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Citibank has been a pioneer in offering innovative digital banking solutions to its customers. Citibank Mobile Banking services are simple to use and allow customers to carry out various banking transactions from anywhere, anytime.

Citibank offers Mobile Banking services through the following channels –

  • Citi Mobile App
  • SMS Banking

Citi Mobile App

Citibank Mobile Banking

This app is a simple and easy to navigate app that allows users to transfer funds, pay bills, locate offers and much more.

iPhone and Android phone users can download the free Citi Mobile App from App Store / Google Play store.

Benefits of using the Citi Mobile App

  • Enhanced daily transaction limit of up to Rs.10 lakhs allows you to do more with your money
  • A free, convenient and secure app to give you access to your account anytime, anywhere
  • Snapshot: This feature on the app gives you a quick & convenient way to access your accounts/cards summary, without any need to login.
  • 'Notifications': This features lets you stay up to date with latest deals and offers via notifications through Citi Mobile App
  • Investments: You can buy, sell and manage mutual fund investments on the go on Citi Mobile App
  • Security: The app does not store any information on your phone or SIM card. All account information is 128-bit SSL protected. This allows for absolute safety of your information even if your phone is lost or stolen. You can also call the customer service to deactivate your IPIN.

Downloading and using the Citi Mobile App

You can access Citibank mobile banking either through your mobile browser or through the Citi Mobile app.

Using the browser: 

  • Visit on your mobile browser. 
  • Click on ‘Login to Citi Mobile’. 
  • Enter your User ID and Internet Banking PIN to login. 

Using the Citi Mobile App: 

  • Download and install the Citi Mobile app from Google Play or Apple App Store. 
  • Launch the app. 
  • Login with your Internet Banking User Id & Password. 

Services available on Citi Mobile

Suvidha Accounts / Banking


View Account Details

View Transaction History

  • Last 2 Days
  • Last 5 Days
  • Between Two Dates

Make Funds Transfer

  • Another Linked Citi A/c.
  • Another Citi A/c.
  • NEFT
  • IMPS - Interbank Mobile Payment Service

Make Payments

  • Utility Bill Payments
  • Credit Card Payments
  • Demand Draft Request

Book Deposits

  • Fixed Deposits
  • Recurring Deposits
  • Multi Deposits
  • Tax Saver Deposits

Make Requests

  • Statement on E-mail
  • A/c. Linking Request
  • Order a Cheque book
  • Stop Payments
  • Duplicate Statement

Manage existing Deposits Accounts

  • Close existing deposits fully/partially
  • Edit maturity instructions

Credit Cards


View Account Details

View Transaction History

  • Unbilled Transactions
  • Latest Statement
  • Previous Statement

Make Payments

Utility Bill Payments

Convert spends to EMIs

Make Requests

  • Statement on E-mail
  • Duplicate Statement

Citibank SMS Banking

Citibank SMS Banking feature is called ‘Instant Assist’. This is handy when you don’t have a smartphone or an internet connection. Citibank SMS Banking allows you to perform basic banking transactions like check your bank account balance, get a One-time password (OTP), check Reward Points, request for a checkbook, etc.

You have to send the corresponding keyword followed by a space and the last four digits of your Debit / Credit Card number. For instance, if you want to fetch the payment due date on your Credit Card and if the last four digits of your Credit Card number are 8656, the content of the SMS to 52484/+919880752484 should be STMT 8656.

Users have to type in the keywords and send it to 52484 or +919880752484

Benefits of using Citibank SMS Banking

  • Does not require any separate registration to use SMS Banking
  • You can carry out SMS Banking anywhere, anytime without a smartphone or an internet connection.
  • There are no charges for using SMS Banking. The mobile operator will charge you for the SMSs sent from your mobile phone.
  • Highly secure since no information is stored on your phone. 
  • Log in with Touch ID/Face ID. 
  • Conveniently convert your credit card transactions into EMIs. 

