When a client needs to replenish the balance of an account or card, he can use many methods of cash and non-cash services. Citibank users are offered to top up the card through bank branches, functional machines, and the Internet Banking system.

Citibank card top-up methods

You can spend the accumulated bonus points in 2 cases:

1. In the event that the user decides to exchange bonuses for cash, then the Cash back Pro service should be used. To use this service, the consumer needs to pay for products with this category. It can be travel, restaurants, cinemas, gas stations. An exchange request is made through the Internet banking system.
2. Payment for purchases, services at the expense of bonus points is a fairly common service. The official website of Citibank contains a list of partner companies through which you can spend the accumulated bonuses. The main partners of the Citi Select program include: British airways, Rewards club, Kris flyer, Detsky Mir, Perekrestok, Rosinter.

Registration and login to your personal account

Registration in a personal account is a convenient option for individuals. Using the functions of the personal account, the user can quickly and easily pay for services, buy goods, make internal and external transfers.

To register in the Internet banking system and create a personal account, you need to follow simple rules:

After registration is completed, you can enter your personal account using the "Login" button, then specify your username and password. You also have access to your personal account via your mobile phone.

Citibank Loan Payment Methods

An individual can pay for a credit card or a Citibank loan through ATMs, terminals, cash desks, Russian post, Internet banking.

When applying for a loan, a current account is opened for the client, from which the repayment amount will be automatically debited according to the established schedule. The task of the user is to deposit funds into the account in the right amount on time.

Payment through Citibank ATMs:

1. Go to the ATM menu, enter the account/card number.
2. Then click the "Cash Deposit" button.
3. Insert banknotes up to 30 pieces into a special device.
4. Confirm the operation in the menu.
5. The ATM will provide a receipt confirming the completion of the transaction.
6. Instant crediting of the amount to the account without commission.

Payment via terminals Eleksnet:

Payment through the post office of the Russian Federation:

1. In the post office of the Russian Federation, the cardholder fills out a transfer form.
2. The credit account number, passport number, transfer amount are indicated.
3. The completed form with money is transferred to the post office.
4. The cashier issues a receipt for the transfer.

Cash service of Citibank:

1. Go to any bank branch.
2. Take an electronic queue voucher at the cash desk for servicing individuals.
3. At the cash desk, the client will be asked for an identity document and an account/card number.
4. After processing the transfer, the cashier will provide a receipt.
5. Instant credit to the account.
6. When transferring an amount up to a limit of 45,000 rubles. commission - 250 rubles, if the amount is more than the limit, then the commission is not charged.

Payment via personal Citibank account:

Payment through other banks:

1. Use ATMs and cash departments of intermediary banks.
2. Using your personal account, you can make a payment with the specified commission.
3. The term for crediting the amount to the account depends on the conditions of the bank. Commission - from 1-3%.

Citibank offers comfortable conditions for replenishing a card, repaying a loan, ensuring high security of each transaction.

Main activity Citibank- operations with stock assets, bank deposits, cash services for individuals and large corporations. Moreover, the bank specializes in issuing credit cards, making them very easy. With it, the consumer has the opportunity to repay loans, pay utility bills, make purchases, use cash, etc. Today, for most people, using a card is a very convenient way to manage their own cash. Thanks to this, customers are worried about how to put cash on Citibank card?

Benefits of using credit cards

Looking back a couple of years into the past, you begin to understand the extent to which everything has changed in the field of credit cards. Today, plastic is considered a necessary attribute of every modern person. Now, almost all payments for services and goods are made using a card - a non-cash form. Cumulative, loan, debit - Citibank recommends many options, they all have very different conditions and rates. Naturally, a large bank recommends a couple of options like top up the card Citibank. Pros of plastic:

• Easy to apply and receive.
• Comfortable use, for making a large purchase there is no need to carry bundles of cash.
• Fast payments at points of sale and online stores.
• Serve as a collection tool.

To receive wages and make payments without the use of cash and purchases, use the simplest card. For example, if it is fundamentally important for a consumer to highlight his own status, you need to get a gold or premium card, which provides a little more opportunities, unlike all others.

