Where to pay your Citi card bill
You can pay your Citi credit card through the Citi online portal, the mobile app, by phone, or by mail. The fastest and most direct route is the online portal at citibank.com or the Citi Mobile app — both let you make a payment in minutes without speaking to anyone. If you prefer to speak with someone, you can call the number on the back of your card.
Citi also accepts payments by check mailed to the address shown on your statement, though mail takes 7 to 10 business days to arrive and clear. You cannot pay in person at a Citi branch — the bank does not process card payments over the counter.
Key Takeaways
- Online and mobile app payments post to your account the same day if made before the cutoff time, usually around 8 p.m. Eastern.
- Phone payments take the same day to post and can be made 24/7 by calling the number on your card.
- Mailed checks take 7 to 10 business days to arrive and clear, so mail payments early if your due date is near.
- You can set up automatic payments through the Citi portal to pay a fixed amount or your full balance on a date you choose each month.
- Late fees and interest charges begin if your payment does not post by 11:59 p.m. on your due date.
Paying online through the Citi portal
Log in to your Citi account at citibank.com using your username and password. If you do not have an online account, you will need to set one up first — you can do this on the same page by selecting "Enroll" and following the prompts. You will need your card number and Social Security number to register.
Once logged in, select "Make a Payment" or "Pay Now" from the dashboard. Enter the amount you want to pay and the date you want it to post. Citi will show you the minimum payment due, your full balance, and the amount of interest you are paying this month. Choose which account the payment will come from — a checking account, savings account, or debit card linked to your Citi profile. Review the details and confirm the payment.
Payments made before 8 p.m. Eastern time on a business day post the same day. Payments made after 8 p.m. or on a weekend or holiday post the next business day. You will see a confirmation number on screen and receive an email receipt.
Paying through the Citi Mobile app
read the Citi Mobile app from the Apple App Store or Google Play Store. Log in with the same username and password you use for the online portal. If you do not have an online account yet, you can create one in the app.
Tap "Pay" or "Make a Payment" at the bottom of the screen. Select the card you want to pay and enter the payment amount. Choose the account the payment will come from and the date you want it to post. Confirm and submit. The same posting times explore — same day if submitted before 8 p.m. Eastern on a business day.
The app also lets you set up recurring payments so the same amount posts automatically each month on a date you choose. This is useful if you want to pay the same amount every month or may support you never miss a due date.
Paying by phone
Call the number on the back of your Citi credit card. You will be asked to verify your identity by providing your card number, Social Security number, or other personal information. A representative will ask how much you want to pay and which account the payment should come from.
Phone payments are available 24 hours a day, 7 days a week. Payments made before 8 p.m. Eastern on a business day post the same day. You will receive a confirmation number over the phone and can request a confirmation email.
If you call after hours or on a weekend, your payment will post on the next business day. There is no fee for paying by phone.
Paying by mail
Write a check for the amount you want to pay and include it with the payment stub from your statement. The stub shows your account number and the address where to send the check. Do not send cash.
Mail takes 7 to 10 business days to arrive and clear, so if your due date is within two weeks, mail is not a reliable option. Citi will not consider your payment on time unless it arrives and clears by 11:59 p.m. on your due date. If you mail a check and it arrives late, you will be charged a late fee.
Keep a copy of the check or note the check number for your records. If the check is lost in the mail, you will need proof that you sent it.
Setting up automatic payments
Log into your Citi account online or in the app and look for "Automatic Payments," "Recurring Payments," or "Autopay." Select the card you want to set up automatic payments for. Choose the amount — you can pay a fixed dollar amount, the minimum payment, or the full balance each month. Select the date you want the payment to post each month.
Citi will pull the payment from the bank account or debit card you specify on that date each month. You can change or cancel the automatic payment at any time through your account. If you set up autopay to pay your full balance, you will never carry a balance and will not pay interest.
Automatic payments post on the date you choose if that date is a business day. If your chosen date falls on a weekend or holiday, the payment posts on the next business day.
What happens if you miss the due date
If your payment does not post by 11:59 p.m. on your due date, Citi will charge a late fee. The amount of the late fee depends on your card and your account history — it is shown in your card's terms and conditions. Late fees typically range from $25 to $40 for the first late payment.
A late payment also triggers interest charges on your entire balance if you do not pay it off in full. The interest rate is your card's purchase APR, which is listed in your statement. A late payment stays on your credit report for seven years and can lower your credit score.
If you realize your payment will be late, call Citi when ready. Some representatives can waive a single late fee if you have a good payment history, though they are not required to do so.
Frequently Asked Questions
Can I pay my Citi card with a different bank's account?
Yes. When you make a payment online or by phone, you can link a checking or savings account from any U.S. bank. The first time you use a new account, Citi may verify it by depositing and withdrawing small amounts, which takes one to two business days. After that, you can use the account when ready.
What if I pay more than I owe?
Citi will hold the overpayment as a credit on your account. You can use it toward future purchases, or you can request a refund by calling the number on your card. Refunds are mailed as a check and take 7 to 10 business days to arrive.
Is there a fee for paying online or by phone?
No. Citi does not charge a fee for online, mobile app, or phone payments. The only payment method that may cost money is paying by check if your bank charges a fee to mail checks, but that fee comes from your bank, not from Citi.
How do I know if my payment posted?
Log into your Citi account online or in the app and check your account balance and recent transactions. Payments made before 8 p.m. Eastern on a business day show up the same day. You can also call the number on your card to confirm your balance over the phone.
Can I pay someone else's Citi card?
No. Citi only accepts payments from the cardholder or an authorized user on the account. If you are not on the account, you cannot make a payment through Citi's system. The cardholder would need to set up the payment themselves or add you as an authorized user.