Many borrowers are interested in how to top up their Citibank credit card balance. More and more people are becoming its owners, since it provides ample opportunities when paying for goods and services. Each client can deposit funds in the way that is most convenient for him.

Ways to put money on a credit card

There are several options to top up your Citibank credit card balance:

1. 1 through ATMs with the function of depositing money;
2. 2 at the bank's cash desk;
3. 3 transfer from another bank;
4. 4 from Eleksnet terminals;
5. 5 postal transfer;
6. 6 intrabank transfer via online service Citibank Online;
7. 7 via mobile service CitiPhone.
8. 8 Yandex Money

ATM

Follow the prompts on the screen and deposit money (there is no commission). Take into account:

— you can only deposit rubles - no more than 30 banknotes per transaction (you can put them in one bundle into the receiver);

It is possible to deposit money without a card - you just need to correctly indicate its 16-digit number;

You need to choose the right purpose for depositing funds.

To put money on a credit card, you can use another Citibank card, and then select the card number where the funds are credited.

Citibank and other financial institutions

At any branch, you can top up your Citibank credit card balance through the cashier by filling out a receipt and making a payment.

Funds can be sent from an account opened at another bank by wire transfer. Find out the details for this on the Citibank website. The sender will charge a commission, which you should ask about in advance, as it may vary from bank to bank.

Eleksnet terminals

Select the required items on the terminal screen (you can use the “Address Book” payment menu). Transfer money to your credit card. Funds will be transferred instantly. There is no transaction fee. The document confirming payment is a notice. It shows the terminal number, its address, date, time, payment amount, card number, type of payment (in this case, “Debt repayment”).

Post offices

The plastic card account acts as a high-security wallet. With its help, users make purchases, pay bills, use cash, and more.

Sooner or later, the card balance runs out, so replenishing it is an inevitable step.

You can top up your Citibank card in different ways - in cash, without cash transfers, or in the old and proven way - through a Citibank cash desk.

Conditions for replenishing the card balance

Citibank card holders can top up their balance only in ruble currency. If the balance is topped up at an ATM, the device accepts no more than 30 bills at a time.

Banknotes are placed in one pack, and there should be no foreign objects in them. If funds are deposited into an ATM without plastic, the owner must enter the 20-digit number of his account or the 16-digit details to which the money will be transferred in the future.

At this step, the depositor must indicate the correct purpose for depositing cash: savings, current, credit account or credit card.

Methods for replenishing your account with cash

Cards with no credit limit are now provided by almost all credit institutions. So, users can store funds in the account and pay with them non-cash.

Before topping up your Citibank card, you should familiarize yourself with all available methods in advance.

Via ATM

• the user inserts the plastic into the card reader;
• enters the password;
• selects the appropriate option on the monitor;
• inserts money into the receiver. Do not place more than what is indicated on the device, as violation of the conditions may cause malfunctions. If the amount exceeds this limit, it is advisable to split it into several parts and repeat the operation;
• gives his consent to the transfer of funds to the plastic card bank account;
• takes the card and receipt.

The main thing is that the functionality of the device has the option of accepting banknotes. Citibank ATMs have the ability to instantly deposit funds.

The devices of this company differ from other ATMs by the presence of green stickers on the body. Money can be transferred at any time of the day or night, and Citibank does not charge a commission for this transaction.

Due to the fact that the company does not have a developed network of ATMs throughout the country, this method can hardly be called the most convenient and simplest.

Via Eleksnet terminal

• the user indicates the account number or plastic card;
• inserts money into the bill acceptor;
• agrees with the operation and the size of the commission;
• takes the receipt.

All terminals of this plan are aimed at replenishing a card account. This is also indicated by a special green sticker.

At the cash desk of any Citibank branch

If for any reason the two previous options are not available, you can top up directly at the company’s office.

Replenishment is carried out according to Citibank’s work schedule. The client must provide a passport or other document whose credentials also confirm his identity.

At the cash desk of any bank

At a branch of another bank or at the post office, you can top up your plastic balance if you have a personal passport and full bank account details.

