One debit card to multiple currencies!

Citibank Global Wallet is a new service linked to your Citi debit card. It enables purchases in your country or selected currencies abroad online, cash withdrawals from ATMs without conversion. Our system automatically recognizes the transaction currency and debits the right account.
Example: If you activate Citibank Global Wallet and being in the United States, you will make a transaction for USD 10, you will be debited exactly the same amount.

Global Wallet should be activated via the Citi Mobile mobile app. To do so, please log in to the Citi Mobile app and click on the “Enable” button on the first screen, next to the functionality.

You can execute transactions without currency conversion in the following 5 currencies: Polish zlotys (PLN), U.S. dollars (USD), Euros (EUR), Swiss francs (CHF), pounds sterling (GBP), Australian dollars (AUD), Canadian dollars (CAD), Russian rubles (RUB), Swedish krona (SEK), Norwegian krone (NOK), Danish krone (DKK), Czech koruna (CZK), Hungarian forints (HUF), Croatian kuna (HRK) and South African rand - as long as you have accounts in these currencies.
You can open a foreign currency account on your own in Citibank Online or Citi Mobile. Transactions can also be executed in currencies other than those of your accounts. In that case, transactions will be converted and settled from an account set as a default account.

No. Citibank Global Wallet is a service activated on an existing debit card. Activation of the service does not result in issuing a new debit card.

In the case of a joint account, each joint holder sets their own default account for their card. Each co-holder may have a different or the same default account. Transactions are settled for each co-holder as described above.
If you have your own accounts (e.g. in PLN, EUR, USD, CHF and GBP) and you are a co-holder of other accounts in the same currencies, you may be asked to select one account for each currency when activating Citibank Global Wallet. Citibank Global Wallet or the system will automatically add to Citibank Global Wallet the foreign currency accounts to which you previously linked your card.
The foreign currency accounts that can be activated in Citibank Global Wallet can be found in the Citibank Global Wallet section in Citi Mobile.

A default account i san account to which your debit card is linked. You can link your credit card to your default account in the same way as to your other accounts. You can check how to do it here.
Citibank Global Wallet will recognize a currency of your transaction and will book it in your eligible account. If there are no sufficient funds in your eligible foreign currency account or if you make a payment in a currency other than the currencies of your foreign currency accounts, the transaction will be converted into the currency of your default account and posted there. You can set up only one default account

FX accounts can be credited via an instant transfer between own accounts, via Citibank Online platform or Citi Mobile app. You don’t have an FX account yet? Click here [https://www.citibankonline.pl/apps/acquisition/openaccount/ to open one.

Yes, it will still be possible to re-link a debit card between accounts. You can do it in order to select a default account to settle transactions in case of insufficient funds on an FX account or in case of transactions in currencies other than those of your FX accounts, e.g. in yens or in rubles.
To check which accounts are linked to your debit card, please go to Citibank Online or Citi Mobile.

The transaction will be settled in full and converted from a default account. If there are insufficient funds on your default account, the transaction will be rejected.

When withdrawing cash from ATMs or paying by card at points of sale outside of Poland, you have a possibility to use a Dynamic Currency Conversion (DCC) service, i.e. an automatic conversion of the transaction currency to a currency of the country where the card was issued, i.e. PLN. This is not a service provided by Citi Handlowy.
If your Citibank Global Wallet is active, when using DCC service you may incur additional costs arising from the unnecessary conversion into PLN. We recommend rejecting the DCC option to avoid additional commissions.

You can activate Citibank Global Wallet if you are a holder of no more than one active debit card. The sticker is another active debit card and therefore activating Citibank Global Wallet in this case will not be possible.

If you have an open FX account (e.g. in EUR), have sufficient funds and make transactions in the same currency, you will not incur any conversion-related costs.
If you do not have sufficient funds on FX accounts, the transaction will be settled from a default account maintained in a foreign currency. The situation is similar when you execute transactions in currencies other than currencies of your accounts. In such cases, the transaction will be converted to a default account currency, thus you will incur conversion costs. See the examples below:

Example #1:
Your default account is maintained in EUR and you have EUR 100 available there.
You buy a tea for EUR 3.
The transaction will be settled on your EUR account without conversion.

Example #2:
Your default account is maintained in PLN and you have PLN 400 available there.
You buy a bus ticket for EUR 1, but you do not have funds on your EUR account.
The transaction will be converted from EUR to PLN at the Citi Handlowy’s rate and settled on your default account (in PLN).
Why did this happen? Because there were no funds available on the EUR account and in such situations transactions are settled from a default account.

Example #3:
Your default account is maintained in PLN and you have PLN 400 available there.
You buy a coffee for JPY 100 (Japanese yen).
The transaction will be converted from JPY to EUR at the Mastercard’s rate and then from EUR to PLN at the Citi Handlowy’s rate and settled on your default account (in PLN).
Why did this happen? Because every transaction in a currency other than PLN, GBP, USD or EUR is settled from a default account, which in this case is in a currency other than the currency of transaction, so the conversion is always performed.

You can open a foreign currency account yourself in Citibank® Online or Citi Mobile®. To open a foreign currency account in Citibank Online, log in and choose Transfers from the top menu, and then click Accounts. Specify if the account you are going to open will be a joint or sole account. Next, select Current account and choose the currency of your new currency account. To open a foreign currency account in Citi Mobile, activate a free of charge Citibank Global Wallet and add a foreign currency account in one of the available currencies.

Due to security concerns, debit card transactions online require a separate activation. To this end, after you log into Citibank® Online, go to Services and Profile -> Manage card. Choose a debit card for which you would like to enable online payments and click Manage. Make sure the Online Payments button is marked with a tick. For even greater security, you can set a separate limit for your debit card online payments.