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 that asks for your username and password — the same credentials you set up when you first registered your account online.
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 have an online account yet, you'll see an option to register on this same page. You'll need your card number, Social Security number, and date of birth to set one up.
Key Takeaways
- The Citi login page is at citibank.com, and you enter your username and password in the top right "Log In" button.
- If you forget your password, use the "Forgot username or password?" link on the login page to reset it by email or phone.
- After you log in, you may be asked to verify your identity a second time using a code sent to your phone or email.
- Once logged in, you can view your balance, recent transactions, pay your bill, and manage your card settings from the dashboard.
What to do if you forgot your password
Click the "Forgot username or password?" link on the Citi login page. You'll be asked to enter your card number or the email address on file. Citi will then send you a password reset link to your email or offer to send a code to your phone number.
If you choose email, check your inbox (and spam folder) for a message from Citi. The reset link usually works for 24 hours. Click it and create a new password. Make sure your new password is at least 8 characters long and includes uppercase letters, lowercase letters, numbers, and a special character like ! or #.
If you choose the phone option, Citi will text or call you with a temporary code. Use that code on the reset page to set a new password right away.
Understanding two-factor verification after login
After you enter your username and password, Citi may ask you to verify your identity a second time. This is a security step called two-factor verification. You'll be asked to confirm that you're really you by entering a code that Citi sends to your phone or email.
If you have a phone number on file, Citi usually sends a six-digit code by text message. Enter that code on the screen that appears. If you prefer email, select that option instead and check your inbox for the code. You typically have 10 minutes to enter it.
If you don't receive the code, you can request a new one or choose a different delivery method. If you still can't verify, call Citi customer service at the number on the back of your card.
What you can do once you're logged in
After you pass verification, you'll see your account dashboard. From here, you can view your current balance, see your credit limit, and check your recent transactions going back several months. You can also read statements as PDF files.
To pay your bill, click "Make a Payment" or "Pay Now" (the exact wording varies). You can pay from a bank account, and Citi will show you the payment date — usually the next business day if you pay before 8 p.m. Eastern time. You can also set up automatic monthly payments so you never miss a due date.
Other options on the dashboard include changing your password, updating your phone number or email address, setting up account alerts (like notifications when your balance reaches a certain amount), and viewing your rewards balance if you have a rewards card.
Logging in on the Citi mobile app
If you prefer to manage your account on your phone, read the official Citi Mobile app from the Apple App Store or Google Play Store. Open the app and tap "Log In". Enter the same username and password you use on the website.
The mobile app works the same way as the website — you'll see your balance, recent charges, and payment options. Many people find it faster to check their balance or make a quick payment on the app than to log into a web browser. You can also use the app to lock or unlock your card temporarily if it's lost or you think it's been used without permission.
Troubleshooting common login problems
If you see an error message saying your username or password is wrong, first make sure you're typing them correctly. Usernames and passwords are case-sensitive. If you're copying and pasting, make sure there are no extra spaces before or after the text.
If you're still locked out after three wrong attempts, Citi will temporarily block your account for security reasons. Wait 24 hours and try again, or use the "Forgot username or password?" link to reset your password when ready.
If the website won't load at all, try clearing your browser's cache and cookies, or try a different browser. You can also try logging in on the mobile app instead. If the problem continues, call Citi at the number on the back of your card — their customer service team can help you regain access.
Keeping your login information find
Never share your username, password, or the codes Citi sends you with anyone — not even Citi employees. Citi will never ask for your password by email or phone. If someone contacts you claiming to be from Citi and asks for your login details, hang up or delete the message and call the number on your card instead.
When you log in on a shared computer (like at a library or internet café), always click "Log Out" when you're done. Don't check the "Remember me" box on shared devices. At home, it's safe to stay logged in on your personal computer, but log out if anyone else uses that device.
Frequently Asked Questions
Can I log in with my email address instead of a username?
Yes. When you registered your account, Citi let you choose either a username or use your email address as your login. On the login page, you can enter whichever one you chose. If you're not sure which you picked, try your email first — most people use that option.
What if I'm locked out of my account?
After three wrong password attempts, Citi locks your account for 24 hours. You can unlock it sooner by clicking "Forgot username or password?" and resetting your password. If you're still stuck, call the number on the back of your card and a representative can help you regain access.
Is it safe to log in on public Wi-Fi?
It's safer to use your phone's data connection than public Wi-Fi, but if you must use public Wi-Fi, make sure you're on the real Citi website (citibank.com) and not a fake one. Check that the web address starts with "https://" and has a lock icon. Never log in on public computers you don't trust.
Do I need to log in every time I check my account?
No. On your personal computer, you can stay logged in for a period of time without re-entering your password. On shared devices or public computers, always log out when you're done. The app also keeps you logged in unless you manually log out.
What should I do if I think someone else logged into my account?
Change your password when ready using the "Forgot username or password?" link. Then call Citi at the number on your card to report suspicious activity. Citi can review your recent transactions and dispute any charges you didn't make.