Download the Citi Mobile App

The Citi Mobile® App

Designed with you in mind


Do more with just one app.

A simpler and faster way of banking is here.

We’ve been working hard on making the new Citi Mobile® App more than just an update. Beyond a refreshed look
you’ll now have greater flexibility at your fingertips, with new features designed with you in mind.

Everything at a glance

Quick account updates

Review all your account
activities and get to your
favourite functions, faster.

Manage cards easily

Activate your card,
reset PIN and more,
from the dashboard.

Timely reminders

Stay informed of
actions you need to
take with our reminders.

Fuss free and simple

Fuss-free and simple

Add foreign currencies in just one tap with your Citi Global Currency Account. Spend overseas or shop online with your debit card and avoid fees^ when you exchange currency on your app.

Pay Later

Pay Later - View and convert the eligible purchases or the retail purchases appearing on your current statement on your credit card and lending account into monthly instalments1.

Pay Later

Other features for your banking needs

Citi Pay with Points

Get credit back for almost anything, using your Citi reward Points2

Citi World Privileges

Get deals and discounts locally and in 95 other countries3

Citi PayAll

A new way to pay for your everyday expenses on your Citi Credit Card (fees apply)4

Citi Quick Cash

Access funds instantly if you have a Citi Transaction Account5

Frequently Asked Questions

  • How long will it take for my card to be activated?

    Your card will be activated immediately. You will receive a confirmation SMS upon the successful completion of the card activation steps.

  • Can I unlock my card after it is locked?

    Yes. You can unlock your card after it has been locked.

  • Can I use my locked card for transactions or to withdraw cash?

    No, your transaction or withdrawal request will be declined.

  • How long will it take for my card to be locked or unlocked?

    Your card will be locked or unlocked instantly.

  • If my card is locked, can I pay outstanding Citi bills on my Citi Credit Card/Lending Account?

    Yes, you will still be able to do so.

1. PayLater – Also known as a Fixed Payment Option which allows you to convert your available Credit Limit and eligible transactions into an Instalment Plan.

2. Pay with Points is available on eligible purchases. An eligible purchase means an Eligible Transaction (excluding Citi PayAll Payments) that you Pay with Points within 60 days of the Transaction Date. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Citi accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Government related transactions include transactions with government or semi-government entities, or relating to services provided by or in connection with government (for example but not limited to transactions made at Australia Post, payments to the Australian Taxation Office, council rates, motor registries, tolls, parking stations and meters, fares on public transport, fines and court related costs) and excludes any transaction that you are not permitted to make under your Account Terms and Conditions.

3. Payment must be made using a Citi Credit Card. Privileges cannot be used in conjunction with any other promotional programs or offers. Citi and the business establishment reserve the right to change the terms and conditions at any time. Refer to for up-to-date offer details. 

4. Citi PayAll offers are subject to eligibility and only available if your account is and remains in good standing. Set up Citi PayAll payment instructions using mobile banking or in any other way we tell you that you can make a Citi PayAll payment. This is an amount you authorise us to pay once or on a regular basis from your account to another bank account held with an Australian financial institution (other than through BPAY® ). This must be not less than 7 days from the date the Citi PayAll payment is set up, and if there is more than one payment to be made, the number and frequency of the payments and period over which they are to be made, you must ensure these details are correct. All Citi PayAll payments and Citi PayAll Fees we charge to your account will be added to the retail purchase balance and the Retail APR will apply to them. Citi PayAll payments are charged at the retail purchase rate applicable to your account and are only available on Citi PayAll payments outlined in the Credit Card Terms and Conditions and Other Important Information. A fee of 2% of the amount of the Citi PayAll payment is payable and is debited to your Account each time a Citi PayAll payment is made. Please note, there are limits on the Citi PayAll payments you can make in a period. Details of these limits can be found at These limits may change from time to time. For the full terms and conditions of Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information.

5. Citi Quick Cash is a type of Fixed Payment Option. Fixed Payment Option offers are subject to eligibility and only available if your account is and remains in good standing. Your Fixed Payment Option uses part of your existing Credit Limit and may not exceed 90% of your Available Credit. As you pay off your Fixed Payment Option, the amount you pay off will become available for you to use again as part of your Credit Limit at the standard Annual Percentage Rate applicable to your account. The Fixed Payment Option fee will be applied to your Account when your Fixed Payment Option is processed. For Credit Card customers, please click here, for the full Terms and Conditions of your Fixed Payment Option. For Lending customers, please click here for the full Terms and Conditions of your Fixed Payment Option.

^Citi Transaction and Savings Accounts Terms and Conditions apply, please click here to view.

©2020 Citigroup Pty Limited. All rights reserved. ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. Citi, Citi and Arc Design and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world.