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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Citibank

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About bank

In 1912, Citibank started doing business in the Philippines, and it continues to be a key foreign investor today. Citibank has taken the lead in building significant market intermediaries such as depositories, credit bureaus, clearing, and payment institutions in its capacity as promoter-shareholder.

Citibank was established in July 1912 and is one of the Philippines' most rapidly expanding consumer-focused banks. The bank has spread across numerous locations and provides a wide selection of financial goods and services to the Filipinos. The bank is a leading global financial service provider with over 200 million customer accounts and operations in more than 160 national jurisdictions. Citibank offers various financial services and products to customers, businesses, organizations, governments, and institutions.

Features

Citibank offers an extensive network of ATMs that can be used without a fee. There are more than 65,000 ATMs available nationally in Citibank offices and participating retail establishments. Outside of the Philippines, Citibank operates more than 1,800 branches. Citibank offers its clients standard services like bank loans, credit cards, deposit accounts, wealth management plans, and investment possibilities. The bank also provides mobile banking, other financial services, and round-the-clock customer support.

Pros and cons

Citibank has earned the reputation of being one of the most dependable financial institutions in the country. However, before utilizing the bank's products and services, it's crucial to weigh these advantages and disadvantages.

Pros

  • The bank operates several branches and ATMs in the Philippines.

  • The Citibank online platform is easy to utilize.

  • The bank provides a range of banking services and products.

  • Through your Citibank account, you can make online bill payments.

  • The bank has been around for a while. Therefore, they have the expertise needed to offer excellent services.

Cons

  • The bank has some strict guidelines for loan approval.

  • You cannot open a checking or a savings account alone. A package comprising a checking and a savings account must be opened.

  • Customers must visit the bank's branch before completing certain banking transactions, such as applying for a specific loan.

Products

To meet the banking and financial needs, Citibank provides a wide range of products. These are what they are:

Credit cards

Citi Bank is one of the most widely used credit card providers not only in the Philippines but also across the globe. Citibank credit cards offer promotions in some categories, including dining, retail, entertainment, travel, and more. Cardholders can accumulate awards that can be redeemed for thrilling gift cards or statement credits in the future. The bank offers the following credit cards with additional perks like reward points, extra miles, and extra travel benefits:

  • Citi PremierMiles Visa card

  • Citi Rewards Visa card

  • Citi Cashback Visa card

  • Citi Simplicity+ Visa card

  • Citi Prestige Visa card

  • Mercury Drug Citi card

  • Shell Citi card

  • Citi PremierMiles Mastercard

  • Citi Rewards Mastercard

  • Citi Cash Back Mastercard

  • Citi Simplicity+ Mastercard

Deposit

The bank also allows its account holders to make investments and generate decent returns through its various deposit schemes. The bank offers the following deposit accounts to its users:

  • Citibank E-Savings

  • Citibank Peso Everyday Account

  • Citibank Peso Bonus Saver

  • Citibank Peso High Rate Saver

  • Citibank Dollar Everyday Banking Account

  • Citibank Dollar Saver

  • Citibank Foreign Currency Account

  • Citibank Time Deposits

  • Citibank Auto-Savings Plan

Investment services

Many Filipinos prefer Citibank over its other local competitors because of its diverse range of services. Through this service, the bank provides its users access to investments like stocks, bonds, mutual funds, ULIPs, and provident funds.

Lending services

Citibank offers personal loans with a range of incentives and low-interest rates. The bank provides a credit option where customers can benefit from low-interest rates or speedy loan repayment. Users can get a personal loan from Citibank for up to ₱2,000,000 with flexible repayment terms and same-day disbursement. Here, the interest is calculated based on the annual contractual rate that starts at 26.9%.

Banking Services

Users are also provided with general banking services like:

  • Balance inquiry. Owners of Citibank accounts can check the balance of their accounts via the Internet, mobile devices, SMS, passbooks, missed call services, etc.

  • Customer service. Account holders can contact Citibank customer service to fix their problems or get answers to their questions.

  • Internet banking. Customers of Citibank can manage their accounts online from the convenience of their homes or place of employment. Customers only need a User ID and Internet Password (IPIN) to access their Internet Banking accounts.

  • Mobile banking. The simplest method to transfer money, pay bills, find deals, and much more is with Citibank mobile banking. With the help of Citi Mobile, clients can use a mobile device to access their Citibank online accounts.

Citibank

Reviews

FAQ

Who owns Citibank?

The bank is a wholly-owned subsidiary of Citigroup.

Is Citibank a legitimate bank?

Yes, the Bangko Sentral ng Pilipinas regulates Citibank as a legitimate financial institution.

Company documents

Terms & Conditions
SECURITY & PRIVACY

Simple, fast and safe banking, right at your fingertips.

© Citibank

Citibank available areas

  • Ilocos Region
  • Cagayan Valley
  • Central Luzon
  • CALABARZON
  • MIMAROPA Region
  • Bicol Region
  • Western Visayas
  • Central Visayas
  • Eastern Visayas
  • Zamboanga Peninsula
  • Northern Mindanao
  • Davao Region
  • SOCCSKSARGEN
  • Caraga
  • National Capital Region
  • Cordillera Administrative Region
  • BARMM
Citibank available areas

Financial products

Citibank
Personal Loan
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱100,000 - ₱2,000,000
Rate
i

Effective interest rate on the product

26.9% per year
Term
i

Loan term for the financial product

1 - 5 years
Citibank
Citi Simplicity+ Mastercard®
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Citibank
Citi CashBack Mastercard®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
Citibank
Citi Rewards Mastercard®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
All products

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