Citibank Net Banking

What are the features and benefits of Citibank net banking?

Citibank net banking provides the ease of anywhere and anytime banking to the account holder. There are several banking services and transactions that can be carried out using the net banking services of the bank. Some of such features and benefits of Citibank net banking are mentioned below.

Monitoring the account

The various services offered through net banking under this category are,

• View transactions
• View the detailed statement for the past 28 months
• Link multiple accounts to a single login
• Get the benefit of a Spend Analyser to track your spend pattern

Managing the account

The services available under this category are,

• Account-holders can get the user id and password to access the account easily
• Account-holders can change the mailing address, phone numbers and email id multiple times
• Another benefit is to sign-up for eStatements
• Facility to view or edit the standing instructions
• Re-order cheque books
• Get the answer to any queries through the ‘Ask me’ tool available 24x7

Operating your account

The various services provided under this category are,

• Order a demand draft
• Transfer funds through any of the net banking modes (NEFT/ RTGS/ IMPS)
• Pay utility bills through Citibank net banking
• Access personal loan details, pay home loan installments
• view, buy or sell mutual funds
• Open or close any deposits through net banking

How To Register For Citibank Netbanking

The net banking services of Citibank as mentioned above are available to only registered users of the bank. The registration process for net banking can be done through either online or offline mode. The details of these modes are mentioned below.

Offline mode : The offline mode of the registration for Citibank net banking is by visiting the nearest branch of the bank. Account-holders can collect the internet banking from the branch office and submit it after duly filling and signing the same. They can also take the help of the branch executives to fill the form if they face any difficulty for the same or have any issues or doubts in this regard. After submitting the form, the details provided will be verified and the account holder will be given the sanction of internet banking services if all the details are found to be correct. The user id and password will be sent to the account holder at their address through registered post. After receiving these credentials, the users can log in to their net banking account and avail the various facilities offered by the bank without any hassles.

Online mode : The online mode of registering for net banking services requires the account holders to visit the website of the bank to register for the net banking services. The process for online registration of net banking services of the bank is very simple and can be done easily from anywhere and at any time as per the convenience of the account holder. The detailed steps for the same are mentioned below.

• The first step is to visit the official website of the bank: https://www.online.citibank.co.in/?eOfferCode=INHOGNTTNHOME
• Next step is to click on the following link Home>>Online Services>>Internet Banking
• After clicking on the above link, the account holders will have to click on ‘Login Now’ to proceed.
• This will take the users to a new page where they will be required to select ‘First Time users? Register for first-time registration.

This will again redirect the users to a new page where they will have to fill out the following details,

• Product Information
• 16 digit ATM/ Debit card number
• CVV number on the card
• Date of Birth
• Agree to the terms and conditions by checking the box for the same and clicking on ‘proceed’.
• An OTP will be sent to the registered mobile number of the account holder.
• The next step is to authenticate the account information
• The account holder will have to select the User id after the above step
• After selecting the user id, the next step is to choose a Pin that will be used to log in to the net banking account.
• After completing the above process, the account holders can log in to their net banking account using the credentials from the above steps.

How To Create A User ID And Password?

Firstly, the Citibank customer should register for netbanking. Using the bank details, he or she can create a user ID and password. Follow these steps to create a user ID and password:

• Select the “First time user? Register” on the Citibank homepage.
• Post this, click on “self-select user ID and password”.
• The page will be redirected to the customer, and he/she is required to enter the account and card information.
• Firstly, the customer should enter the type of account that he/she holds with Citibank, and subsequently, he/she has to enter the details of his/her debit card - card number, CVV, and the date of birth.
• Click on “Agree” to the terms and conditions.
• Subsequently, the customer should validate the account and debit card details.
• Then, the customer should create a confidential and secure user ID and password.
• Finally, the customer can log into his/her account.
• Once the customer has logged in, he/she can carry out the multiple CitiBank net banking services available.

