Rewolucja Nowe CitiKonto


A unique personal account with an FX offer.
Welcome bonus up to PLN 150.

Apply for CitiKonto
Rewolucja Nowe CitiKonto

A unique personal account
with an FX offer.
Welcome bonus up to PLN 150.

Inpost Apply for CitiKonto

Everyday banking for

PLN 0 for maintaining the account

PLN 0 for cash withdrawals from Citi ATMs

PLN 0 for the first 3 Express Elixir transfers a month

PLN 0 for the card linked to the account with a multi-currency service

PLN 0 for the first 4 withdrawals from non-Citi ATMs a month

PLN 0 for domestic transfers via Citibank Online or Citi Mobile

Industry distinctions for CitiKonto

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Industry distinctions for CitiKonto

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Beneficial FX exchange rates

Take advantage of attractive FX exchange rates dedicated to the holders of a CitiKonto!

ranking_money_white Note: you will gain more if you exchange currencies Monday through Friday.

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Note: you will gain more if you exchange currencies Monday through Friday.

Live 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).

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Disclaimer: 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. Finansowa Rewolucja – 5th edition”.

The special offer is available in the online channel to those who open an account using biometric authentication; the special offer does not apply to accounts opened via a courier.

Would you like to open CitiKonto at one of our branches?

See the list of our Smart branches

Additional benefits with CitiKonto

Exchange Currencies
in CitiKantor (foreign exchange platform)

Your place to exchange currency. Exchange currencies quickly and conveniently at competitive rates when compared with those offered by online exchange platforms. Receive text or email notifications when the currency exchange rate of your interest is achieved (Market Alerts service).

Manage your finance
in Citi Mobile®

It is now easier, faster and more secure to manage your finance on your phone. We do our best to give you the best experiences when using the Citi Mobile application. Apart from a refreshed look, the new version of the app gives you easy access to transactions and account statements, making banking on your phone even faster.

Pay with your phone or watch

Leave your wallet at home and pay conveniently and safely using something you always have at hand: your phone or watch. Just link your Citi Handlowy Mastercard® debit or credit card to Apple Wallet/Google Pay.

Shop anywhere in the world with Citi Global Wallet

Now your debit card will make a smart selection of one of your FX accounts by matching it to the transaction currency. If you are paying in a currency other than the currencies of your FX accounts, we recommend that you link your debit card to the FX account in EUR.

Get discounts and collect rewards in Citi Specials

You can save on purchases various discounts at over 300 of our partners, incl. Frisco, Lux Med and others. Some of them go up to 50%! And with the Restaurant Program in over 100 restaurants you can eat with a discount of up to 20%. By paying with your Mastercard, you collect additional points that you can easily exchange for unique experiences and rewards.


Additional benefits with CitiKonto


  • Your place to exchange currency. Exchange currencies quickly and conveniently at competitive rates when compared with those offered by online exchange platforms. Receive text or email notifications when the currency exchange rate of your interest is achieved (Market Alerts service). Buy and Sell at indicated rates (Order Watch service). Advanced orders like Stop, Limit, If Done, Occ.

  • It is now easier, faster and more secure to manage your finance on your phone. We do our best to give you the best experiences when using the Citi Mobile application. Apart from a refreshed look, the new version of the app gives you easy access to transactions and account statements, making banking on your phone even faster

  • Do you use your debit card to pay for shopping at online shops worldwide without conversion costs? Now your debit card will make a smart selection of one of your FX accounts by matching it to the transaction currency. If you are paying in a currency other than the currencies of your FX accounts, we recommend that you link your debit card to the FX account in EUR.

  • Leave your wallet at home and pay conveniently and safely using something you always have at hand: your phone or watch. Just link your Citi Handlowy Mastercard® debit or credit card to Apple Wallet/Google Pay.

  • Use discounts and save money when shopping at more than 300 of our partners, including Frisco, Clinique, Lux Med and others. At some of them you can save up to 50%! Take advantage also of the restaurant program and pay up to 20% less for meals at over 100 restaurants. When you pay with a Mastercard card, you are also collecting points that can be exchanged for unique experiences and rewards, such as vouchers to Decathlon, HBO GO, Glovo or Playstation.

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.
A domestic transfer shall mean a transfer order. Citibank Online shall mean the service of electronic banking.

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 Reward, are available in the Terms and Conditions of the Offers at the Bank branches and on the website www.citihandlowy.pl. 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: www.citihandlowy.pl. 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 money.pl of 28/10/2020; 1st place in the “finance” ranking of rankomat.pl of 26/10/2020; 1st place in the ranking by ebroker.pl of 02/11/2020; 1st place in the ranking by bankier.pl of 16/11/2020


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