5 Reasons Why It Is Worth Joining Citibank@Work Benefit Program:

Preferential price terms available only to Citibank@Work clients.
Citi Handlowy bankers available at your workplace.
Direct access to your Relationship Manager.
Attractive discounts with the Citi Handlowy Partners.
Citibank Online - convenient and easy online banking available also from your smartphone.

Cash Loan

RENOVATION, VACATION OR MAYBE A NEW CAR? ANY DREAM IS WORTH MAKING IT COME TRUE

Gotówka z Karty Kredytowej - Citi Handlowy

Employee Cash Loan for CB@W Clients:

  • Variable Interest Rate of 6,99% (margin and 3M WIBOR rate)
  • 4% Commission rate
  • Lending period up to 36 months
  • Amount up to PLN 150,000
  • Quick and convenient process

EFFECTIVE INTEREST RATE: 10,08% P.A.


Wypełnij formularz – oddzwonimy!

Effective Annual Interest Rate (EIR) at 10.08%, total loan amount (excluding financed costs) PLN 43 000.00, total amount for repayment PLN 49 700.80, variable interest rate 6.99%, total cost of credit PLN 6 700.80 (including: commission PLN 1 720.00, interest PLN 4 980.80, monthly fee PLN 0.00), 35 equal monthly installments of PLN 1 381.00 and last complementary installment PLN 1 365.80. Calculation done as of July 05, 2021 based on representative example.

Effective Annual Interest Rate (EIR) at 10.08%, total loan amount (excluding financed costs) PLN 43 000.00, total amount for repayment PLN 49 700.80, variable interest rate 6.99%, total cost of credit PLN 6 700.80 (including: commission PLN 1 720.00, interest PLN 4 980.80, monthly fee PLN 0.00), 35 equal monthly installments of PLN 1 381.00 and last complementary installment PLN 1 365.80. Calculation done as of July 05, 2021 based on representative example.



DO YOU NEED MORE CASH OR LONGER LENDING PERIOD? OR MAYBE 1 PAYMENT INSTEAD OF MULTIPLE INSTALLMENTS?

Flexi Cash Loan

  • Attractive interest for any purpose.
  • Quick credit decision even within 1 hour following application.
  • Loan amount up to PLN 150,000.
  • Long ending period - up to 10 years
  • Minimum formalities - as an income document we accept a scan of your account with your salary inflows.
  • Convenient process - you can sign the agreement without having to leave your home or meet with our banker.

Apply online

EFFECTIVE INTEREST RATE: 11,32% P.A.


DEVOTE YOUR TIME TO WHAT REALLY MATTERS TO YOU.

  • Consolidation Loan – repayment of one, lower amount instead of multiple debts.
  • Loan to PLN 150,000 for up to 10 years.
  • Possibility to get new, additional cash.
Apply online

EFFECTIVE INTEREST RATE: 9,65% P.A.


PERSONAL ACCOUNT



Karty Kredytowe Citi Handlowy

CITIKONTO PERSONAL ACCOUNT

Daily banking for PLN 0

  • 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
Read more

Citibank Credit Cards

See what offers we have prepared for you and choose a card that suits you best.

Housing Loan

SPACE FOR YOUR DREAMS

Przestrzeń dla Twoich marzeń – Produkty Hipoteczne

CB@W HOUSING LOAN OFFER:

  • Loan amount up to PLN 3,000,000 (up to 80% of the property’s value).
  • Attractive Interest rate. 2.15% margin and 1.89% commission rate.
  • Effective Interest Rate 2.20% p.a.

Wypełnij formularz – oddzwonimy!

Mortgage Calculator

PLN
PLN

Installment - CB@W offer: 0zł      RRSO:  %

Installment - standard offer: 0zł      RRSO:  %

CITI SPECIALS

BENEFIT PROGRAM

Oszczędzaj płacąc kartą

Discounts, rewards, surprises are waiting for you! Make yourself feel a bit more special with the Citi Specials Benefit Program where you can find all the benefits that come with your credit/debit card.

