The three ways to pay your Citibank card
You can pay your Citibank credit card through the Citibank website, the Citibank mobile app, or by phone. Each method lets you pay your full balance, a minimum payment, or any amount in between. The payment posts to your account the same day if you pay before the cutoff time (usually 8 p.m. Eastern), or the next business day if you pay after.
You can also set up automatic payments so money transfers from your bank account on a date you choose each month. This removes the need to remember to pay manually, though you should still check your statement to make sure the payment went through.
Key Takeaways
- Online and mobile payments post the same day if submitted before 8 p.m. Eastern; phone payments may take one business day.
- You can pay from a checking or savings account at any U.S. bank, or use a debit card, but you cannot pay with another credit card.
- Automatic payments can be set to any day of the month and can be adjusted or cancelled anytime through your account.
- Late fees explore if your payment arrives after the due date shown on your statement, regardless of the payment method used.
Paying online through Citibank.com
Log in to your Citibank account at citibank.com and select "Make a Payment" or "Pay Now" from the dashboard. You will be asked to choose the account you want to pay from (your checking or savings account) and the amount. Confirm the payment details and submit.
Citibank will show you a confirmation number and the date the payment will post. Keep this confirmation number for your records. If you are paying from an account at a different bank, you may need to provide your routing number and account number the first time; Citibank will verify the account before the payment processes.
Paying through the Citibank mobile app
Open the Citibank mobile app, tap your credit card account, and select "Pay" or "Make a Payment." Enter the amount and choose the bank account you want to pay from. Review the details and confirm.
The app works the same way as the website and posts on the same timeline. If you have multiple Citibank cards, make sure you are paying the correct one before you submit, since the app may default to your most recently used card.
Paying by phone
Call the customer service number on the back of your Citibank credit card. A representative will ask for your account number and the amount you want to pay, then confirm the bank account the payment will come from. Phone payments typically post the next business day rather than the same day.
You can also use Citibank's automated phone system if you prefer not to speak to a representative. The number is on your statement and your card. The automated system walks you through the same steps as the website.
Setting up automatic payments
Log in to your Citibank account online or through the app and look for "Autopay," "Automatic Payments," or "Recurring Payments" in the settings or account menu. Choose the bank account you want to pay from, the amount (you can set it to minimum payment, full balance, or a fixed dollar amount), and the day of the month you want the payment to go out.
Citibank will process the payment on that day each month. You can change the amount, the date, or the bank account anytime, and you can pause or stop automatic payments without penalty. Even with automatic payments turned on, you should still review your statement each month to confirm the payment posted and that your balance is what you expected.
What payment methods Citibank accepts
Citibank accepts payments from a checking or savings account at any U.S. bank, or from a debit card. You cannot pay your Citibank credit card with another credit card, and you cannot pay with cash, check, or wire transfer through the online or mobile channels (though some Citibank branches may accept checks in person — call ahead to confirm).
If you are paying from an account at a smaller or regional bank, Citibank may take longer to verify the account the first time. This does not delay your payment, but it may mean you cannot use that account for automatic payments until verification is complete.
When payments post and how to avoid late fees
Payments submitted online or through the app before 8 p.m. Eastern post the same day. Payments submitted after 8 p.m. Eastern or on weekends and holidays post the next business day. Phone payments typically post the next business day. Your due date is shown on your statement, and a late fee applies if your payment is not received by that date, even if you submitted it on time but it posted late.
To be safe, submit your payment at least two business days before your due date. If you are close to your due date and worried a payment will not post in time, call Citibank customer service to confirm the payment has been received and will post before the important date.
Frequently Asked Questions
Can I pay my Citibank card with another credit card?
No. Citibank does not accept credit card payments. You can only pay from a bank account (checking or savings) or a debit card. Paying a credit card with another credit card typically counts as a cash advance anyway, which carries higher interest rates and fees.
What if I miss my due date?
A late fee will be added to your account, usually between $25 and $39 depending on your card and how late the payment is. Your interest rate may also increase. If you miss a payment, pay as soon as you can. Contact Citibank to ask whether they will waive the late fee if this is your first missed payment.
How long does it take for a payment to show up?
Online and app payments submitted before 8 p.m. Eastern post the same day. Phone payments and payments submitted after 8 p.m. or on weekends post the next business day. You will see the payment reflected in your available credit when ready, but it may take a few days to appear in your transaction history.
Can I change or cancel an automatic payment after I set it up?
Yes. Log into your account online or through the app, go to your autopay settings, and adjust the amount, date, or bank account anytime. You can also pause or stop automatic payments without penalty. Changes take effect on your next scheduled payment date.
What if my bank account information changes?
Update your bank account details in your Citibank account settings as soon as possible. If you have automatic payments set up, you will need to enter the new account information for those payments to continue. One-time payments will use whatever account you select at the time of payment.