How to Reset The Citi Bank Net Banking Password?

1.Go to the Citibank official website to change your internet PIN or IPIN.

2. Post this, log on to Citibank online and follow the steps mentioned below:

4. Then, in the left navigation panel, select 'PIN related' in the left navigation panel.

5. Post this, choose the 'Internet PIN' option and follow the instructions given online.

How To Login To Citibank Net Banking?

The steps to log in to Citibank’s net banking facility are as below:

• Step 1: To log in, visit Citibank’s internet banking facility https://www.online.citibank.co.in/products-services/online-services/internet-banking.htm.
• Step 2: Post this, click on ‘Login Now’.
• Step 3: On the subsequent page, you should enter the User ID and IPIN. You will then be able to use the IPIN or the Query Password (QPIN).
• Step 4: As soon as the above details have been entered, click on ‘Login’.

How to Check the Available Balance On The Citibank NetBanking Portal?

Once the login procedure has been completed, Citibank customers will be able to access various details. To access the Citibank net banking portal, you will require the User ID and IPIN that was generated at the time of Citibank net banking registration and account activation to log in. Verifying the balance on the netbanking portal is simple. Citibank customers can see the detailed statement on the netbanking portal and also generate the E-statement as per the customer’s needs. Then the e-statement is sent to the registered e-mail id.

What Are The Modes To Transfer Money On The Citibank Netbanking Portal?

Funds can be transmitted on the Citibank netbanking portal through IMPS, NEFT, and RTGS.

IMPS

The daily transaction limit for IMPS is up to Rs. 2 Lakhs

Given below are the steps to transfer funds through IMPS:

• Go to the Citibank netbanking portal and Login. Add a payee using the account number and IFSC code.
• Once the payee has been added, you will have to click on ‘Banking’.
• Next, select ‘Transfer Funds’.
• You have to click on ‘To Other Bank Account’ on the next sub-tab.
• Post this, you must click on the ‘Make Payment Now’ option that will be present in front of the payee.
• Next, select ‘Immediate Transfer (IMPS).’
• Next, select the account from which you want to transfer the funds. Post this, enter the amount and click on continue.
• Post this, accept the terms and conditions and click on ‘Confirm’.

NEFT/RTGS

NEFT: You can transfer funds from one bank’s branch to another bank’s branch under this scheme. However, when compared to IMPS, NEFT transactions take a longer time.

RTGS: Another payment mode that occurs in real-time and on a gross basis is RTGS. It is used primarily for higher value transfers that need immediate clearance.

Given below are the steps to transfer funds through NEFT/RTGS:

• If you are transferring funds for the first time, you should include the beneficiary or the payee.
• First, you should log in to your internet banking portal.
• Next, provide details of the account to which you must transfer funds, such as the account number, amount, and the city.
• For transfers through NEFT or RTGS, you must provide details of the beneficiary such as the bank, the branch, IFSC code, and the location.
• Post this, you will receive an OTP on your registered mobile number.
• Enter this OTP to complete the payee registration and transaction.
• Standing instructions can be set up in case of transfers within Citibank.
• Funds will be deducted automatically if standing instructions are set up.

Under RTGS, the transaction limit for CPC and Citigold customers is upto Rs. 50 Lakhs and upto Rs. 15 Lakhs for CitiBank customers.

The service charge for all the three modes of transactions is free.

When Should You Reset Your Citibank Net Banking Password?

1. When you enter the wrong password repeatedly, then there is a higher chance that your account will be blocked for safety reasons. In this scenario, you may have to reset your login password to get back the access to the bank’s online services.

2. The CitiBank net banking system may ask you to change your net banking password regularly to prevent any possible threat from cyber attacks.

3. In addition, if you have recently accessed your CitiBank netbanking through a public Wi-Fi network, then it is always advisable to change your login password.

4. Now, alter or reset your CitiBank password as and when required according to your convenience.

FAQs on Citibank Netbanking