Learn more

CITI HANDLOWY MAGAZINE

STAY UP-TO-DATE WITH THE TOP NEWS AND TRENDS

What’s the value of your personal data – all you need to know about GDPR

Some people still remember the days when each door had a plaque with the names of the residents. And now, it’s difficult to even imagine such a situation. The times have changed, and our personal data have become a desired commodity. How much is your name, phone number and email address worth?


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Bank myth busters and Polish credit cards

Credit cards have accompanied Poles for over 20 years since Citi Handlowy (then Citibank Polska) issued the first credit card in Poland. For two decades, there have developed many untrue stories around the “plastic money” that are now part of the bank mythology. We decided to debunk five most repeated myths about cards.


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The future is in our skills. Constant learning becomes a must

Lifelong learning – is it already a requirement of today or a whim of reality that tires us out, a constant urge for change and pursuit of a better version of ourselves? Will we be learning for our entire lives?


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Effective Annual Interest Rate (EIR) at 10.08%, total loan amount (excluding financed costs) PLN 43 000.00, total amount for repayment PLN 49 700.80, variable interest rate 6.99%, total cost of credit PLN 6 700.80 (including: commission PLN 1 720.00, interest PLN 4 980.80, monthly fee PLN 0.00), 35 equal monthly installments of PLN 1 381.00 and last complementary installment PLN 1 365.80. Calculation done as of July 05, 2021 based on representative example.

Representative example for Citibank Simplicity Credit Card. The actual annual interest rate of 10.95% (APRC), assuming: total loan amount (without credited costs) PLN 8,000, total amount to be paid PLN 8,459.42, variable nominal interest rate 7.2% per annum, total loan cost 459 PLN 42. (including the annual fee for issuing a payment card being the main card and for servicing the credit card being the main card PLN 144, interest PLN 315.42), 12 monthly installments of PLN 704.95 each. The calculation was made on 02/26/2021 on a representative example.

Bank Handlowy S.A. The "CitiKonto. The Financial Revolution - VII edition ”is available to the first 3,000 Customers who will conclude a Deposit Product Agreement with the bank by August 22, 2021, 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 01/01/2020, until the date of the offer commencement, had a personal or savings account on their own or as a co-owner. Prize 6 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 "CitiKonto. Financial Revolution - VI edition ”cannot be combined with other special offers concerning 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. The exclusion is when the Account is opened by phone or when, after choosing the biometric process, for reasons beyond the control of the Customer, the Account was opened in the courier process.

Offer "The first private banking in Poland. Summer Edition "is available to the first 300 Customers who will conclude a Deposit Product Agreement with the bank by 30 September 2021, 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 at www. citibankonline.pl/dokumenty. The offer is not available to people who had a personal or savings account at the Bank after January 1, 2019.

Details of the Offers, including the conditions for receiving the Award, are available in the Offer Regulations at the Bank's branches and on the website 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.

The Effective Annual Percentage Rate (EAPR) for a home loan secured by mortgage is 2.20%, assuming that: the loan period is 24 years, the total amount of the loan is PLN 410,000, variable interest rate is 2.15%, including: WIBOR 3M reference rate of 0.26% and margin of 1.89% (the margin is increased by 1.3pp until the entry of the mortgage to the real estate register becomes final and valid, assuming that this takes place within 3 months after concluding the loan agreement). The total cost of the loan PLN 116 689, including: commission of 0%, i.e. PLN 0 interest PLN 116 470 civil law transactions tax PLN 19 (PCC), cost for entering the mortgage in the Real Estate Register PLN 200, fee for the maintenance of a savings and clearing account (ROR) PLN 0 (while maintaining monthly inflows of at least PLN 5,000), total amount due PLN 526 689, payable in 288 equal monthly installments of PLN 1, 802 after creating the collateral. The conclusion of an insurance contract is compulsory in order to obtain the loan. The calculation was performed as at 02/07/2020 on a representative example. The variable interest bears the risk of high installment and thus, the total amount for payment

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