Your Citi Debit Card
YOUR CITI DEBIT CARD
The easy way to make everyday payments
Your Citi Debit Card gives you complete access to your Citi accounts, allowing you to send money and withdraw cash at millions of locations throughout the world, 24 hours a day, 365 days a year.
What can you do with your Citi Debit Card?
Pay for goods and services in shops and restaurants.
Make secure contactless payments of up to £100 in the UK*, quickly and easily.
Shop safely online.
You can link your Citi Debit Card to any of your eligible currency accounts in just a few moments with Citi Online.
Withdraw up to £2,000 cash at ATMs.
Set up recurring payments on your card for regular bills & subscriptions.
ACTIVATE YOUR CARD ONLINE
Online Card Activation
- You can also activate your card online. An SMS Activation Code will be sent to your mobile phone, so you need your mobile number registered with us (this will be shown to you during step 2) and have this mobile phone with you. Click here to Login >
- Once you sign on, you can activate your card from the Service Centre page.
- You can call us (Click here to view CitiPhone number and operating hours) and use your t-PIN to activate your card via our automated service.
Card linkage
Buy breakfast in Pounds (GBP) and lunch in Dollars, with a single card for all your Citi accounts
As a Citi client, you can hold accounts in multiple currencies and access whichever one you choose using one single debit card. For maximum convenience, you can link your Citi Debit Card to any of your eligible currency accounts in just a few moments with Citi Online.
How to change your card linkage
Sign in to Citi Online and click on 'Card Linkage' found under 'My Profile' in the top menu and follow the simple instructions, or use the quick link on your 'My Citi' homepage. Our interactive online demo shows you how to change your card linkage.
USING YOUR CARD ABROAD
Tips for travelling with your Citi Debit Card
Your Citi Debit Card offers you a truly international personal banking experience by giving you access to multiple currencies and allowing you to shop at tens of millions of merchants worldwide - wherever you see your card logo displayed. Fees may apply.
How to enjoy trouble-free spending while abroad
Ensure we have your correct contact details
Please make sure we have your current mobile number and that you are contactable on your phone whilst travelling. If we identify suspicious activity on your card, you will receive a text message asking you to confirm if the transaction is genuine.
Update your card linkage
To avoid paying unnecessary fees, make sure your card is linked to the correct account before you travel. You can check and amend your card linkage instantly using Citi Online.
Daily withdrawal limits
Standard daily cash withdrawal limits apply when you are travelling overseas. You may withdraw up to £2000 per day, or equivalent if withdrawing foreign currency.
Dynamic Currency Conversion: please be aware
Some shops, restaurants and ATMs abroad may offer Dynamic Currency Conversion (or 'DCC'). This gives you the option of paying in the local currency or having the transaction converted into Pounds (GBP) on the spot. If you choose to pay in the local currency, your account will be debited using the exchange rate offered by Citi. If you choose to pay in Pounds (GBP), the retailer will set the exchange rate, which may not be as competitive as the rate offered by Citi.
Important: If your card is already linked to an account in the local currency, please do not select Dynamic Currency Conversion. That way, you will prevent your transaction from being converted twice and incurring unnecessary costs.
CONTACTLESS PAYMENTS
How contactless works
- You can make unlimited free contactless payments of up to ₤100 in the UK wherever you see the contactless symbol. Contactless limits vary by country so to find out the contactless limit for other countries, please visit the MasterCard® website for that country.
- Simply hold your Citi Debit Card in front of the contactless reader and your payment will be confirmed automatically. You will be offered a receipt if you wish and that's it - your transaction is complete. You will be able to see the debit on your statement and when you check your account in the Citi UK® Mobile App or Citi Online.
- As an added security measure you may be asked to enter your PIN from time to time.
- Contactless payments are debited from your account, and protected against fraud, in the same way as Chip and PIN transactions.
Why use contactless?
Quicker purchases
There is no need to insert your Citi Debit Card into a terminal or enter your PIN. Simply hold your card in front of the contactless reader.
Convenience
Contactless purchases are quicker for both you and others using contactless cards, meaning faster transactions and shorter queues.
Secure
Contactless payments use the same secure technology as Chip and PIN payments, giving you the same level of fraud prevention, and will only work on purchases of up to ₤100. For additional security, you may occasionally be asked to enter your PIN.
Using contactless on London Transport
Contactless payments are accepted on London's tube, bus, tram, DLR and Overground lines, as well as most National Rail services within the capital.
Contactless journeys cost the same as an adult Oyster pay-as-you-go fare and you can benefit from daily and Monday to Sunday capping.
Citi Debit Card fees
At Citi, we give you the option to hold accounts in multiple currencies, all accessible with the same Citi Debit Card. When travelling, simply link your card to an account in the currency of your destination country. This will allow you to withdraw cash and make card payments without incurring transaction fees.
Please click here if you would like to view fees on ATM and card purchase transactions overseas as a reference to ECB rate.
Card purchases - Citibank N.A., Jersey Branch
- The transaction amount will first be converted to Pounds (GBP) by the relevant card scheme and a 2.00% transaction fee applied.
- If your debit card is linked to a Citi account in a currency other than Sterling, the transaction amount will then be converted into that currency using the current 'Citi IPB' reference exchange rate.