The company must provide the details of its lender (Citibank), BIC, INN, full name and number of the plastic product. At the post office you need to write the zip code and postal address of Citibank, your full name, address and card number.

Non-cash replenishment methods

Bank cards are an almost ideal tool, completely safe and comfortable for managing your cash balance.

For this reason, more and more people prefer to use plastic cards, since cash is riskier, easily lost, spent without thinking, etc. This fact motivated Citibank management to create non-cash replenishment methods. Today there are only three of them.

Through your personal account

Citibank users can replenish their cards without commission in their accounts both within the system and with third-party companies.

The main thing is that there is an appropriate amount of money on the balance, and it is possible to confirm the transaction using a verification SMS. Depending on the name of the bank, the process and procedure for replenishment may differ slightly;

Citibank Online Service

Any Citibank account that has the required amount of money on its balance is suitable. To make a transfer, the user must select the desired card account and confirm the operation by entering the code received via SMS;

Through virtual wallets Qiwi, Yandex.Money, webmoney

The card must be linked to an electronic wallet. You should try all existing options to determine the one whose conditions suit you best.

In addition, it is more convenient to top up your card account balance in advance so that it always contains a sufficient amount of money to pay for urgent services and goods.

Check out bank offers

Cashback card in Rosbank

Apply for a card

More about the map

• Cashback up to 7% - on selected categories;
• Cashback 1% - on all purchases;
• Bonuses, discounts on goods and services from VISA;;
• Internet banking – free;
• Mobile banking – free;
• Up to 4 different currencies on 1 card.

Card from Unicredit Bank

Apply for a card

More about the map

• Up to 5% cashback;
• Cash withdrawal without commission at partner ATMs;
• Card maintenance is free;
• Internet banking – free;
• Mobile banking is free.

Card from Home Credit Bank

Apply for a card

More about the map

• Up to 10% cashback with partners;
• Up to 7% per annum on account balance;
• Withdrawing funds from ATMs without commission (up to 5 times a month);
• Apple Pay, Google Pay and Samsung Pay technology;
• Free Internet banking;
• Free mobile banking.

More about the map

Citibank's main activities are operations with securities, deposits, and cash services for individuals and large corporations. In addition, the bank issues plastic cards, and issuing them is quite simple. With it, the user has the opportunity to repay loans, pay utilities, make purchases, use cash, etc. Today, for many people, using a card is the most convenient way to manage their money. Therefore, users are concerned with the question of how to put money on a Citibank card?

Looking back a couple of years, you realize how much everything has changed in the field of bank cards. Today, plastic is considered a mandatory attribute of every modern person. Recently, almost all payments for services and goods are made using a card - a non-cash form. Savings, credit, salary - Citibank offers many options, all of them have different conditions and tariffs. Naturally, a large bank offers several options for replenishing a Citibank card. Advantages of plastic:

• Easy to apply and receive.
• Convenient to use, there is no need to carry wads of money to make a large purchase.
• Fast payments at retail outlets and online stores.
• Can serve as a means of storage.

To receive salaries and make non-cash payments and purchases, you can use a classic card. If it is very important for the user to emphasize his status, it is necessary to acquire a gold or premium card, which provides a little more opportunities, unlike all the others.

They will tell you how to top up your Citibank card at any bank branch.

How to deposit money on a Citibank card through an ATM

But no matter which card option the user chooses, sooner or later the money on the card runs out, so replenishment is inevitable. Through Citibank, you can top up your credit card using ATMs that have the option of instantly depositing money. Such payment devices are easy to distinguish from all others, as they are marked with green stickers. Pros and cons of instant enrollment:

• Accrual is carried out online.
• Payment devices operate 24 hours a day, so you can top up your card at any convenient time. At the same time, there is no need to stand in line and adapt to the working schedule of the cash register.
• There are no commissions for crediting money to a card via an ATM from Citibank.
• If charges are made to a Citibank client’s account, such an operation can be performed without the presence of plastic.

