Pay your Citibank credit card through their website or mobile app
You can pay your Citibank credit card balance online using Citibank's website or their mobile app. Both routes let you make a one-time payment or set up automatic payments from a bank account you own. The payment posts to your account within one business day if you pay before the cutoff time (usually 8 p.m. Eastern), or the next business day if you pay after.
You will need your Citibank online banking username and password, or you can log in using your Social Security number and card number if you have not set up online access yet. Have your bank account information ready if you are paying from a different bank account than the one linked to your card.
Key Takeaways
- Log into your Citibank account at citibank.com or use the Citi Mobile app to reach the payment screen.
- You can pay from a bank account you own, and the payment will post within one business day if submitted before the cutoff time.
- Set up automatic payments so your full statement balance or a fixed amount pays on the same date each month.
- If you do not have online access, call Citibank at the number on the back of your card to make a payment by phone.
- Payments made by mail take 7 to 10 business days to post, so use online or phone payment if your due date is soon.
Log in to Citibank online banking
Go to citibank.com and click "Log In" in the top right corner. Enter your username and password. If you have not created an online account yet, click "Enroll Now" and follow the steps to set up access using your Social Security number, card number, and date of birth.
Once you are logged in, look for "Make a Payment" or "Pay My Bill" — the exact wording varies by card type. Click that link to open the payment screen.
Enter your payment amount and bank account
On the payment screen, you will see your current balance, minimum payment due, and statement balance. Select the amount you want to pay: you can pay the full balance, the minimum, or enter a custom amount.
Next, choose which bank account the payment will come from. If you have already linked a bank account to your Citibank card, it will appear in a dropdown menu. If this is your first payment from a new account, click "Add Bank Account" and enter the routing number and account number from the bank you want to pay from. Citibank will verify the account with two small deposits (usually within one business day), and then you can use it for payments.
Review the payment date. Citibank will show you when the money will leave your bank account and when it will post to your credit card. If you need the payment to post by a specific date, check this screen carefully — payments submitted after 8 p.m. Eastern typically post the next business day.
Confirm and submit your payment
Double-check the amount, the account it is coming from, and the payment date. Click "Confirm" or "Submit Payment" (the button name depends on your device and card type). Citibank will show you a confirmation number — write this down or take a screenshot.
You will receive an email confirmation at the address on file with your account. If you do not see the email within a few minutes, check your spam folder. Keep the confirmation number until the payment posts to your account.
Set up automatic payments to avoid missed due dates
If you want the same amount to pay automatically each month, go back to the payment screen and look for "Set Up Automatic Payments" or "Autopay." Choose whether you want to pay your full statement balance, the minimum payment, or a fixed dollar amount each month.
Select the day of the month you want the payment to come out. Citibank recommends choosing a date before your statement due date so the payment posts in time. Once you confirm, the payment will happen automatically on that date every month until you cancel it.
You can change or cancel automatic payments anytime by logging back into your account and going to the autopay settings. If you need to cancel a payment that is scheduled for the next few days, do it as soon as possible — Citibank may not be able to stop a payment that has already been processed.
Pay by phone if you do not have online access
Call the number on the back of your Citibank credit card. A representative will ask for your card number, Social Security number, and the amount you want to pay. They will also ask which bank account the payment should come from — have your routing and account numbers ready.
Phone payments are free and post on the same timeline as online payments. The representative will give you a confirmation number. Write it down before you hang up.
Pay by mail as a last resort
If you prefer to mail a check, the address is on your monthly statement. Write your account number on the check and mail it to the address listed. Do not send cash through the mail.
Mail payments take 7 to 10 business days to arrive and post. If your due date is within two weeks, use online or phone payment instead to make sure it arrives on time. Late payments trigger fees and can hurt your credit score.
Frequently Asked Questions
What time do I need to pay by for it to post today?
Payments submitted before 8 p.m. Eastern on a business day usually post the same day. Payments submitted after 8 p.m. or on weekends and holidays post the next business day. Citibank will show you the expected posting date on the confirmation screen before you submit.
Can I pay from someone else's bank account?
No. Citibank only accepts payments from bank accounts in your name. If someone else wants to pay your card, they can send you money and you can pay from your own account, or they can call Citibank and make a payment over the phone using their own bank account — Citibank will explore it to your card if you give them permission.
What if I pay more than my balance?
The extra amount becomes a credit on your account. You can use it toward future purchases, or you can request a refund by calling Citibank. Refunds typically take 3 to 5 business days to appear in your bank account.
Do I have to pay the full balance, or can I pay just part of it?
You can pay any amount between the minimum payment and your full balance. Paying more than the minimum reduces the interest you owe on the remaining balance. You only have to pay the minimum to avoid a late fee, but paying more saves you money over time.
What happens if I miss the due date?
Citibank charges a late fee (the amount varies by card) and reports the late payment to credit bureaus if it is 30 days past due. This can lower your credit score. If you realize you missed the due date, pay as soon as possible — the sooner you pay, the less damage to your credit.