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

Citi Handlowy Karty Kredytowe - Citi Handlowy

Open a CitiKonto account and check how you can collect even PLN 300 in a welcome offer

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Offer for new Clients
Valid until 09.01.2023 r.

Citi Handlowy Karty Kredytowe - Citi Handlowy

Open a Citigold account and profit with deposits for 7.8% up to PLN 2,4 mln.

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Offer for new Clients
Valid until 7.01.2023 r.

Citi Handlowy Karty Kredytowe - Citi Handlowy

Open a Citigold Private Client account and profit with deposits for 7.8% up to PLN 6 million.

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Offer for new Clients
Valid until 7.01.2023 r.

Discover our Personal Accounts

Select the Personal Account that best suits you


  • Apply online

    Fill out the entire application yourself online or order an interview by leaving your details on the first application screen.

  • Take a selfie

    You will verify your identity by taking a photo of your ID card and a photo of your face.

  • 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.

Zobacz

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

Declared monthly balance on all accounts

Required consent

  • 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.

Fees for using the card PLN 200 (a month) or PLN 0

Leave your phone number and our Private Banking Relationship Manager will call you

  • Back

Talk to one of our Private Banking Regional Heads

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

  • 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.

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



Citi Kantor (Citi Foreign Exchange Platform)

Your place to exchange currency.


Citi Mobile®

Phone payments with Google Pay, Apple Pay and BLIK


FX Accounts

Global banking in a convenient form. Manage your FX transactions with ease.


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!

400zł 400zł 400zł

Gain even more with our Personal Account

  • Discounts up to 50% in the Citi Specials program

    Gain access to discounts up to 50%, vouchers and surprises at over 300 partners, where you can spend less by paying by card.

  • 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).

  • 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.

  • 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.

  • 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?

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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!

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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.

Read more

15 foreign currency accounts at Citi Handlowy

Citi Handlowy is offering its customers bank accounts in 10 new foreign currencies. Now, personal bank account holders have the availability of as many as 15 foreign currency accounts and attractive exchange rates through the Citi Kantor service

Read more

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 offer "Up to PLN 300 with CitiKont - 2nd edition" is available to the first 3,000 customers who by January 09, 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 offer regulations. Excluded from the offer include: persons applying for a new account who, after December 31, 2020, until the date of the offer commencement, 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 "Up to PLN 300 with CitiKont - 2nd edition" cannot be combined with other special offers related to the Account. Maintaining an account means operating 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 „Citigold 7.8” is available to the first 300 Customers who will conclude a Deposit Product Agreement with the bank by 7 January 2023, 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, 2020.

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.

Documents
Open account
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