We would like to kindly inform you that as of June 16, 2021, changes to the following documents have entered into force: “Table of Fees and Commissions: Accounts and Credit Line for Individual Clients”,„Table of Account Interest Rates” and “Bank Accounts Terms and Conditions”. The updated documents are available on the Bank’s website in the Documents section.

We kindly inform that following the Monetary Policy Council decision from May 28th 2020 on decreasing the interest rates, we have decreased the interest rates on Citibank credit cards.

Since May 29th 2020, the interest rates on Citibank credit cards are: 2% for agreements signed until November 30th 2018 and 7,2% for agreements signed from December 1st 2018.

We inform that since December 15th, 2019, the Bank does not charge a commission for transactions converted dynamically from an original currency to a card account currency by a service provider at the moment of transaction (DCC – dynamic currency conversion).

The change results from the implementation of Regulation (EU) 2019/518 of the European Parliament and of the Council of 19 March 2019 amending Regulation (EC) No 924/2009 as regards certain charges on cross-border payments in the Union and currency conversion charges.

This is to kindly inform you that the Credit Cards Citibank Terms and Conditions and the Table of Fees and Charges will change effective September 14, 2019. The updated documents are available on the bank’s website in the Documents section.

We would like to remind you that the Bank charges a commission for Special transactions in the amount indicated in the Table of Fees and Commissions for Citibank Credit Cards. Special transactions are i.a. transactions with entities providing services in the field of currency exchange, virtual currencies and means of payment, and intermediaries in exchange. Examples of entities of this type are Revolut or Transferwise.

The current amount of commission for Special transactions is 10% of the Transaction value, not less than PLN 20. The current Table of Fees and Commissions is available on the Bank's website here>

In accordance with the provisions of the Credit Card Regulations of Bank Handlowy w Warszawie S.A. the full definition of a Special transaction is as follows:

Special transaction - a transaction subject to repayment, interest rate and fees or commissions charged on the terms specified in the Regulations and the Table of Fees and Commissions for Cash Transactions, i.e .:

• withdrawal of funds from the Credit Limit, for any consumption purpose, in the form of an internal transfer order in PLN or a domestic transfer order in PLN,
• Transaction with entities providing services in the field of games of chance and gambling in accordance with the Gambling Act of 19 November 2009,
• Transaction with entities providing services in the field of currency exchange, virtual currencies and means of payment as well as intermediaries in exchange.

The Bank charges a Commission for a Special Transaction with entities providing services in the field of currency exchange, virtual currencies and means of payment, and intermediaries in the exchange, because as a result of such a transaction, the Customer's account maintained on these platforms is credited, and not the purchase of goods or services. The settlement systems report to the Bank such a top-up as an account top-up by transferring funds from the credit card to the Client's account kept with another entity. The Bank has no access to further operations that the Client carries out with the use of the transferred funds. A special commission for a transaction is charged when a virtual purse is topped up, and not for a direct payment from a credit card for a specific product or service.

This is to kindly inform you that the process of the financial settlement with the Social Insurance Institution shall change, effective January 2018.