Text messages with activation codes are sent immediately (the maximum waiting time is 10 seconds from ordering a transaction).

You will be sent a new activation code after you re-submit the transfer form.

Transfers to Tax Office can be made by CitiPhone or using Citibank Online.

In Citibank Online, just select "Transfers and payments/Transfer to Tax Office”, or select an appropriate item from the "Quick transfers" list. Next, complete the form with the following information:

1. type of tax identification (NIP, REGON, PESEL, ID card or passport) and the number
2. period covered by the tax payment (month, half of year, year, quarter, month decade
3. or type of tax return (such as i.e. PIT4, PIT11)
4. identification of tax liability (such as "Personal Income Tax")

Postings of transfers to current accounts (Elixir system)

Business days:
1. session starts at 10:30 a.m.
2. session starts at 02:30 p.m.
3. session starts at 05:30 p.m.

Incoming FX transfers and foreign transfers in PLN are posted on business days promptly upon receipt.

Posting transfers from corporate accounts at our Bank

Business days:
1. session at approx. 10:20 a.m.
2. session at approx. 12:30 p.m.
3. III session at approx. 02:00 p.m.
4. session at approx. 04:00 p.m.
5. session at approx. 06:00 p.m.
6. session at approx. 06:55 p.m.

Incoming transfers from Sorbnet are posted
- on business days promptly upon receipt

Incoming transfers to credit card accounts are posted
- on business days, during data processing sessions

Transfers between accounts of Retail Clients at our Bank
- daily, in real time

The Bank reserves the right to post transfers at other hours without prior notice.

Order submission time for individual sessions(Elixir system) for outgoing transfers:

Business days:
1. session 8:00 a.m.
2. session 12:15 p.m.
3. session 03:30 p.m.

Execution of FX transfers and foreign transfers denominated in PLN
- transfers authorized by the bank before 02:00 p.m. – on the same day
- transfers authorized by the bank after 02:00 p.m. – on next business day

Execution of transfers to corporate accounts at out bank
- business days, every 15 minutes, from 07:30 a.m. until 05:30 p.m.

Transfers ordered on holidays
- next business day

Transfers between our retail clients’ accounts at our bank:
- daily, in real time

The bank reserves the right to post transfers at other hours without prior notice.

For technical reasons, the following characters may not be used in payee's name and transfer title:
~ ` ! $ % ^ _ + = { } | [ ] : ; " ? < > "Enter"
The title of the transfer shall be entered in the form of a single string of characters, without spacing individual lines by pressing the "Enter" key.

IBAN number is the internationally agreed system of identifying bank accounts. The IBAN consists of a two letter country code (i.e. PL for Poland) and x -digit bank account number (i.e. 26 digits for Poland). Example of an bank account number: IBAN PL 17 1030 0019 XXXX XXXX XXXX XXXX, where:

- PL is a country code
- 17 is a check digits
- 1030 0019 is a Citi Handlowy identification number
- XXXX XXXX XXXX XXXX is Customer’s bank account number

NRB is the bank account format, mandatory to all banks. For Bank Handlowy w Warszawie S.A. it is 10300019.

SEPA transfers can be made to all EU Member States. Such transfers can be made in EUROs only. The processing of such transfers does not involve intermediating banks, thus reducing both the cost and time of transfer processing (as compared to a regular foreign transfer).

A detailed description of outgoing transfers will be displayed on the business day following the transfer date. It is associated with night data processing.

To properly execute a transfer with future date, sufficient funds should be available in the account one business day ahead of the transfer date. The lack of sufficient funds will cause the order to be cancelled. Transfers with future date are deducted from the daily transaction limit in Citibank Online.

The "Payee List" is a list made by the client which contains the beneficiary’s information (payee's name, account number, transfer title). To add a new payee to the list, select "New payee" from the menu. After saving the instruction, it is sufficient to enter the amount and title of the transfer.

You can modify such data any time. Select "Edit payee" from the “Payee List” menu, enter and accept the changes. Next, you will need to activate the altered data.

To delete a payee from the list of transfers, select the “Transfers > Payee List” option. Next, click [+] to open the payee you want to delete, and when the system displays such payee's data, click "Delete payee".

Account history formats, available from Citibank Online websites, may be opened using most popular finance management software (MS Money, Quicken). Files with CSV extension allow transactions to be viewed, edited and printed in Microsoft Excel.

Yes. Citibank Online offers the "Multiple transfers" option which enables you to select simultaneously a few payees, enter the amounts and specify the future dates of the transfers. All such transfers (including those with future dates) are deducted from your daily transfer limit. The "Multiple transfers" option is not available for credit card payments.