Card purchases - Citibank N.A., Jersey Branch
Local currency for this example is Euros.
Note: The currency conversion rates change frequently over the course of the day. The following example relates to the currency conversion rates applied at 5:28pm 17 August 2016 only.
Card purchases - Citibank N.A., London Branch and Citibank Europe plc, UK Branch
- The transaction amount will first be converted to Euro by the relevant card scheme and a 2.00% transaction fee applied.
- If your debit card is linked to a Citi account in a currency other than Euro, the transaction amount will then be converted into that currency using the current 'Citi IPB' reference exchange rate.
Card purchases - Citibank N.A., London Branch and Citibank Europe plc, UK Branch
Local currency for this example is Euros.
Note: The currency conversion rates change frequently over the course of the day. The following example relates to the currency conversion rates applied at 5:28pm 17 August 2016 only.
Cash withdrawals at Citi ATMs
- The withdrawal amount will first be converted to US Dollars at the current 'Citi' reference exchange rate and a 2.00% transaction fee applied.
- If your card is linked to a Citi account in a Foreign currency US Dollars, the amount will then be converted to that currency at the current 'Citi IPB' reference exchange rate.
Cash withdrawals at Citi ATMs
Local currency for this example is Euros.
Note: The currency conversion rates change frequently over the course of the day. The following example relates to the currency conversion rates applied at 5:28pm 17 August 2016 only.
Cash withdrawals at non-Citi ATMs
- The withdrawal amount will first be converted to US Dollars by the relevant card scheme and a 2.00% transaction fee applied.
- If your card is linked to a Citi account in a Foreign currency US Dollars, the amount will then be converted to that currency at the current 'Citi IPB' reference exchange rate.
Cash withdrawals at non-Citi ATMs
Local currency for this example is Euros.
Note: The currency conversion rates change frequently over the course of the day. The following example relates to the currency conversion rates applied at 5:28pm 17 August 2016 only.
Check the historical exchange rates for:
MastercardReport a lost or stolen card
It is essential you contact the Citi Security Team, available 24/7, as soon as possible if you suspect or discover:
If calling from the UK 0800 096 68 00 0800 096 68 00. If calling from outside the UK +44 203 569 99 88+44 203 569 99 88.
Please visit our Citi Security Centre for further advice and information on how Citi helps to protect you.
DISPUTE A CARD TRANSACTION
Disputing a payment on your Citi Debit Card
If you notice that a debit card payment has been charged incorrectly, or that the goods or services were not as expected, you should contact the retailer first to resolve the issue.
If the retailer proves unresponsive or unhelpful, you can contact us and we will try to assist you. Please note that for Citi to raise a dispute on your behalf, you will need to have approached the seller directly first.
Download Dispute Declaration Form >When can I raise a dispute?
lf you can answer YES to any of the statements below, please complete the Dispute Declaration Form:
The payment was processed in a different currency than authorised.
The payment amount is incorrect or has been duplicated.
You have been charged for a purchase that was paid for by other means e.g. cash, another card, etc.
You were charged for a subscription that has been cancelled.
The goods / services were not as described, defective or not received.
You were expecting a refund that has not been received.
What happens next?
So we can proceed with your claim, please note that the completed form should be returned as soon as possible, and within 60 days from the date of the statement on which the amount appears.
After receiving your completed form, we will contact you within 10 business days. If you do not hear from us during this time, please contact us on +44 207 500 1445. Lines are open from 8am to 8pm (GMT/BST) everyday.
If you would like to talk to us about a possible dispute or are unable to answer yes to any of the above statements, please call us on the number above.
Please note that debit cards are not subject to Section 75 of the Consumer Credit Act 1974 under which customers who have a claim against a supplier for breach of contract or misrepresentation will generally have an equal claim against the issuer of their credit card (if the card was used to purchase the item in question).
SECURITY FOR ONLINE PURCHASES
Simple, convenient and safe from fraud
We work hard to make your online purchases simple, convenient and safe from fraud. Your new Mastercard® Citi Debit Card uses Mastercard® SecureCode™ as a quick and sophisticated way of identifying yourself to Citi Security when shopping online. Mastercard SecureCode uses One Time Passwords as an enhanced way of authenticating certain transactions, thus helping to protect you from card fraud. Holders of a Mastercard Citi Debit Card are automatically registered with Mastercard Securecode. To ensure you receive a One Time Password, it's vital your current mobile number is registered with Citi.
Citi monitors the security of your card 24 hours a day, 7 days a week. Each time you make an online purchase, the details are automatically checked against your usual spending patterns and the device(s) you use.
How it works
Regular, recognisable purchases may be authorised at once, to make using your debit card as convenient as possible. For some transactions Mastercard SecureCode may ask you to enter a One Time Password as an extra level of security.
Each One Time Password has six digits, and will be sent by text from 'Citibank' to the mobile phone you have registered with Citi.
To authenticate the purchase, enter the One Time Password in the on-screen box and press Submit. You will then be returned to the retailer's site to complete your purchase.
Please make sure we have your current mobile number
The last four digits of the mobile number we hold for you are displayed at the top of the Mastercard SecureCode box.