Citibank

2016-08-13 00:00:00:

In 1992, the first branch of the commercial bank Citibank appeared in Russia. This international financial organization was among the first to enter the domestic banking market. At the moment, the company has the largest authorized capital. In terms of assets, the organization is among the top largest banks operating in the Russian Federation. In 2015, the rating agency conducted research that showed that City Bank ranked 7th in terms of profitability.

Citibank is a subsidiary of the financial network Citi. This corporation has a two-century history. Citi's sphere of influence has spread to 160 countries, its customers are more than 200 million users. The company's services are used by individuals, commercial organizations and state enterprises. The range of opportunities provided by the corporation is incredibly wide:

• investment products;
• lending;
• services related to various financial transactions (money transfers, payment for goods, replenishment of accounts, currency conversion, etc.);
• personal wealth management services, etc.

Citibank is based on the principles of Citi Corporation.

Representative offices (50 branches) of Citibank operate in 11 major cities of our country. The company employs more than 3 thousand people. Over 800,000 Russian citizens use the bank's services.

Modern services and latest technologies

Citibank Online

Bank employees have developed several services that allow you to manage accounts from your home computer. One of them is Citibank Online. Thanks to virtual banking, customers save their personal time: there is no need to go to the branch of the company, stand in a long queue and fill out payment receipts. Banking online is comfortable, fast and safe.

Citibank Online provides users with a wide range of opportunities:

• money transfers (in domestic currency) to accounts opened with Citibank, as well as interbank transfers (free of charge);
• currency conversion (electronic money exchange);
• payment for goods and services (no commission is charged);
• creation of templates for regular payments, as well as the implementation of payment transactions in automatic mode;
• currency money transfers (within the country and interstate);
• repayment of debts on loans (you can set up automatic mode);
• registration of deposits;
• viewing transaction history.

For users of the City Online Bank server , information of the following nature is available:

• information about the current state of the account;
• report on financial transactions;
• exchange rates at the moment;
• information related to the registration of deposit accounts (interest rates, terms of the deposit, conditions for replenishment and expenditure of funds, etc.).

From your personal account in Citibank Online, you can manage your accounts, change the list of people receiving payments, change account access data (PIN codes and passwords).

In case of questions, the client can write to the company's support service. Messages are sent directly from your personal account.

Mobile banking from Citibank

You can also work with Citibank on a laptop or smartphone. By downloading the mobile application to the device, the user will be able to manage accounts and make transactions while walking in the park, traveling in public transport, etc.

Mobile banking provides the same opportunities as Citibank Online. Using virtual cards, you can easily find the nearest ATM, self-service terminal or bank branch.

SMS alerts

Information about the status of accounts, completed transactions, the expiration of the deposit, crediting funds to the account and other information is sent to the client's phone in the form of SMS messages. This service is paid (89 rubles per month).

You can connect SMS notifications in any convenient way.

1. Virtually via Citibank Online.
2. By using customer support services.
3. By contacting one of the branches of the bank.

Electronic statements

In order to promptly receive information on completed transactions, the client can set up the "Electronic Statement" service.

An electronic statement is a PDF document that contains complete information on payment cards, bank accounts, and credit funds. An E-statement is an analogue of a paper version of financial statements.

Money transfers and payment transactions

Citi Bank provides clients with services related to money transfers. Sending money to family and friends through Citibank is convenient, convenient and secure. Financial transactions can be carried out at any time of the day or night, regardless of where the client is located. This will help remote services.

To make a transfer, you must specify the payment details of the sender and recipient:

• the name of the financial institution to which the funds will be transferred;
• financial company identification code;
• correspondent account number;
• subscriber account.

If the funds are sent in foreign currency, then you need to specify the SWIFT code of the banking organization in which the recipient's account is opened.

Cash

You can withdraw cash from any ATM. Customers who receive "live money" at Citibank ATMs do not pay a commission fee. While abroad, you can also get cash for free. To do this, you need to have a Citi One or Citi Gold card.

Payment for services

You can pay for various types of services through Citibank. Thanks to Citibank Online and mobile banking remote services, payments can be made at any time of the day or night, seven days a week. Funds can be withdrawn from a savings account or from a credit card account. The bank offers favorable payment terms without commission and with the accrual of bonus points. Payments are made instantly. Even if you make a transaction just a few hours before the deadline, there will be no delay in payment: the money will be credited to the account of the company providing the service within one minute.

What services can be paid through Citibank?

• Services of mobile operators;
• city telephony;
• services of Internet and TV providers;
• taxes, fines, state duty, etc.;
• traffic fines;
• public utility services;
• payment for the use of security systems.

After the payment transaction, the user will receive an electronic version of the payment receipt. It can be printed on a home printer. This document is proof that the payment has been made. The receipt contains the details of the payer and recipient, the amount and date of the payment.

Single account

The “Single account” service is especially in demand when making regular payments, for example, paying utility bills. By activating the service, the client will no longer worry about the timely payment of the fee: Citibank will take care of everything. The user's task is to set the necessary parameters: payment data, amount and date of the transaction. At a strictly appointed time, the money will be debited from the account and transferred to the balance of the organization that provides the service.

If there are not enough funds on the client account for the transaction, the debt will be transferred to the next payment period.

Carrying out the operation in automatic mode does not provide for a commission. All transactions are carried out according to the schedule set by the client. Within 48 hours, a notification is sent to the user's mobile phone that a financial transaction is planned. The client will also be notified of the successful completion of the payment.

Not only the owner of the apartment, but also an outsider (relative or close friend) can pay for utilities through the One Wallet service. You need to know the personal account number, address, phone number.

Algorithm for connecting the "One Wallet" service

Connecting the "Single Wallet" involves several actions.

Step 1. You need to call Citibank's customer support service or contact one of the branches of a financial institution.

Step 2. Provide bank employees with the data necessary to pay utility bills: address, telephone number, personal account, insurance number.

Step 3. The service is connected! In the personal account of the Citibank Online server, you need to configure the auto payment settings: specify the amount and time of the financial transaction.

Credit cards

Citibank issues several types of credit cards. Each product has its own terms and conditions. Depending on their financial needs, the client can choose the most suitable option.

1. Premier Miles World MasterCard is the perfect solution for travel lovers. With this card you can buy tickets for various types of transport and get bonus points (miles). The payment document provides a good discount (up to 20%) on goods purchased in domestic and foreign stores.
2. Citibank MasterCard is a premium card. It provides its owner with great opportunities, discounts and bonus miles. The plastic document is equipped with a security chip.
3. CASH BACK is a profitable offer. When purchasing goods in the stores specified in the agreement and paying with this card, the client receives 5% of the purchase amount on his account. After the first purchase, the bank pays 1000 rubles. Using the card in other stores or shopping centers, its owner will receive 1% of the value of the goods.

Deposits with Citibank

By investing, you can get a stable income. At the same time, the depositors' finances are completely safe (the banking electronic system is equipped with reliable protection against hacker attacks).

Each citizen can open several deposit accounts in various currencies. Money can be attracted from a savings or current account.

You can open a deposit through remote services (Citibank Online, mobile banking).