How top up Citibank card will be prompted at any bank branch

How to put cash on a bank card Citibank through an ATM

But no matter which version of the card the client chooses, over time, the cash on the plastic ends, thanks to which replenishment is inevitable. Through Citibank top up A credit card can be used using ATMs that have the option of instant cash transfer. Such payment devices are easy to distinguish from all others, as they are marked with green stickers. Pros and cons of instant deposit:

• The payment is made online.
• Payment devices work 24 hours a day, thanks to this top up the card can be done 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 desk.
• For crediting cash to a bank card, through an ATM from Citibank, commissions are not charged.
• If accruals are made to the client's account Citibank, a similar operation can be done without the presence of plastic.

In order for the banking operation to be successful, you should be careful when reading the menu at the ATM, and also correctly and gradually follow all the points. Through an ATM, you can deposit bank cash on a Citibank card without commission
Follow the instructions on the ATM screen to deposit cash into your account

Before top up Citibank card, you need to get acquainted with the step-by-step instructions:

• Do not forget! Replenishment of the balance is carried out only in rubles.
• Single deposit less than 30 banknotes. Cash can be placed in a bill acceptor in one bundle. At the same time, you need to make sure that there are no paper clips and elastic bands.
• When depositing cash without a card, the main thing is to enter the 20-digit account number or 16-digit legal data of the card to which funds are credited.
• At this step, you need to choose the right purpose for depositing cash (loan, current or savings account, credit card).

Credit cards: registration methods

Any person in Russia can apply for a plastic card; to do this, you need very little time and access to the Internet. First of all, you need to fill out a questionnaire, which will undergo a specialized check by bank managers for the veracity of the entered data. If everything is in order, within 15 minutes, bank employees will announce the result over the phone.

Checkout Citibank card in any department

You can also apply for a bank card directly at the bank branch. You need to have papers with you that confirm the identity of the applicant (passport of a citizen of the Russian Federation). Citibank owns a wide and comprehensive selection, thanks to which each client will find a plastic that is absolutely suitable for his choices and requirements. Certain credit card options: "Component 120", map Aeroflot Citibank and others.

conclusions

Summing up, I would like to draw attention to the fact that now Citibank cards are in great demand, they have proven themselves to be excellent. The cardholder can be 100% sure that he will not be “thrown” or deceived. When applying for plastic, ask employees about questions that are of interest to you, for example, how to put bank cash on a Citibank card without a commission and where can I do it? How to properly close a credit card afterwards? The bank employee will give a complete and detailed answer.

In accordance with the user agreement for the card, a grace period is provided. It is assigned on an individual basis for each client. The maximum duration of the grace period is 50 days from the date of any spending transaction. During this time, the user must deposit funds to the card balance in an amount equal to the minimum (mandatory) payment or equal to all expenses incurred. Replenishment of the card balance is made by free and paid methods.

How to top up a Citibank credit card without commission

For the convenience of customers, Citibank has provided several ways to replenish the card, which are not subject to any commission. Such a policy makes the use even more profitable. So 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 of the bank's presence, which means that holders can use Citibank's own ATMs without visible restrictions. The most optimal and convenient way to pay with a card is to deposit funds through an ATM. Payment is accepted only in cash. There are no limits on amounts. The minimum replenishment amount is 100 rubles. Service fee - 0%. Funds are credited to the 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 the Citibank cash desk in cash. To do this, you only need to have a passport with you. Replenishment is made by card number (the card can not be carried). The holder indicates the card number, deposits cash, takes a check on the operation performed. Commission is not charged, but only on condition that the replenishment amount is equal to / exceeds 45,000 rubles. Funds are credited to the balance during the current day.

3. In Eleksnet terminals

Eleksnet is an official partner of Citibank, so deposit 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 by card number and only in cash. Funds are credited instantly. The terminal menu initially contains the corresponding tab, so the holders have no problems with the operation.