Citibank Online enables displaying account operations in the period you selected. On the screen "Statements and transaction history", select the option "Download account history" (directly above operation history). Next, key in the period you are interested in. The system will display all operations effected on your account during the period you selected.

Yes.

Yes. Currencies will be converted applying the current FX rate.

No. Collective transfers may only be made from current accounts. To make a credit card payment, you must select the option of transfer to another bank.

No. Credit card payments may only be made as transfers with current date.

Yes. When selecting payees, a screen will be displayed, where you should enter the amounts and execution dates of transfers. Shall for any reason no amount be provided, such transfer will not be effected.

Yes. In the "Transfers" menu, select the option "Create Standing Orders", click [+] to drop down the selected transfer, select the option "Change" and accept the changes. Changes can also be made from the bank calendar level (Transfers → Banking Calendar), by selecting a specific date, and then by pressing the edit function for the order selected from among orders recorded for that date.

A foreign transfer is any outgoing transfer, executed in a foreign currency, regardless of which bank the transfer payee keeps an account with. FX transfers to banks in Poland, and PLN transfers to foreign banks are also considered to be foreign transfers.

For Citi Handlowy fees for cross-border funds transfers, please see the Fees and Charges Table.

When transferring funds in one of the European Economic Area (EEA) currencies to a non-EEA country or in a non-EEA currency to an EEA country, an additional fee charged by a correspondent bank or payee’s bank may apply. This is a foreign bank’s fee that is not in any way dependent on Citi Handlowy. Upon making such transfer, you will be asked whether this fee should be debited to your account or to the account of the payee. If the fee is to be debited to your account, it will be charged according to the Fees and Charges Table. If the fee is to be debited to the payee’s account, it will be deducted from the transfer amount posted in the payee’s account.

If you transfer funds to the European Union states, you may also be charged an additional fee if you fail to provide all the required information in the transfer details. This is the correspondent bank’s fee and it is not in any way dependent on Citi Handlowy.

Yes. If you are a Citibank Personal Account holder, you may order a foreign transfer.

You can order a foreign transfer from Citibank Online (select 'Transfers > Transfers and standing orders, and then "Foreign payee" if the payee has already been defined, or "Transfer to new payee" in the case of previously undefined payee), by calling CitiPhone or at any Branch of Citi Handlowy.

You may order a foreign transfer from Citibank Online (select 'Transfers > Transfers and standing orders, and then "Foreign payee" if the payee has already been defined, or "Transfer to new payees" in the case of previously undefined payee). Remember to precisely enter the data of transfer payee. In the case of any irregularities, the transfer may be cancelled or payee's bank may charge you with additional costs for going through with the transfer.

To order a foreign transfer, you must have the following information:

• full name of transfer payee,
• exact address of transfer payee
• payee's account number
  NOTE: Remember that in EU Member States, where IBAN format is the sole account numbering system in place, account number must be stated in this format. Otherwise, the transfer may be cancelled or payee's bank may charge you with additional costs for going through with the transfer.
• The BIC/SWIFT code of payee's bank (the code enabling the identification of transfer payee's bank) or any other code (such as i.e. BLZ, ABA),
  NOTE: If you do not know the bank code, provide full data, inclusive of the address of payee's bank
• name and address of payee's bank,
• country of operations of payee's bank,
• transfer amount and currency,
• transfer title,
• Original documents confirming transfer title, in the case of transfer exceeding the equivalent of EUR 10 thousand

The information necessary to send a foreign transfer to a Citi Handlowy account is:

• full name and address of transfer payee,
• name and address of the bank: Bank Handlowy w Warszawie S.A., ul. Senatorska 16, 00-923 Warszawa
• Account number in IBAN format (26-digit account number in NRB format, preceded by two letters PL),
• Citi Handlowy’s SWIFT code: CITIPLPX.

SWIFT is the acronym for the Society for Worldwide Interbank Financial Telecommunication, and simultaneously is the name of a system of information exchange between banks from different countries. The acronym BIC stands exclusively for a code identifying beneficiary's bank in the case of international transfers. In Poland, code SWIFT is used as synonym of bank code, although it may be used interchangeably with the acronym BIC.

The correct format of BIC/SWIFT code is 8 or 11 characters, where 8-digit code identifies a bank, and additional 3 digits may be used to identify i.e. a bank branch.

The BIC/SWIFT code always consists of 8 characters.

The SWIFT code of Citi Handlowy is: CITIPLPX.

If you want to make a foreign transfer, you know the payee's account number and the name of his/her bank, but you do not know the BIC/SWIFT code, you can try to find it on the website of the payee’s bank. If, however, you are not sure if you know the right code, ask the transfer payee to give you the right BIC/SWIFT code.

