Gain access to discounts up to 50%, vouchers and surprises at over 300 partners, where you can spend less by paying by card.
Personal Accounts
Manage your finances easily with Citi Handlowy Personal Account.
Take advantage of our special offer and join the holders of our Personal Account
Discover our Personal Accounts
Select the Personal Account that best suits you
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Apply online
Fill out the entire application yourself online or order an interview by leaving your details on the first application screen.
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Take a selfie
You will verify your identity by taking a photo of your ID card and a photo of your face.
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You will receive the card by mail
If the Bank assesses your creditworthiness positively, we will send the Card to you by post with instructions on how to activate it.
Benefits
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
Fees for using the card
0 PLN
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Professional assistance in achieving goals - access to free Investment Advisory services.
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Analyses and reliable information on markets, access to dedicated reports.
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Professional support in investment decisions. In achieving your financial goals you are supported by your personal Relationship Manager and a team of experts.
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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.
Fees for using the card
PLN 220 (a month) or PLN 0
Leave your phone number and our Private Banking Relationship Manager will call you
Talk to one of our Private Banking Regional Heads
Connection fee according to the operator's tariff.
Łukasz Stybner
697 080 530
Wioletta Kulisiewicz
601 289 627
Daria Kowalska
606 279 025
Monika Mosińska-Siech
691 490 022
Tomasz Pruski
722 250 158
Anna Górecka
697 671 193
Anca Andrei
697 870 849
Monika Nosek
667 684 011
Tomasz Szybowski
697 870 810
Visit one of the flagship Citigold branches
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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.
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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.
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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.
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Carefully curated offers on automotive services, travel, arts and entertainment, sports and health, and discounts on shopping at leading boutiques and fashion stores.
Fees for using the card
PLN 300 (a month) or PLN 0
Remember that you can open an account also at our branches
Pay easily around the globe with our Personal Account
INVESTMENT FUNDS
A global offer of investment funds available at your fingertips. Investing in funds involves risks and fees.
Saving
Check out the savings offer with our SuperSavings Account – 6% for an amount up to PLN 20,000 or 4% on a Deposit with no amount limit for 6 months!
Gain even more with our Personal Account
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Discounts up to 50% in the Citi Specials program
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Rewards for transactions under the Mastercard® Bezcenne® Chwile (Priceless Moments) program
You also have access to the Mastercard® Bezcenne® Chwile program, under which you can collect unique prizes for card transactions. The Mastercard® Bezcenne® Chwile program is available for Citibak cards with a Mastercard logo (excluding the Citibank-BP Motokarta card).
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Discounts up to 10% at the best restaurants in Poland
You get a discount up to 10% at the best restaurants across Poland – whether you eat in or order home delivery.
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Ticket pre-sales for the concerts of the greatest stars
You can buy tickets to the concerts of the greatest stars in a pre-sale dedicated to Citibank Clients.
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Additional funds with the Credit Line
Open a renewable credit line in the account and receive funds for any purpose. View >
Good to know
How to save money in a smart way? 20 effective tips on improving your budget
When a crisis hits your pocket, a good idea is to find ways to save money without compromising your quality of life. How can you do it?
Direct debit – a perfect solution for those who forget
Do you pay most bills online? Do you sometimes miss the deadline? Not to worry, forget about it. Turn on a direct debit and the bank will take care of all the payments!
Citi Handlowy launches an online currency exchange platform – Citi Kantor
We provide an online currency exchange platform where you can easily exchange currencies on very attractive terms.
13 foreign currency accounts at Citi Handlowy
Citi Handlowy is offering its customers bank accounts in 8 new foreign currencies. Now, personal bank account holders have the availability of as many as 13 foreign currency accounts and attractive exchange rates through the Citi Kantor service
Questions & Answers
How to set up a personal account at Citi Handlowy?
An account can be set up within 15 minutes using the online process. All you need to verify your identity is a phone number and an ID card. You can also visit the nearest Citi Handlowy branch, where our advisor will guide you through the process. You can find the list of Branches here.
How can I change the account type?
Log in to Citibank Online electronic banking >> Personal accounts >> Choose a personal account in PLN >> In the "Account information" section, select the "Change account type" function.
How can I open a savings or currency account?
Log in to Citibank Online electronic banking >> Personal accounts >> Choose the option "+ Open a foreign currency or savings account" or use another option:
Personal accounts >> Choose any account >> In the "More options" section, select "Open a currency or savings account".
