Debit card payments for purchases at online and bricks-and-mortar shops worldwide without conversion costs.

Just activate the Citibank Global Wallet service, and your debit card will make a smart selection of one of your FX accounts by matching it to the transaction currency.

Remember to have sufficient funds on your FX accounts when paying in FX or executing FX transactions. If the funds are insufficient, the transaction will be settled from your default account to which your debit card is linked.


Withdraw cash from any ATM overseas with no Citi Handlowy fee

you don’t have to look for a Citi ATM or worry about additional costs.

Going abroad?

Activate Citibank Global Wallet in the CitiMobile app and discover convenient debit card payments at shops across the globe.

Pay for your shopping in a foreign currency, and your debit card will select one of your FX accounts based on the transaction currency.

  • Pay for your shopping in USD, EUR and GBP without conversion costs;
  • Withdraw cash from all ATMs worldwide without Citi Handlowy's commission.

Pay with debit card

  • make cashless payments using the contactless function of the card or by adding your debit card to the Apple Pay or Google Pay e-wallet
  • and remember that your purchases at online shops are supported by Chargeback, which allows you to recover funds in case of an unsuccessful purchase transaction;
  • and take advantage of discounts and special offers under Citi Specials;
  • and join the Mastercard Priceless Moments program, collect points and exchange them for prizes;


If you are paying in a currency other than the currencies of your FX accounts, we recommend that you link your debit card to the FX account in EUR.

Dynamic Currency Conversion

When withdrawing cash or making card payments abroad (also online), you can use the Dynamic Currency Conversion service (DCC) offered by selected points of sale and ATMs. With DCC, a Cardholder may select his/her domestic currency instead of the local currency to make payments (the domestic currency for cards issued by Citi Handlowy is PLN).

In practical terms this means that when making a payment, you receive information on the transaction’s value in PLN and the exchange rate of the local currency into PLN.

Please be advised that DCC may not be favorable to a Client of Citi Handlowy (Holder of a debit card to the Personal Account) if a transaction in PLN is executed under DCC and then settled on the account in PLN when it could be settled on the account of the transaction currency (EUR, USD, GBP). The amount of such a transaction will be converted into PLN at the exchange rate of the settlement agent (DCC).

DCC is not a service offered by Citi Handlowy and is optional.

Important! The amount of authorized transaction may differ from the amount of transaction and from the amount posted on your account.

Free of charge service that lets you transfer funds instantly from your Citi Handlowy account to other Citi accounts overseas:

money is available to use in the recipient’s accounts immediately after it has been sent
recipient doesn’t pay anything for the received money
now you can send up to 50,000 in PLN or currency equivalent via Citibank Online Electronic Banking Service free of charge
CGT are available in more than 15 countries worldwide

If you transfer funds between accounts in two different currencies, you will be informed of the currency exchange rate to be applied before you submit the transfer order for completion.

This service lets you withdraw cash from your account in any Citi branch worldwide in the event when you lose your cash and cards while abroad.

The cash will be paid out to you in the local currency after you present your valid passport. You can withdraw no more than an equivalent of USD 1,000 (or USD 10,000 for Citigold and Citigold Private Client) – and the cash will be paid out from any of your Citi Handlowy accounts provided that there are sufficient funds in the account.

Personal accounts

Choose the account that matches your needs

Compare our accounts and see which credit card matches your needs best.

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