4. At the offices of the Russian Post

You can top up Citibank by postal order at any branch of the Russian Post. 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 business days. In fact, funds can arrive in 1-3 days. The exact date of receipt of funds will not be specified. Replenishment is made according to the passport and only in cash. The minimum amount is specified in the branch by the user independently. The maximum amounts are limited to 500,000 rubles.

5. From a personal Citibank account

The user can repay card obligations from their Citibank account. There are no limits on amounts. The commission is completely excluded regardless of the conditions of transactions. The term for crediting funds to the card balance is up to 3 days. The operation is performed in a personal account. To do this, you need to open the "payments" tab, enter your own card number, specify the amount, 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. The size of the commission fee is recommended to be specified 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. Via Citibank teller

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 deposited separately (in excess of the replenishment amount) or at the expense of deposited funds. Refusal to pay the commission on the part of the client will cause a refusal to carry out the operation on the part of the bank employees.

2. Through the cash desks of third-party banks

You can top up the card at the cash desks of third-party banks. The operation is performed only in cash. 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 are received within 1-3 days.

3. Replenishment through the money transfer system

For 1-1.5% of the replenishment amount, the user can deposit 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 made 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.

Late Payment Penalties

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

: A certain percentage of delinquency on contracts occurs when users fail to top up their Citibank credit cards on time. The method they used turned out to be inaccessible, and they knew nothing about alternative options. This is where disagreements arise with the issuing bank, which charges penalty interest on the user. To prevent this from happening, the holder must know in advance all possible methods of paying for the card.

There are free and paid ways to top up a Citibank card. This can be done through ATMs, through cash desks, terminals and post offices.

Based on an existing Citibank card user agreement, there may be a grace period for payment. This period is assigned strictly on an individual basis in relation to all clients.

The average duration of the interest-free period is 30 days, and the maximum is 50 days from any transaction. During this time, the client must deposit funds to the balance of the Citibank card in an amount equal to the minimum.

How can I top up a Citibank card without commission?

Citibank customers are offered a choice of several card payment options that are not subject to commission. Thanks to this, the use of the card "Easy!" and others are beneficial to the holder.

In order not to spend your own money for replenishing your account, we recommend using free payment options.

At a Citibank ATM

You can deposit money to a Citibank card without commission from a credit card at an ATM.

The card is issued in the area where Citibank is located, therefore, its holders have the opportunity to start using their Citibank ATMs without restrictions. The service is available only after activation.

The easiest and best way to make a payment by card is to deposit cash through an ATM.

• The minimum amount for replenishment is 100 rubles.
• Service commission - 0%.

It is possible to replenish the balance of the card, even without having it with you. It is enough just to enter its number from 16 or 20 digits.

For the operation you need:

1. insert the card into the device,
2. set language,
3. enter a pin code,
4. select the service "Deposit cash" on the screen
5. deposit the amount in rubles, but not more than 30 banknotes at a time.

American Citi ATM

Via Citibank cash desks

System users have the opportunity to freely deposit the required amount of money through the cash desk of Citibank in cash.

To deposit money for payment, you only need to have your passport with you.

Account replenishment can be carried out by card number(payment can be made without a card).

This is what Citibank branches look like from the outside

• Service fee is not charged if replenishment is in progress from 45000 rubles.
• The due date is no later than the next business day.

Through terminals Eleksnet

The Eleksnet system allows you to deposit money in cash. The service is a partner of Citibank, for this reason, transactions to replenish the balance are made by clients in a free mode.

• The minimum amount for replenishment is 100 rubles.
• Replenishment is carried out by card number.
• Funds are credited to the account almost immediately.

There is a corresponding tab in the terminal menu, so clients never have problems with the operation.

Device menu

In addition, you can replenish via the Eleksnet Internet wallet online on the website elecsnet.ru. Enrollment term: instantly.

In the photo: the interface of the PS "Eleksnet"

At the branches of the Russian Post

Customers can top up any Citibank card by a simple postal transfer at each post office of the Russian Federation.

