T-Deposit – online fixed-rate deposit available only in Citibank Online.
The interest rate is calculated on an annual basis

PLN	CitiKonto	Citi Priority/ Citigold/ Citigold Private Client
1 week	0,01	0,01
1 month	0,01	0,01
3 months	0,01	0,01
6 months	0,01	0,01
12 months	0,01	0,01
24 months	0,01	0,01

Minimum Deposit Amount – PLN 5,000

 

	from 5000 USD	from 5000 GBP
1 week	0,01	0,01
1 month	0,01	0,01
3 months	0,01	0,01
6 months	0,01	0,01
12 months	0,01	0,01

Time Deposits Fixed-rate Deposit.
The interest rate calculated on an annual basis.

Citigold, Citigold Private Client

	from 5000 PLN	from 5000 USD	from 5000 GBP
1 week	0,01	0,01	0,01
1 month	0,01	0,01	0,01
3 months	0,01	0,01	0,01
6 months	0,01	0,01	0,01
1 year	0,01	0,01	0,01
2 years	0,01	-	-

Citi Priority/CitiKonto

	PLN CitiKonto	PLN Citi Priority	USD from 5000	GBP from 5000
1 week	0,01	0,01	0,01	0,01
1 month	0,01	0,01	0,01	0,01
3 months	0,01	0,01	0,01	0,01
6 months	0,01	0,01	0,01	0,01
1 year	0,01	0,01	0,01	0,01
2 years	0,01	0,01	-	-

Minimum deposit amount – 5000 units of eligible currency.

Should the deposit be byearen before the maturity date, the deposited funds will not be subject to interest.

Citigold, Citigold Private Client

If you are using the overdraft for up to any 7 days in a month	If you are using the overdraft for more than 7 days a month
0.00%	4.70%

Citi Priority, CitiKonto

If you are using the overdraft for up to 7 days a month.	If you are using the overdraft for more than 7 days a month.
0.00%	CitiKonto (opened on or after 01.09.2020 r.), Citi Priority	5.95%
	CitiKonto (opened on or before 19.08.2020 r.)	7.20%

Credit Cards

Types of cards	Citibank Silver, Citibank-BP PAYBACK Silver, Citibank World MasterCard, Citi Simplicity	Citibank Gold, Citibank-BP PAYBACK Gold, Citibank PremierMiles	Citibank – BP Motokarta	Citibank Platinum	Citibank MasterCard World Signia Ultime/ Citibank World Elite MasterCard Ultime
Interest rate charged on Non-Cash Card Transactions in the case of default on timely and full repayment of the Outstanding Balance as well as the interest rate charged on Cash Transactions and Special Transactions for agreements concluded on or before 30 November 2018	2% p.a.	2% p.a.	Not applicable	2% p.a.	2% p.a.
Interest rate charged on Non-Cash Card Transactions in the case of default on timely and full repayment of the Outstanding Balance as well as the interest rate charged on Cash Transactions and Special Transactions for agreements concluded on or after 01 December 2018	7,2% p.a.	7,2% p.a.	7,2% p.a.	7,2% p.a.	7,2% p.a.
Interest rate charged on the ‘Comfort’ Installment Payment Plan opened on or before 30 November 2018	2% p.a.	2% p.a.	2% p.a.	2% p.a.	2% p.a.
Interest rate charged on the ‘Comfort’ Installment Payment Plan opened on or after 01 December 2018	7,2% p.a.	7,2% p.a.	7,2% p.a.	7,2% p.a.	7,2% p.a.

Interest on Cash Transactions and Non-Cash Transactions executed with a Credit Card is calculated using the following formula: the interest rate provided in the table is divided by 365/366 days (depending on the actual number of calendar days in the year). Based on the daily rate thus calculated, the interest is calculated for each calendar day in which the Client is using the credit on the Card.

If the Card type is changed, the interest rate applied to transactions made before the date of such a change is the interest rate applicable on the Transaction date to the given Card type used to execute the Transaction.

Interest on the ‘Comfort’ Installment Payment Plan is calculated using the following formula: for the first installment and installment calculated in the case of early repayment, the interest rate provided in the table is divided by 360 days and, based on the daily rate thus calculated, the interest is calculated for each calendar day in which the Client is using the Plan.

For other installments, the interest rate provided in the table is divided by 360 days and calculated for 30 days in a month (irrespective of the actual number of days in the given month).

Starting December 21, 2013, the cash loan interest include fixed commission rate and variable WIBOR rate (3-month).

• Maximum cash loan interest rate: 7,20%
• Commission rate: up to 20% of the cash amount

Home Loan

• Commission rate from 1.49%
• Credit facility fee from 0%

Home Equity Loan

• Commission rate from 2.9%
• Credit facility fee from 1.9%