CitiKonto Personal Account

Choose a free CitiKonto Personal Account
with an exceptional currency exchange offer

Apply for a CitiKonto >

Discover the revolutionary offer of CitiKonto

Daily banking for

  • for account maintenance
  • for a multi-currency card linked to an account
  • for withdrawals from Citi ATMs
  • for the first four withdrawals a month from ATMs other than Citi’s
  • for domestic transfers via Citibank Online or Citi Mobile
  • for the first three Express Elixir transfers in a given month

Excellent exchange rates

Take advantage of an attractive offer of FX rates dedicated to the Clients having a CitiKonto

Online FX Rates

The courses on this page are refreshed automatically every 2 minutes Refresh now

When you refresh the page for a currency exchange transaction, the exchange rate may change according to recent fluctuations in the foreign exchange market.

Exchange rates for transactions of min. USD 1 (or its equivalent in another currency) are changed regularly according to the current market rates (from Sunday, 23:00, to Friday, 23:00, round the clock, excluding bank holidays).

Additional benefits with CitiKonto

Citi Kantor

(Citi Foreign Exchange Platform) Your place to exchange currency


Citi Mobile®

Modern services without limits with a new mobile app



Add your card to Apple Pay or Google Pay and pay conveniently with your phone.

Check Apple Pay
Check Google Pay

Citi Global Wallet

Check how to do online shopping worldwide without conversion costs.


Access to amazing discounts, surprises and awards with Citi Specials

You have access to discounts up to 50% at more than 300 partners.

Discounts up to 10% at over 100 restaurants in Poland

A possibility to exchange points for prizes in the Mastercard® Priceless® Moments (Bezcenne Chwile) Program.

How does Citi Specials work? It is simple! Find a chosen partner or restaurant on the Citi Specials website, pay with a Citi card and enjoy a discount or a surprise!

Additionally, register your card in the Mastercard® Priceless® Moments (Bezcenne Chwile) Program , collect points for card transactions and collect prizes.

prezent inpost
Prize 1

PLN 50

At least once transfer your remuneration of no less than PLN 2,000 no later than by the end of the first calendar month following the month in which the account was opened.

Prize 2

PLN 50

Deposit at least PLN 100 to your account + Log in to the bank’s mobile app at least once by the end of the second calendar month following the month in which the account was opened.

Prize 3

PLN 50

Pay for your shopping worth at least PLN 100 via Google/Apple Pay no later than by the end of the third calendar month following the month in which the account was opened.

Limited offer, valid from February 19, 2021 to March 20, 2021. Detailed conditions for receiving the benefits specified in the special offer for new customers of the Bank are included in the Regulations “CitiKonto. Financial Revolution - edition V”
The promotional offer is available in the online channel for people opening an account through biometric verification, if a courier is selected - the promotional offer does not apply.

Open an account in a few simple steps from home.

Click the “Open an account online” button and fill in the application.

Follow the instructions on the screen, shift to your phone and take a photo of your ID.

Take a photo of your face and follow the instructions displayed on the application’s screen.

Confirm the agreement with an SMS code and that is it, all done!

Learn more about the remote verification from a short VIDEO or HERE

Open account online

The process is available to persons having a PESEL number

CitiKonto Personal Account is a payment account kept PLN.

Remember that you can open a new CitiKonto also at our Smart branches
Check the list of branches

Related products

Credit Line

Open a renewable credit line in the account and receive funds for any purpose


Business account

Monitor the finances of your business in an easy and convenient way


Foreign currency account

Take advantage of a wide offer of the bank’s FX currency solutions


Check out our Citigold private banking offer, which has received a number of awards


According to Euromoney 2020.


For Private Banking Citi Handlowy.y

You can find more information on the following websites:

Personal Account Citigold

Personal Account Citigold Private Client

Questions & Answers



Important Information

Bank Handlowy S.A. The “CitiKonto .Financial Revolution – edition V” offer is available to the first 5,000 Clients who, by 20 March 2021, conclude a Deposit Product Agreement with the Bank, on the basis of which they will open a CitiKonto Personal Account and meet the conditions specified in the Terms and Conditions of the offer. The offer shall not be available to, among others, persons applying for a new account who, after 1 January 2020 and until the first day of the offer held, individually or jointly as a joint holder, a personal account or a savings account. A full list of exclusions is available in the Terms and Conditions of the Offer. The “CitiKonto. Financial Revolution-edition V” offer cannot be accumulated with other special offers for the Account.

The Bank may introduce offers on the same or similar terms and conditions in the future.

More details on the Offers, including the conditions of receiving a Prize, are available in the Terms and Conditions of the Offers at the Bank branches and on the website Detailed information on fees and commissions for the CitiKonto, Citi Priority, Citigold or Citigold Private Client Personal Account is available in the Fees and Commissions Table on: The material is not an offer within the meaning of Article 66 of the Civil Code.

1st place in the ranking of "free bank accounts" by as of October 28, 2020. ; 1st place in the financials ranking of October 26, 2020; 1st place in the ranking of 02/11/2020; 1st place in the ranking of November 16, 2020.


Open a personal account with a selfie even in 10 minutes More

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