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Debit card

Debit Card

Convenient way to pay for your everyday purchases

When you open a Citi Handlowy personal account, you receive Mastercard® PayPass™ debit card that not only lets you pay for your purchases or withdraw cash from ATMs but also offers you a number of additional benefits.

Debit card

Debit card lets you pay for your purchases or withdraw cash from ATMs but also offers you a number of additional benefits.

Our debit card will make your shopping experience even more enjoyable:

you can make quick and convenient payments for your purchases at all types of merchants, including online stores

you can make contactless payments and you don’t need to enter your PIN for low value transactions (the maximum amount of contactless transactions carried out without a PIN is specified by payment organizations)

you can withdraw cash from any ATM and you can deposit cash into your account using Citi Handlowy ATMs and Euronet cash deposit maschines,

you can make deposits and withdrawals in EUR and USD to/from your account with Citi Handlowy using our Bank’s foreign currency ATMs,

you can also withdraw cash from more than 20,000 points marked with Mastercard logo – stores, restaurants, filling stations,

you can make EUR, USD, CHF, GBP, AUD, CAD, CZK, DKK, HUF, NOK, SEK, ZAR payments overseas with no currency conversion costs – just activate the Citibank Global Wallet service,

discounts, rewards, surprises with Citi Specials Benefit Program and Mastercard program - Bezcenne Chwile,

Internet transactions are additionally secured by 3D Secure codes.

Apple Pay

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Google Pay

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Pay for what you want, when you want.

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You can deposit cash into your account quickly and easily using Citi Handlowy ATMs and Euronet Cash Deposit Machines.

Cash deposits with Citi Handlowy ATMs
- The funds are available in your account immediately after the deposit.
- CDMs are available i.a. in Citi Handlowy branches.
- Cash deposits in PLN, EUR or USD, booked on the account indicated by the Customer.
- Find a Citi Handlowy ATM
Cash deposits in Euronet Cash Deposit Machines
- More than 3000 Cash Deposit Machines in shopping malls all over Poland.
- Most cash deposit machines are available 24 hours a day, 7 days a week and 365 days a year.
- Deposits in PLN are booked 24 hours a day on your account in PLN.
Foreign currency deposits and withdrawals from Citi Handlowy ATMs
- Customers who have a Personal Account in the Bank can use the free-of-charge cash deposit and withdrawal service in euros (EUR) and US dollars (USD) at selected Citi Handlowy ATMs, available in each of our branches. You can find their locations on our website.
- Foreign currency deposits can be made in all denominations of EUR and USD banknotes. Foreign currency withdrawals are made in EUR 50 and USD 100 banknotes (or a multiple thereof). Foreign currency withdrawals and deposits can be made from PLN, EUR, USD, GBP and CHF bank accounts.
- The ATMs can be used for currency exchange. If the withdrawal currency differs from the account currency, the Bank will convert the amount to be withdrawn from the transaction currency to the account currency at the exchange rate consistent with the Currency Exchange Rate Table applicable at the Bank at the moment of the transaction. The exchange rate applied to covert the amount to be withdrawn from the transaction currency to the account currency will be displayed on the ATM screen for the Customer’s approval, and will be shown on the transaction receipt printed out by the ATM.

Microchip embedded into your debit card provides enhanced security of your transactions.

Thanks to a special security mechanism it is not possible to double a transaction or copy the card’s details that would allow for any unauthorized use.

When you are making a contactless payment, the card activates only for a split second when it receives a clear signal from the terminal and it works only within up to 5 cm from the reader. It is not possible to capture information transmitted this way.

Learn more about how to safely use your card.
- Do not disclose your card numbers and PINs to anybody. Your PINs should always be memorized and not recorded/written anywhere.
- Do not store your passwords in files stored on your computer.
- Do not reveal the information stated on your credit card such as its expiry date and the last 3 digits of the credit card number.
- When using SMS service, always make sure that the last digits of the beneficiary’s account number correspond to the account number stated in the activating SMS.
- Before you start using your PIN, E-PIN or CitiPhone PIN, make sure that nobody has accessed them before.
- Use strong passwords and PINs (e.g. never use your birthday date for your password).
Is it possible that using a contactless card I’ll pay for somebody else’s shopping

There is no such risk. The contactless card does not send any information by itself. It remains ‘inactive’ in the user’s wallet. When you are making a contactless payment, the microchip activates for a split second only when it receives a clear signal from the contactless reader. The reader itself is inactive for most of the time and it activates for a moment when it receives a signal from the terminal after the seller entered the amount of a specific transaction.
Can a contactless card get destroyed when put in contact with a mobile phone or a magnetic card?
Can the contactless card respond to other contactless scanners such as ticket validators or scanners at building entries?
Can I use the debit card to pay online?

Please note that you can switch off the contactless payment option on your debit card. To do this, you only need to log on to Citibank Online and fill out the form available in the ‘Contact us’ section.

Citi Specials - unique discounts, surprises and awards.

With your card, you have access to the Citi Specials Benefits program. It is a platform where you can find in one place all the benefits that you can use when paying with your Citi card - discounts, rewards and inspiration. And there are 5 of them in the program - travel, cooking, entertainment, shopping, as well as sports and health.

Take advantage of discounts

Pay with your card and enjoy discounts of up to 50% with over 300 program partners.

Discover New Tastes

Enjoy discounts and surprises in over 100 restaurants in Poland.

Receive rewards

As part of Citi Specials, you have access to the free Mastercard® Bezcenne® Chwile point program, in which you receive points for transactions with Partners.

Citibank Global Wallet

Shop online worldwide with no currency conversion charges.