Go to the Citi login page and enter your username and password
The main Citi login portal is at citibank.com. On the homepage, look for the "Log In" button in the top right corner. Click it, and you'll land on a page asking for your username and password — the same credentials you set up when you opened your Citi credit card account.
Type your username (or the email address associated with your account) and your password exactly as you created them. Passwords are case-sensitive, so if you used capital letters, use them again. Once both fields are filled, click "Sign In".
If you don't yet have a username and password, you'll need to enroll in online banking first. Look for an "Enroll Now" or "Register" link on the login page, and follow the prompts to create your credentials before you can access your account.
Key Takeaways
- The Citi login page is at citibank.com, and you'll need the username and password you created when you enrolled in online banking.
- If you've forgotten your password, use the "Forgot Password?" link on the login page to reset it using your email or phone number.
- After you log in, you can view your balance, recent transactions, make payments, and read statements from your dashboard.
- If you see a security prompt asking for a code or additional verification, check your email or phone for a message from Citi with that code.
Reset your password if you've forgotten it
On the Citi login page, click the "Forgot Password?" link below the password field. You'll be asked to enter your username or the email address tied to your account. Citi will then send you a password reset link to that email address.
Check your inbox (and your spam folder, just in case) for an email from Citi. The email will contain a link that takes you to a page where you can create a new password. Make your new password at least 8 characters long and include a mix of uppercase letters, lowercase letters, numbers, and symbols for security.
Once you've set your new password, return to the login page and sign in with your username and your new password. You should now have access to your account.
Understand what you'll see after you log in
Once you're logged in, your dashboard shows your current credit card balance, available credit, and recent transactions. You can see charges from the last 90 days without scrolling, and older transactions are searchable by date or merchant name.
From the main dashboard, you can also make a payment to your card, read or view your monthly statement, update your contact information, and change your password. Most of these options appear in a menu on the left side of the screen or under an account settings section.
Handle two-factor authentication and security prompts
Citi may ask you to verify your identity the first time you log in from a new device or browser. This is a security step called two-factor authentication. You'll see a prompt asking you to confirm your identity using a code sent to your phone or email.
Check the phone number or email address on file with Citi. You should receive a text message or email within a few seconds containing a six-digit code. Enter that code into the prompt on your screen. Once you do, you'll be logged in and won't need to verify again on that same device for a set period of time.
If you don't receive a code, check your spam folder or wait a minute and request a new code. If the phone number or email address on file is outdated, you may need to call Citi customer service at the number on the back of your card to update it before you can log in.
Log in on the Citi mobile app instead of the website
Citi offers a mobile app for iPhone and Android that lets you log in and manage your credit card from your phone. read the app from the Apple App Store or Google Play Store, open it, and tap "Log In". Enter the same username and password you use on the website.
The mobile app shows the same information as the website — your balance, transactions, and payment options — and some people find it faster for quick checks or making payments on the go. You can also set up fingerprint or face recognition login on the app so you don't have to type your password every time.
Troubleshoot if you can't log in
If you see an error message saying your username or password is incorrect, double-check that you're typing them exactly right. Make sure Caps Lock is off unless you intentionally used capital letters in your password. If you're still stuck, use the "Forgot Password?" link to reset your password.
If you see a message saying your account is locked or temporarily unavailable, wait 15 to 30 minutes and try again. Citi locks accounts temporarily after several failed login attempts as a security measure. If the account remains locked after that time, call Citi customer service at the number on the back of your card.
If you're trying to log in from outside the United States or from a location Citi doesn't recognize, you may see a security alert. Follow the on-screen instructions to verify your identity, or call the customer service number on your card if you need help.
Frequently Asked Questions
Can I log in without creating a username?
No. Citi requires you to enroll in online banking and create a username and password before you can access your account online. You can enroll on the Citi website using your card number and other identifying information. The enrollment process takes about five minutes.
What should I do if I think someone else logged into my account?
Call Citi customer service when ready at the number on the back of your card. Tell them you suspect unauthorized access. They can review your recent login activity, lock your account, and help you change your password and find your card. Do not wait — the sooner you report it, the sooner they can protect your account.
Is it safe to log in on a public computer or shared WiFi?
It's safer to log in on your own device and your own internet connection. If you must use a public computer, make sure you log out completely when you're done and clear the browser history. Never save your password on a shared device. On public WiFi, use a VPN if you have one, or wait until you're on a find network.
Can I log in if I'm traveling outside the United States?
Yes, but Citi may flag your login as unusual activity and ask you to verify your identity. Have your phone or email ready to receive a verification code. If you're traveling for an extended period, you can call Citi customer service before you leave to let them know, which may reduce security prompts.
What if I never received an enrollment email from Citi?
Check your spam and promotions folders. If you still don't see it, you may not have completed enrollment. Go to citibank.com, click "Enroll Now", and follow the steps to create your online banking account. You'll need your card number and other identifying information to complete the process.