Important: one disadvantage of this method is the duration of the actual accrual of funds to your card. By default, the enrollment time is up to five business days. In reality, the funds will come after 1-4 days. You will not be able to determine the exact time of receipt of money.

Replenishment of an account through the Russian Post is usually carried out using a citizen's passport and only in cash. The minimum amount of replenishment is specified in the branch itself by the user of the system.

The maximum amount of money is limited to 500 thousand rubles.

Via personal account online

The system user can repay financial obligations on a credit card from an account with Citibank around the clock.

The operation is performed via the Internet in the online mode in the personal account of Citibank Online. You can also close your City Bank credit card there if necessary.

There are no replenishment limits. The term for crediting the card balance is within 3 days.

You need:

1. go on the website citibank.ru to your personal account using your login and password,
2. open the "Payments" tab,
3. enter your card number,
4. indicate the amount
5. activate the transaction.

For convenient use, the card can be linked to your bank account.

4 ways to top up a credit card with a fee

In some cases, users may not be able to use free card replenishment methods. In accordance with the existing user agreement, you can use alternative methods of replenishing the balance.

The amount of the commission fee for a particular payment option should be clarified in advance.

At the cash desk of Citibank

• The bank has set a commission for the possibility of replenishing a credit card through its cash desks if the client deposits less than 45 thousand rubles into the account. In this case, the fee for depositing money is 250 rubles per deposit.
• The fee for depositing money is fixed and can be paid separately.
• Refusal to pay such a commission on the part of the client will be the reason for refusal to carry out the operation.

Through third party banks

Where can it be done? It is possible to top up a credit card for a person at the cash desk of another banking institution.

An operation involving another bank (Sberbank, VTB, Alfa-Bank, etc.) is carried out in cash and non-cash form. A transfer from another card can be used via an Internet bank (for example, via Sberbank Online).

The amount of the commission is set by the institution that ensures the transaction.

Through money transfer systems

In this way, you can also put money on a Citibank card.

For 1% or more of the replenishment amount, the payment system user can deposit his savings to the balance of his debit or credit card.

Translation services are provided by such services as:

• Gold Crown,
• Leader,
• Contact, etc.

Important: Citibank does not yet have agreements on cooperation with these companies, therefore, deposit transactions are made by holders, taking into account the commission.

Transfers arrive in 15-30 minutes even in the USA. The minimum amount is 100 rubles.

Through virtual wallets

It is possible to deposit money on a Citibank card through the Qiwi Visa Wallet, Yandex.Money, WebMoney, or through the Qiwi terminal and Eleksnet.

To make a payment, you need to link the card to a virtual wallet.

Terms of payment for a loan at Citibank

Interest on credit card debt is usually charged if the customer has made purchases or withdrawn their cash from the card.

The holder can repay the debt on the card in whole or in separate parts - within twenty days from the date of making the minimum monthly payment.

• The minimum amount for making one installment is 5 percent of the total amount of the debt (but not less than 1000 rubles).
• If you immediately repay the debt in full before a certain date, which is indicated in the monthly statement, then interest for using the credit line is not charged. This is how the grace period works.

Attention! As part of the current program "Pay in installments!" You can repay the Citibank loan in equal installments at a reduced interest rate.

• After paying off your credit card debt, the size of your credit line rises by the amount of the repayment. This does not take into account the commission and interest on the loan.

* The specified amount of money is subject to payment in the case specified in paragraph 2. 6 of the Terms. In all other cases, the minimum loan payment is calculated in clause 2.5 of the Terms.

Late Payment Penalties

Currently, late fees are one of the individual conditions for concluding a loan agreement. These conditions are written in the document in a separate field.

A credit card from a Citibank institution is a payment instrument that allows you to use borrowed funds for cashless payments without interest for 50 days. In order not to get out of the grace period, you need to deposit money into the account on time. You can do this without paying a commission fee. There are several options for replenishing a payment instrument, which allows you to choose the best method.

Replenishment of the card without commission can be done in several ways.

Through an ATM

Citibank cash machines can be found in many major cities and can be used to complete the procedure.