Services available through Citibank SMS Banking

Bank Account Holders

  • Account Balance
  • Last Salary Credit
  • New cheque book Request
  • Duplicate Statement Request

Credit Card Holders

  • Credit Card Statement
  • Credit Card outstanding with available Credit limit
  • Fetch Reward Points

Services you can access through SMS Banking

Banking Accounts

RequestInformationMessage formatExample

Balance enquiry

To obtain the latest balance in your Citibank account

BAL space Last 4 digits of your debit card number

BAL 1234

Latest Salary Credit

To obtain the latest Salary Credit in your Citibank account

SAL space Last 4 digits of your debit card number

SAL 1234

Nearest ATM Location

To obtain the location of the nearest Citibank ATM(s)

ATM space Location

ATM Mulund Or ATM Noida

Duplicate account statement
(only 1 request per day allowed)

To obtain a duplicate monthly statement. This will be delivered to your Email or to your mailing address as per your existing preference

DUPSTAT space Last 4 digits of your debit card number


Cheque book Request
(only 1 request per day allowed)

To obtain a new cheque book. A new cheque book with 50 leafs would be dispatched to your mailing address.

CHQBOOK space Last 4 digits of your debit card number


One time Password

To obtain an OTP for online transaction using your Debit card

OTP space Last 4 digits of your debit card number

OTP 1234

Credit Card

RequestInformationMessage formatExample

One time Password (OTP)

To obtain an OTP for online transaction using your Credit card

OTP space Last 4 digits of your credit card number

OTP 1234

Rewards points on your Credit Card

To obtain the latest rewards points available on your Credit card

REWARDS space Last 4 digits of your credit card number


Outstanding Balance and available credit limit

To obtain the latest outstanding balance on your credit card along with available credit and cash limits

CARDBAL space Last 4 digits of your credit card number


Latest statement billed amount, Minimum amount due and Payment due date

To obtain the latest statement billed amount along with your minimum amount and payment due date

STMT space Last 4 digits of your credit card number

STMT 1234

Citibank Mobile Banking FAQs:

1. What do I need to access account/card information using SMS Banking?

To use SMS Banking service, you need:

  • A Citibank Debit or Credit Card number
  • A Mobile number registered with Citibank

2. What are the charges for using SMS Banking service?

SMS Banking service is free of charge to all customers. However, any SMS to 52484/+919880752484 may be charged by your mobile operator.

3. I don’t have an iPhone or Android. Can I still access Citi Mobile?

Users who do not have IPhone or android based phones, can still access key Citi mobile functionalities via mobile website by visiting "" on their mobile phone browser. They can still transfer funds, pay bills, recharge e-wallets and much more.

4. What if I forget my User Id or Internet Password (IPIN)?

In case you forgot your User Id or internet password (IPIN), you can generate it again instantly, via Citi Mobile App, by clicking on the corresponding "Forget User ID or Password" link on Citi Mobile home screen.

5. If I don’t use the service for a period of time, will my Citi Mobile App be deactivated by the Bank?

No, your Citi Mobile account will never be deactivated for non-usage. However, there are some security related checks present if you do not login for a long time:

  • In case you do not login to Citi mobile or Citibank online for 180 days, your IPIN is locked for security reasons. You can reset your IPIN via desktop/mobile to continue to login again.
  • Further, for enhanced security on Citi Mobile app, if you do not login to Citi Mobile for 30 days, an OTP validation will be required when you subsequently login to Citi Mobile.

6. How secure is Citi Mobile?

Citi Mobile offers you the best in class security:

  • All your information is 128-bit SSL encrypted.
  • Only you can access your account, by using your Citibank User Id and your confidential IPIN.
  • All card and account numbers or other sensitive information is masked on Citi Mobile.
  • If IPIN (Internet Password) is entered incorrectly for six consecutive times, Citi Mobile will block the usage of your IPIN for security.
  • As an enhanced security measure, a one-time OTP authentication will be done on your first login to Citi Mobile app. This validation is done to avoid any unauthorized login from other mobile devices. Additionally, in case we detect a login with your user ID on a new device, you will immediately receive an SMS/Email intimation.
  • You will also receive alerts in case of login attempt from a device which is Jailbroken/rooted state.

7. What if I change my mobile phone device?

In case you have a new mobile device, you will have to download the app again on the new device to use it. However, as an enhanced security, you will have to authenticate yourself with OTP on first time login on the new device.

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