If you don’t know the BIC/SWIFT code of beneficiary's bank, and you are unable to find it, provide instead the full name and address of beneficiary's bank. When sending a transfer to EU Member States and to Iceland, Norway or Liechtenstein, please remember that it is mandatory to provide the BIC/SWFIT code. When no such code is placed in the transfer order, the payee's bank may charge you with additional costs associated with the transfer. Remember that transfer payee's bank is explicitly identified only and exclusively by its BIC/SWIFT code. If you make a foreign transfer stating only the name and address of payee's bank, your transfer may fail to reach the account indicated. For this reason, we recommend to use the BIC/SWIFT code.

No. Foreign transfer may be ordered from any currency account. The amount of the currency shall be converted based on current FX rate for the transfer currency. Information on the present FX rate may be provided by the bank Consultant accepting the transfer order. If you consider the FX rate for the day to be disadvantageous, you may abort the procedure and complete the transaction at a later date. For transfers worth over USD 10 thousand or an equivalent in another currency, the settlement FX rate may be negotiated.

Transfers ordered on a business day before 02:00 p.m. in the currency of an EEA Member State to a bank situated within the EEA are executed by the end of the following business day.

Other foreign transfers shall be executed as soon as possible, but not later than on the 5th business day following the date of order’s receipt.

For information on transfer execution times, please call CitiPhone or ask in any of our branches.

Yes. The transferred amount shall be converted to the currency of credited account based on FX rate in place at the bank at the moment of posting the transfer; for example, if a cross-border transfer in GBP is sent to an account denominated in EUR, the transfer amount will be converted based on valid GBP/EUR rate and will be posted to the account in EUR.

For the FX rates currently applied by the bank, please visit our branch, contact us via CitiPhone or Citibank Online.
In Citibank Online, FX rates are available in the "FX rates" section.

Based on your enquiry, we will start the investigation to find out what is the status of the cross-border transfer. You can submit your enquiry in a branch, via CitiPhone or Citibank Online.

The bank shall not be held liable for the failure to deliver a cross-border transfer due to an event of Force Majeure or due to actions preventing the assets from illegal or undisclosed source from being introduced into circulation. Furthermore, the bank shall not be held liable for any delays in the execution, for non-performance or improper performance of a transfer, caused by reasons attributable to the beneficiary or the client (the transferor).

Shall the failure to execute the transfer be caused by reasons attributable to the client, the bank will credit client's account at the moment the amount transferred is recovered. The credited amount shall be equal to the amount transferred, less the possible costs associated with the explanatory proceedings.

According to the EU Regulation 2560/2001, all transfers in EUR made to beneficiaries who hold accounts in banks situated within the European Union, shall feature the following data:

• BIC code (Bank Identify Code) of beneficiary's bank, and
• beneficiary's account number in IBAN format.

BIC code is the SWIFT address of the bank, consisting of 8 or 11 characters. Both the BIC code and the beneficiary's account number in IBAN format may be acquired from the beneficiary.

To avoid such costs in the future, you should obtain the IBAN number and BIC code to which the transfers are to be sent.

The fees charged to the account are not collected by Citi Handlowy. These fees are charged by transfer beneficiary's bank, and are allocated to cover the costs incurred by the transfer beneficiary's bank due to manual processing of the transfer. The beneficiary's bank may charge such costs to the transferor based on EU Regulation 2560/2001, the provisions of which are mandatory in all EU Member States (including the Republic of Poland).

The account will be charged with the costs referred to above in the case when a transfer initiated in EUR is missing the BIC code and/or the beneficiary's account number in IBAN format.

According to the process of information exchange between banks currently in place, usually the account will be charged with costs in the following calendar month. However, since some banks apply quarterly cost accounting, it may happen that the account will be charged for improperly formatted transfer as late as even 3 months after the transfers are made.

Each time, prior to debiting the account with costs stated by beneficiary's bank, Citi Handlowy will verify the backgrounds of such demand from beneficiary's bank.

To clarify such doubts, please contact us via CitiPhone or vist our branch.

It will be the account from which the transfer was made, or when there are no funds in such account, any other current account of the client, the balance of which is sufficient to cover such costs.

Usually, such amounts fall within the range of 5-10 EUR (depending upon the practice applied by beneficiary's bank). The costs referred to above are additional to the fees and commissions collected to-date by foreign banks, and associated with processing foreign transfers.

Not all banks have implemented the practice of charging costs for EUR transfers sent not in line with the standards referred to above.

You must provide the BIC code and the account number in IBAN format only for EUR payments sent to EU Member States and to Iceland, Norway and Luxembourg, and only such payments may be charged with additional costs.

We do recommend, however, that you apply the above to all foreign transfers you are making.

If there are no sufficient funds in any of your accounts, the costs will be charged to the account from which the transfer was made.