The operation is performed only in the national currency of the Russian Federation. A maximum of 30 banknotes can be deposited into the ATM at a time.

To carry out the procedure, you need to adhere to the following algorithm:

• Place the payment product in the appropriate compartment on the ATM;
• Fill in the PIN code window;
• Select the desired item from the menu;
• Insert cash into the receiver;
• Complete the enrollment and complete the procedure;
• Take your check and credit card.

The advantages of this method:

1. Ease of transaction;
2. No commission fee;
3. The transfer can be performed at any time of the day, on any day of the week;
4. Instant transfer of funds.

The disadvantage is that ATMs can not be found in every locality.

Through an operator

Through the branch operator - another way to top up a Citibank card. To do this, you need to contact the division of the company with an identity card. No payment instrument required.

In this way, the operation is performed as follows:

• Contact a branch officer
• Provide an identity card and name the number of the payment instrument;
• Transfer money to the operator;
• Get a check.

The amount of a gratuitous transfer is from 45,000 rubles. Funds are credited within a day.

At Eleksnet terminals

The Eleksnet organization cooperates with Citibank, so the clients of the institution can put money on the card without commission.

Transaction algorithm:

• Select the desired menu item;
• Enter the card number;
• Follow the instructions of the system, then insert the money into the appropriate branch of the terminal;
• Confirm the action;
• Complete the procedure and collect the receipt.

One of the main advantages of the method is the instant transfer of funds.

At the branches of the Russian Post

Replenishment of the card through the post office also occurs without additional write-offs. However, this method has more disadvantages than advantages.

Cons of transfer through the post office of the Russian Federation:

• A large number of people at any time, which creates queues;
• Employees in most cases work slowly;
• Money is credited to the card within 5 days.

Advantages:

• Replenishment of the Citibank card is free of charge;
• Availability - branches can be found in almost every locality of the Russian Federation.

From a personal Citibank account

Payments in this way are made online through the service of the institution. Internet is required to complete the operation. Money can be transferred to the card from any account registered with the bank.

Operation instructions:

Funds will be credited instantly.

Through virtual payment systems QIWI, Yandex. money, webmoney

Another way to top up a Citibank card is to use virtual payment systems. For a transaction, you need to bind the instrument to the service. The period for crediting money for each system is different. Money can be credited to the card instantly or within one business day.

3 ways to top up a credit card with a fee

Sometimes it is not possible to replenish the account of a payment instrument free of charge. In some cases, a commission is charged.

Through a bank operator

If the user wants to deposit less than 45,000 on the card, then the bank withholds a commission for the transaction.

Fixed rate - 250 rubles, regardless of the amount. To pay a commission, you can increase the payment amount by 250 rubles or leave everything as it is, and then the amount will be deducted from the deposited money.

Through operators of other institutions

You can top up your Citibank card at any bank. The amount of the transfer fee depends on the conditions of the institution.

To complete the procedure, you will need:

• Identification;
• Details of the payment instrument;
• Cash.

Through the money transfer system

The money transfer service also allows you to deposit money into your account. In this case, a fee of 1-1.5% of the total payment amount is charged. This is due to the fact that Citibank does not cooperate with any money transfer system, therefore, replenishment of the payment instrument account is carried out only subject to an additional fee. Funds are credited within 1-3 business days.

Late Payment Penalties

Any loan agreement includes a clause on the application of penalties in case of late repayment of debt obligations. Citibank has set a collection percentage for each day of delay of 0.054% of the total debt. The penalty is charged until the client repays the debt.

Late payment threatens not only with sanctions, but also with a deterioration in credit history, which will make it difficult to obtain a loan the next time you apply to Citibank or any other organization.

To avoid sanctions, you need to timely deposit money into the account of the payment instrument. When choosing a method of replenishing a Citibank card, you need to take into account that sometimes crediting occurs within several days. To avoid delay, you need to deposit funds before the deadline. In this case, the payment will go through on time.

Topping up a Citibank card is a simple procedure that can be completed in many ways. Some of them carry out the transfer within a few days, so take care of the operation in advance to avoid penalties.