In order for a financial transaction to be successful, you must be careful when reading the menu on the ATM, and also follow all the steps correctly and consistently. You can deposit money to a Citibank card through an ATM without commission

Before you top up your Citibank card, you need to read the step-by-step instructions:

• Remember! Replenishment of the balance is carried out only in rubles.
• A one-time payment of no more than 30 banknotes. Money can be placed in the bill acceptor in one pack. At the same time, you need to make sure that there are no paper clips or rubber bands.
• When depositing money without a card, it is important to enter the 20-digit account number or 16-digit details of the card to which the funds are credited.
• At this stage, you need to choose the right purpose for depositing cash (loan, current or savings account, credit card).

Bank cards: registration methods

Every citizen of Russia can apply for a bank card; this requires very little time and access to the Internet. First of all, you need to fill out a form, which will undergo a special check by bank employees to ensure the accuracy of the entered data. If everything turns out to be in order, bank employees will announce the result over the phone within 15 minutes.

You can also apply for a plastic card directly at a bank branch. You must have with you documents confirming the identity of the applicant (passport of a citizen of the Russian Federation). Citibank has a wide and complete selection, so every user will find a plastic card that fully suits his preferences and requirements. Some bank card options: Element 120, Aeroflot Citibank card and many others.

conclusions

To summarize, I would like to focus on the fact that Citibank cards have been in particular demand lately; they have proven themselves to be the best. The card holder can be 100% sure that he will not be scammed or deceived. When applying for a plastic card, ask the employees about questions that interest you, for example, how can I put money on a Citibank card without commission and where can this be done? How to properly close a credit card afterwards? The bank employee will provide a complete and comprehensive answer.

In accordance with the user agreement for the card, a grace period is provided. It is assigned individually for each client. The maximum duration of the grace period is 50 days from the date of any expense transaction. During this time, the user must deposit funds into the card balance in an amount equal to the minimum (mandatory) payment or equal to all expenses incurred. The card balance can be topped up using free and paid methods.

How to top up a Citibank credit card without commission

For the convenience of clients, Citibank has provided several ways to replenish the card, which are not subject to any commission. This policy makes use even more profitable. To ensure that the holder does not spend his own funds for replenishing the card, it is recommended to clarify in advance all possible free options.

1. Citibank ATM

The card is issued in the region where the bank operates, which means holders can use Citibank’s own ATMs without visible restrictions. The most optimal and convenient option for paying with a card is depositing funds through an ATM. Payment is accepted only in cash. There are no maximum restrictions on amounts. The minimum replenishment amount is 100 rubles. Service fee - 0%. Funds are credited to your card account instantly. To carry out the operation, you will need to insert a card and enter a valid PIN code. Replenishment by card number is not provided.

2. Through Citibank cash desks

Users can deposit the required amount of funds through a Citibank cash desk in cash. To do this, you only need to have your passport with you. Replenishment is made using the card number (you don’t have to have the card with you). The holder indicates the card number, deposits cash, and collects a receipt for the transaction performed. No commission is charged, but only if the top-up amount is equal to/exceeds 45,000 rubles. Funds are credited to your balance within the current day.

3. In Eleksnet terminals

Elexnet is an official partner of Citibank, so replenishment transactions here are made by users free of charge. The minimum amount is 100 rubles. There are no restrictions on maximum amounts. The transaction is carried out using the card number and only in cash. Funds are credited instantly. The terminal menu initially contains the corresponding tab, so holders do not have problems with carrying out the operation.

4. At Russian Post offices

You can top up Citibank by postal order at any Russian Post office. The only disadvantage of this method is the duration of the actual crediting of funds to the card. By default, the enrollment period is up to 5 working days. In fact, funds may arrive in 1-3 days. The exact date of receipt of funds cannot be determined. Replenishment is made using your passport and only in cash. The minimum amount is specified at the branch by the user independently. The maximum amounts are limited to 500,000 rubles.

