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Why should you have an individual personal account with Citi Handlowy bank?
- 13 currency accounts
- One account card with multi-currency service
- Attractive exchange rates and advanced currency orders at Citi Kantor
- Additional funds with Credit Li ne - 0% interest if you use the Credit Line up to 7 days a month
- Discounts of up to 50% with the Citi Specials program, including a 10% discount or surprise discount at Citi Specials restaurants
- Rewards for transactions with the Mastercard® Priceless® Moments program
- Access to pre-sale tickets for concerts of the biggest stars
- Payments on your phone with Google Pay, Apple Pay and BLIK
Take advantage of our special offer and join the holders
of our Personal Account
Discover our Personal Bank Accounts
CitiKonto Account
Account for anyone and everyone
Everyday banking for PLN 0, including:
- PLN 0 for maintaining the account
- PLN 0 for the card linked to the account with a multi-currency service
- PLN 0 for cash withdrawals from Citi ATMs
- PLN 0 for the first 4 withdrawals from non-Citi ATMs per month
- PLN 0 for domestic transfers via Citibank Online or Citi Mobile
- PLN 0 for the first 3 Express Elixir transfers per month
Citigold Account
Account with professional advice
- Professional assistance in achieving goals - access to free Investment Advisory services.
- Analyses and reliable information on markets, access to dedicated reports.
- Professional support in investment decisions. In achieving your financial goals you are supported by your personal Relationship Manager and a team of experts.
- Global privileges. Thanks to the global presence of Citi, banking has no limits. Whether you go on a business trip or private vacation, move abroad or wish to invest in global markets – you are always a Citigold Client.
Citigold Private Client
Top-quality account
- A highly qualified and experienced team of experts from 6 different areas of the financial world headed by a Personal Advisor trained by Citi | Wharton Global Wealth Institute.
- A wide range of banking products in the areas of investments, insurance, mortgage and currency solutions on the best, individually negotiated terms at Citi Handlowy.
- Private banking solutions and privileges that take into account the needs of clients' families, including the extended Priority Pass package, travel insurance and property succession.
- Carefully curated offers on automotive services, travel, arts and entertainment, sports and health, and discounts on shopping at leading boutiques and fashion stores.
How to open account in Citi Handlowy?
Remember that you can open an account also at our branches
| City | Address | Phone |
|---|---|---|
| Warszawa | Wołoska 12 (Mokotów) | 691626230 |
| Warszawa | Al. Jerozolimskie 179 (Blue City) | 603560031 |
| Warszawa | al. Jana Pawła II 82 (Arkadia) | 605562013 |
| Warszawa | Senatorska 16 | 607670034 |
| Kraków | Podgórska 34 (Galeria Kazimierz) | 693565607 |
| Wrocław | Legnicka 58 (Magnolia) | 724204934 |
| Poznań | St.Matyi 2 (CH Avenida) | 693891003 |
| Gdynia | Kazimierza Górskiego 2 (Riviera) | 603889254 |
| Katowice | Chorzowska 107 (Silesia) | 722220962 |
Documents
Legal information
Important Information
CitiKonto, Citi Priority, Citigold and Citgold Private Client Personal Accounts are payment accounts.
The Offer „Osiągnij więcej z kontem Citigold i lokatą 6,2%” is available until 12.11.2025 or until the pool of 300 opened Citigold accounts under the Offer is exhausted. The Offer is addressed to new clients who enter into a deposit product agreement with the Bank, open a Citigold personal account under that agreement, and meet the conditions described in the Terms and Conditions of the Offer. The rewards in the Offer are: an 6-month Welcome Deposit with an annual interest rate of 6,2% on amounts up to PLN 200,000 and an 3-month Additional Deposit with an annual interest rate of 6,2% on amounts up to PLN 220,000. Participants will receive the rewards if, no later than the end of November 2025, they achieve a daily balance of at least PLN 420,000 in the accounts offered by the Bank. The Offer is not available to persons who, after 30.09.2025, have held a personal account or savings account with the Bank (including all Joint Holders of the account or persons who were authorized representatives). The detailed conditions of receiving the rewards, including a complete list of exclusions, are provided in the Terms and Conditions of the Offer available on the Bank’s website in the “Documents” section.
The Offer „Prestiż i wsparcie z kontem Citigold Private Client i lokatą 6% - edycja II” is available until 12.11.2025 or until the pool of 30 opened Citigold Private Clients accounts under the Offer is exhausted. The Offer is addressed to new clients who enter into a deposit product agreement with the Bank, open a Citigold personal account under that agreement, and meet the conditions described in the Terms and Conditions of the Offer. The rewards in the Offer are: an 6-month Welcome Deposit with an annual interest rate of 6% on amounts up to PLN 2 million and an 3-month Additional Deposit with an annual interest rate of 6% on amounts up to PLN 2.2 million. Participants will receive the rewards if, no later than the end of November 2025, they achieve a daily balance of at least PLN 4 200,000 in the accounts offered by the Bank. The Offer is not available to persons who, after 30.09.2024, have held a personal account or savings account with the Bank (including all Joint Holders of the account or persons who were authorized representatives). The detailed conditions of receiving the rewards, including a complete list of exclusions, are provided in the Terms and Conditions of the Offer available on the Bank’s website in the “Documents” section.
The offer „ Zyskaj więcej z CitiKontem - 6,4% oraz do 300 PLN“ is valid till October 16, 2025 for the first 2500 clients. To open a savings account with an interest rate of 6.4% per annum up to PLN 100,000 for 4 months, you must conclude a deposit products agreement with the bank, open a CitiKonto personal account and savings account under this agreement and meet the conditions described in the offer regulations. The full list of exclusions is available in the offer terms and conditions. The offer may be repeated in the future. Terms and Conditions of the offer and the Table of Fees and Commissions are available on the bank’s website in the tab “Documents”.
Bank Account Terms and Conditions and the Table of Fees and Commissions for CitiKonto, Citi Priority, Citigold and Citgold Private Client Personal Accounts are available on the Bank’s website in the tab “Documents”. Offers may be repeated in the future.
We invite unemployed people to open an account in one of our branches.
Bank Handlowy w Warszawie S.A. with its registered office in Warsaw, at ul. Senatorska 16, 00-923 Warsaw, entered in the register of entrepreneurs of the National Court Register by the District Court for the Capital City of Warsaw in Warsaw, XII Commercial Department of the National Court Register under number KRS 000 000 1538; Tax Identification Number NIP 526-030-02-91; share capital of PLN 522.638.400 fully paid-up. Citi and Citi Handlowy are registered and licensed trademarks of Citigroup Inc. Citigroup Inc. and its subsidiaries have also right to other trademarks used here in. Citi Handlowy and the Citi logo are registered trademarks of entities from the Citigroup Inc. group.