Feel the spring with CitiKonto.

Check how to get up to PLN 270 for the start and PLN 0 for account maintenance!


Bank account offer for new customers, valid until 30.06.2022.

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


Foreign currency accounts

Global banking in a comfortable form. Manage your currency transactions with ease.


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.

How do I claim the welcome prize for opening an account?

  • Step 1
    Open a CitiKonto

    You can complete the online application yourself or leave your details, and the Advisor will call you back and complete the application with you

  • Step 2
    Get PLN 100 for BLIK transactions

    Make the payment in this way, min. 3 transactions for a minimum amount of PLN 300 to collect PLN 100 cashback - you have until the last day of the first calendar month following the month in which the Account was opened.

  • Step 3
    Get PLN 100 for transfering your salary or making a currency transaction

    Transfer to the account min. PLN 2,000 due to remuneration or execute a foreign currency instruction at Citi Kantor for min PLN 2,000 to collect PLN 100 cashback - you have until the last day of the second calendar month following the month in which the Account was opened.

  • Step 4
    An additional PLN 50 for the fulfillment of the two above-mentioned conditions

    Each participant who meets the above conditions will receive an additional prize of PLN 50

  • Step 5
    Get PLN 20 for expressing consent to contact us

    You can voluntarily consent to the processing of your personal data for marketing purposes and receive PLN 20 cashback

Open a personal CitiKonto and add benefits one by one. Everything is ahead of you!

Open CitiKonto


By opening an account, you can get rewards worth up to PLN 270.

As part of „Up to PLN 270 with Citikonto - II edition” offer valid till 30.06.2022.

Open a credit card


If you open an additional credit card, you can receive for example a voucher for shopping at Allegro in the amount of PLN 600 (APR 17.59%)

As part of the offer for new customers "Even more to start - 2nd edition" valid until 04.07.2022.

Use your account
and card


Paying with your account and credit card you will get 1% refund, max. PLN 100

As part of „Up to PLN 270 with Citikonto - II edition” offer valid till 30.06.2022.

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 "Even PLN 270 with CitiKonto III edition" offer is available to the first 3,000 customers who will conclude a Deposit Product Agreement with the bank by May 31, 2022, open a CitiKonto Personal Account on its basis and meet the conditions described in the offer regulations. Excluded from the offer include: persons applying for a new account who, after 01/09/2020, until the date of the commencement of the offer, had a personal or savings account on their own or as a co-owner. The 5th prize is available to the first 1,000 customers who meet the terms of the offer. The full list of exclusions is available in the Terms and Conditions of the offer. The offer "Even PLN 270 with CitiKont 3rd edition" cannot be combined with other special offers related to the Account. Maintaining an account means maintaining a payment account. Account card means service of a debit card. Withdrawing from ATMs means withdrawing cash. Domestic transfer means a transfer order. Citibank Online means the electronic banking service.

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.

CitiKonto, Citi Priority, Citigold and Citgold Private Client Personal Accounts are payment accounts.

Offer of the offer "The first private banking in Poland. Spring 2022 edition "is available to the first 200 Customers who will conclude a Deposit Product Agreement with the bank by 31 May 2022, open a Citigold or Citigold Private Client Personal Account on its basis and meet the conditions described in the Offer Regulations, available on the Bank's website. The offer is not available to people who had a personal or savings account at the Bank after January 1, 2019.

The Bank informs that offers on the same or similar terms may be repeated in the future.

Details of the Offers, including the conditions for receiving the Prize, are available in the Offer Regulations at Detailed information on fees and commissions for the CitiKonto Personal Account, Citi Priority, Citigold and Citigold Private Client is available in the Table of Fees and Commissions at The material does not constitute an offer within the meaning of Art. 66 of the Civil Code.


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

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