Citigold Private Client Account - Private Banking | Citi Handlowy

Open a Citigold Private Client account

Check how to receive a welcome bonus of PLN 10,000!


The offer is valid for new Customers until December 31th, 2021.

Offshore Private banking with Citi Handlowy
Most Exclusive Card

World Elite Debit Mastercard®

With the most prestigious among all MasterCard cards, Clitigold Private Client gets:

  • Priority Pass card - unlimited access to more than 1200 partner lounges worldwide
  • Free travel insurance (also for their loved ones living at the same address)
  • Concierge services
  • Support in case of card lost
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Citigold Private client - your private banker
Investment advisory

Investment Advisory on Foreign Equity Markets

As part of the Individual Brokerage Services offered by Dom Maklerski Banku Handlowego S.A., Citigold Private Clients have access to capital market products and services, including Investment Advisory on Foreign Equity Funds of more than 20 International Stocks (recommendations as of 2016).

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Experience Private Banking with Citi Handlowy

Products under closed-end subscriptions

We offer Citigold Private Clients a wide selection of structured products which, at the request of the Client and based on the indicators preferred by the Client, will be tailored to individual needs and expectations.

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Unique benefits

Best conditions on Citi Handlowy bank products

Citigold Private Clients get the most competitive conditions on all Citi Handlowy products:

  • Best interest rates on Dual Currency Investments
  • Best currency exchange rates
  • Lowest interest rates on Mortgage Loans
  • Citibank World Elite MasterCard Ultime Credit card free of charge for card maintenance
Support and service

The most experienced financial professionals at Citi Handlowy

Superior services within Private Banking are guaranteed by a Relationship Manager in the rank of Director and support of the team of the most experienced financial professionals at Citi Handlowy. During each meeting at Citigold Private Client branch, you can get support provided by:

  • Citigold Private Client Relationship Manager
  • Portfolio Counselor
  • Foreign Exchange Market Expert
  • Business Adviser
  • Bond Consultant
  • Personal Broker at Dom Maklerski Banku Handlowego S.A.

Contact Us

If you have questions about the offer, or want to become a client Citigold Private Client you can do it here.

Investment and insurance products are available exclusively to the holders of bank accounts at Citi. Investment products, including investment funds, are neither a deposit nor an obligation, and they are not guaranteed by Bank Handlowy w Warszawie S.A. or any of Citigroup subsidiaries or affiliates, save for the investment products issued or guaranteed by Bank Handlowy w Warszawie S.A. or a Citigroup subsidiary or affiliate. In the case of investment products, the issuer of the investment product is under the duty to protect the capital and/or to guarantee interest, if applicable.

The investment products offered by the Bank are not guaranteed by the State Treasury, the Bank Guarantee Fund (except for the amounts due under bank securities and dual currency investments covered by the statutory cash guarantee system pursuant to the provisions of the Act of 14 December 1994 on the Bank Guarantee Fund) or any other government institutions.

The insurance contract is concluded by the Client with the insurer through the Bank. Bank Handlowy w Warszawie S.A. performs the role of insurance agent and is registered in the register of insurance agents kept by the Polish Financial Supervision Authority under number 11120807/A. The Client can verify information about the Bank’s entry in the register of agents by submitting an application to the Polish Financial Supervision Authority.

Investment products carry an investment risk, including the possibility of loss of the capital invested. When making a decision to buy or sell an investment product, the Client shall consider the risk inherent in the investment decision, in particular the possibility of changes in pricing of the financial instruments constituting the object of that decision against the Client’s expectations and the resulting failure by the Client to generate the planned profit.

The sums payable under insurance contracts are secured by the Insurance Guarantee Fund to the extent defined by the Act of 22 May 2003 on mandatory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers Bureau (the Act on Insurance Guarantee Fund). This means that when the Insurer becomes insolvent in the cases defined by the Act on the Insurance Guarantee Fund (IGF), the Fund will satisfy in part the claims of the persons entitled to benefits under life insurance contracts in the amount of 50% of the sums payable, up to an amount not greater than the PLN equivalent of EUR 30,000.00.

Under certain conditions, the negotiability of the Fund Trust Units may be restricted or precluded. The value of the Fund Trust Units may change depending on the developments in the financial markets and changes in currency exchange rates. As a consequence, income from the investment made may increase or decrease. This means that the sum paid out at the end of the investment period may be lower than the originally invested one.

The tax on capital gains (including tax on interest) is payable by the Client. The Bank shall collect, on behalf of the Client, tax dues or withholding tax only when the duty to collect such tax can be expressly derived from the applicable regulations of Polish law or from the double taxation avoidance agreements to which Poland is a party.

The Bank provides the Investment Advisory service only to the Clients who have concluded with the Bank a contract for the provision of this service. The Investment Advisory service is provided by the Bank only in respect of units or trust certificates of open-end investment funds, where the Bank provides the service of acceptance and transfer of orders to purchase or sell (excluding Regular Investment Plans and Individual Pension Account). All details contained herein are for information purpose only and do not constitute an offer within the meaning of the Civil Code or a solicitation for transactions.

Art market – what should you know as an investor? The Webinar will take place on October 21.
Art market – what should you know as an investor? The Webinar will take place on October 21.
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