FAST TRANSFER

You can also securely pay for purchases with a quick transfer by selecting the option 'I pay with Citi Handlowy'. Now, as a source of funds, you can choose not only a personal account, but also a credit card. Of course, without fees.

Find out how to use card online

Visit to the store

If you need to go to the store, keep maximum security, including paying for purchases:

Pay with a card instead of cash

Pay for your essential purchases with a credit or debit card - more convenient, safer, no cash in hand.

Check more reasons to pay with Citi card - discover over 300 special offers in the Citi Specials Benefits Program.

Check out

Pay contactless

When paying with a credit or debit card, remember about the possibility of contactless payments. Do not release the card from your hand, and for transactions up to PLN 100 you do not have to key in a PIN at the terminal.

We hereby inform that as of 21 March 2020 you can make contactless payments with all payment cards of Citi Handlowy up to the amount of PLN 100 without the need to enter your PIN code (previously PLN 50) at POS terminals adjusted to the change of limit.

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Pay with your phone

You can safely pay for your purchases with what you always have with you - with your phone. Add a Mastercard credit and debit card to the Google Pay app or add a card to Apple Pay and pay more securely - without cash - and more conveniently.

Check more for iOS operating system
Check more for Android operating system

Fraud warning

Polish Police Headquarters and FinCERT.pl – BCC (Bank Cybersecurity Center) of the Polish Bank Association (ZBP) warn against fraudulent announcements concerning, e.g., a need to pay for a vaccine against the COVID-19 coronavirus or NBP’s seizure of clients’ funds deposited with banks as the so-called national reserves of NBP (National Bank of Poland).
We warn you against fraudulent information regarding the coronavirus (COVID-19) epidemics encouraging the bank clients to perform financial transactions. This warning is aimed at the clients of all Polish banks.
If you suspect that you have been a victim of online fraud, report it immediately to your bank, the nearest Police unit, and then to the Incident Response Team CERT.PL (available here: https://incydent.cert.pl/). The above-mentioned institutions will provide you with information on the next steps/actions.

Remember! Citi never asks in e-mail / SMS messages about:

providing confidential data, including: one-off SMS authorization codes, payment card data, card PIN, phone data (e.g. number, brand, model of your camera),
installing / updating software or security certificates on your computer / phone.

More useful information on secure banking can be found on our website: here

ADDITIONAL INFORMATION

Current information about COVID-19 can also be found here:

Information prepared by the State Sanitary Inspection – gis.gov.pl
Information prepared by the Ministry of Health – www.gov.pl/web/koronawirus