Can I create an account for a child?
You can create an account with your child as a co-owner. In this case, the child must be at least 13 years of age and the account can only be opened jointly. In this case, we invite you to a Citi Handlowy branch, where our advisor will guide you through the process. You can find the list of Branches here.
How to set transfer limits for an account?
Log in to Citibank Online electronic banking >> Go to the "Services and profile" menu >> My profile >> Transfer limits.
You can also go to Limits directly from your account: Select any account >> In the "Account information" section, select "Manage transfer limits".
How do I download an account statement?
Log in to Citibank Online electronic banking >> Go to the "Services and profile" >> "Statements" menu.
You can also go to "Statements" directly from your account: Select any account >> In the "Account information" section, select "Download statement".
What is account sharing and authorization?
Sharing a personal account means converting an individual account into a joint account. Thanks to the sharing of a Personal Account, account holders have full access to their personal accounts via CitiPhone, Citibank Online, Citi Mobile and at a Bank branch, and each co-holder has the right to use the funds in the Account on his own.
If a power of attorney is established, the attorney may at a branch of the Bank dispose of the funds accumulated in the Account under the power of attorney. The proxy has no access to Citibank Online and Citi Mobile, and the CitiPhone service is limited.
At Citi Handlowy, it is possible to share an account or establish a power of attorney to the account. You can place this type of order at a branch of the Bank by concurrently signing the Deposit Product Agreement by all parties. To sign the Agreement, a document confirming identity is required - in the case of Polish citizens, a valid Polish identity card or a valid Polish passport; in the case of persons who do not have Polish citizenship, a valid residence card issued by a Polish government administration body or a valid foreign passport.
All Co-holders of one Account must have the same foreign exchange status - resident or non-resident:
- A non-resident is a natural person residing outside the territory of the Republic of Poland, who is a non-resident within the meaning of the provisions of the Foreign Exchange Act;
- A resident is a natural person residing in the country, being a resident within the meaning of the provisions of the Foreign Exchange Act;
You can submit an instruction to add a co-holder to an account or a proxy using Citibank Online electronic banking: Log in to Citibank Online electronic banking >> Accounts >> Select a personal account in PLN >> In the "Account information" section, select the "Add co-owner / add a proxy" function.
Can I transfer my account history and standing orders from another bank to Citi Handlowy?
Yes. To do so, log in to Citibank Online electronic banking >> Go to the "Services and profile" menu >> "Account transfer".
Legal information
Important Information
Bank Handlowy S.A. The “Citi Konto – Gain more” offer is available to the first 3,000 Customers who, by November 14, 2023, will conclude a Deposit Product Agreement with the bank, open a CitiKonto Personal Account on its basis and meet the conditions described in the terms and conditions of the offer. The full list of exclusions is available in the Terms and Conditions of the offer. The offer may be repeated in the future. The Terms and Conditions of the Offer and the Table of Fees and Commissions are available at citibank.pl/dokumenty.
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.
Bank Handlowy w Warszawie S.A. Offer „30 lat bankowości prywatnej w Polsce. Lokata 6.5” Deposit is available to the first 500 Customers who, by October 5, 2023, will conclude a Deposit Product Agreement with the bank, open a Citigold or Citigold Private Client Personal Account on its basis and meet the conditions described in the Terms and Conditions of the Offer. As part of the Offer, after meeting the conditions of the Regulations, the participant may open a Welcome Deposit with an interest rate of 6,5% per annum from PLN 20,000. PLN up to PLN 400 thousand for the Citigold Account, and for the Citigold Private Client Account, a Welcome Deposit with an interest rate of 6,5% per annum from PLN 20,000 PLN to PLN 4 million. The offer is not available to persons who had a personal or savings account with the Bank after January 1, 2021. Detailed conditions for receiving prizes with a full list of exclusions are included in the Regulations of the Offer available at citibank.pl/dokumenty/. Detailed information on fees and commissions for Citigold and Citigold Private Client Personal Accounts is available in the Table of Fees and Commissions: Accounts and Overdraft for Individual Clients at citibank.pl/dokumenty/. The Bank informs that offers on the same or similar terms may be repeated in the future. The material does not constitute an offer within the meaning of art. 66 of the Civil Code.
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 www.citihandlowy.pl. 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 www.citihandlowy.pl. The material does not constitute an offer within the meaning of Art. 66 of the Civil Code.
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