5. From a personal account at Citibank

The user can repay card obligations from his Citibank account. There are no restrictions on amounts. The commission is completely eliminated regardless of the terms of the transaction. The term for crediting funds to the card balance is up to 3 days. The operation is performed in your personal account. To do this, you need to open the “payments” tab, enter your own card number, indicate the amount, and activate the transaction. For more convenient use of the card, it can be linked to a bank account.

3 ways to top up a credit card with a fee

Free card replenishment methods may not be available to the user. In accordance with the user agreement, alternative (paid) options for replenishing the card balance are provided. It is recommended to clarify the amount of the commission fee in advance. The replenishment amount is paid separately from the commission amount - so that the required amount of funds (for example, the minimum payment) is fully credited to the card.

1. Through a Citibank cash desk

The bank introduced a commission for replenishing the card through its own cash desks if the user deposits less than 45,000 rubles. In this case, the commission amount is 250 rubles. The commission is fixed. It can be paid separately (in addition to the replenishment amount) or at the expense of the deposited funds. Refusal to pay the commission on the part of the client will cause the bank employees to refuse to carry out the operation.

2. Through cash desks of third-party banks

You can top up your card at the cash desks of third-party banks. The transaction is carried out in cash only. The amount of the commission is set by the bank providing the transaction.

The commission here consists of two components: a percentage of the replenishment amount + a fixed amount that does not depend on the terms of the transaction. Enrollment periods are usually long. Funds arrive within 1-3 days.

3. Replenishment through the money transfer system

For 1-1.5% of the replenishment amount, the user can add money to the card balance through money transfer systems. This service is provided by all major services: Zolotaya Korona, Contact, Leader, and others. Citibank does not yet have cooperation agreements with any of the systems, so transactions are carried out by holders only taking into account the commission. Funds arrive within 15-30 minutes. The minimum amount is 100 rubles. There are no maximum restrictions.

Fines for late payment

This is one of the individual conditions of the concluded loan agreement. It is stated in the document as a separate paragraph. The maximum fine is 20% per annum, calculated on the amount of the existing debt. The amount of debt is accrued daily at 0.054% for each day of delay. There are no one-time fines for late fulfillment of obligations. Penalties are calculated from the first day after the deadline for making the minimum (mandatory) payment.

: A certain percentage of overdue agreements occurs in cases where users failed to top up their Citibank credit card on time. The method they used was inaccessible, and they knew nothing about alternative options. This is where disagreements arise with the issuing bank, which charges penal interest against the user. To prevent this from happening, the holder must know in advance all possible payment methods for the card.

By opening a line of credit with this bank, you will not puzzle yourself with the question “how to pay for a Citibank card loan?”

For your convenience, we have developed many convenient payment options:

1. In cash using our bank's ATM.
2. Payment via the Eleksnet terminal.
   3. Payment directly in our bank.
   4. Payment from accounts of other banks.
   5. Payment by Russian Post.
   6. Pay via mail.

Benefits of having a current account with us

• Citibank Online – you can pay your loan debt through an online resource.
• CitiPhone – transfer funds to your account using a phone call.

You can make a debit from your account with the help of a call center operator or independently, following the automatic prompts of the system.

Additional services:

• To instantly top up your Citibank current or savings account, you can enable the “Automatic Payment” option.
• Citibank Online and CitiPhoneс systems allow you to view your monthly loan account statement and find out account details for payment.
• “Electronic statement” - notifications will be sent to your email that your monthly credit account statement is ready.

You can repay the loan as follows:

• Full payment of credit debt.
• Minimum payments or payment in the amount of 5-100% of the debt amount.
• Monthly contributions must be at least five percent of the debt amount, starting from 300 rubles.
• If the credit debt is paid earlier than the date indicated in the statement, interest on the use of credit funds will not be accrued, i.e. The grace period for using the loan will open. But to do this, you need to completely repay the loan debt.
• As you pay off your debt in full or in part, your credit limit will increase in proportion to the amount repaid.
• When making purchases through retail chains, part of the money will be returned to your credit account and reduce the current loan debt. However, they will not become payments to pay off debts on the statement.