Introducing Citi Pay℠. The faster way to pay.

Turn your Android™ smartphone into a mobile wallet and experience a faster, more convenient way to pay.

Speed your way through purchases

Pay with Citi Pay on your smartphone instead of reaching for your wallet.

Launch the Citi Pay app and tap
the 'Ready to Pay' button

Key in your 4-digit Citi Pay PIN

Tap your phone on
the contactless terminal

Works on any Android device (version 4.4 Kit Kat or higher) with NFC support

Quick start

Setting up Citi Pay℠ is just like using it: fast and easy.

Download Citi Pay from the Google PlayTM Store, launch the app, and click 'Get Started'.

Log in using your Citi Online User ID and Password.

Enter the ‘One-Time PIN' sent to your mobile phone.

Create your 4-digit Citi Pay PIN.

All your Citi cards will be added automatically.

You will need a Citi Online banking account to use Citi Pay. If you don't have one, you can register now.

Why wait to use Citi Pay

You can start using Citi Pay on your AndroidTM
smartphone at all contactless terminals nationwide.

You will need a Citi Online banking account to use Citi Pay. If you don't have one, you can register now.


Is Citi Pay secure?

The Citi Pay app offers a number of features that enhance its security. Some of these include:

  1. Your physical card number is not stored on your phone - instead a unique Digital Account Number is used. Your Citi Online banking User ID and Password are not saved within the app.
  2. You'll create a unique PIN for your Citi Pay wallet and it will be needed each time you make a payment with the app.
  3. In case of a lost or stolen phone, you can call Citi and delete the card from the phone. Your physical card can still be used.

What do I need to start using Citi Pay?
  1. Ensure you have a Citi credit card.
  2. Ensure you have an eligible Android device with OS 4.4 (Kit Kat) or above.
  3. Ensure you have registered with Citi Online and that your mobile number is registered with Citi.
    • a. If you are not yet registered for Citi Online, visit to register now.
    • b. If you are unsure whether your mobile phone number is registered, log in to your online banking, select Services > My Profile > Update Phone Numbers. Check that your Primary Mobile number is correct and that it is linked to your One-Time PIN (OTP).
  4. Download the Citi Pay App from the Google Play Store.

How do I set up Citi Pay and add a Citi card?
  1. Set up Citi Pay using the steps provided under ‘What do I need to start using Citi Pay?'.
  2. Log in using your Citi Online User ID and Password.
  3. Enter in the OTP that is sent to you via SMS.
  4. You will be asked to create a Citi Pay PIN. This will be used when you make all transactions with the Citi Pay app and is separate to your ATM PIN.
  5. Citi will automatically add all credit cards on your account onto the Citi Pay app.
    • a. Note – only cards/accounts that are in good standing will appear.
  6. A confirmation message will be displayed below the new card(s) saying 'Citi Pay is ready to use'.

How do I make in-store purchases with Citi Pay?
  1. Open the Citi Pay app.
  2. Select the card you want to pay with by swiping left or right.
  3. Select Ready to Pay.
  4. Enter your secure Citi Pay PIN.
  5. Tap on the contactless terminal to initiate transaction.
  6. You will get a message confirming that the payment was sent.

Not a Citi cardholder yet?

Want to use Citi Pay but don’t have a Citi card? No problem. You can apply right now.

Citi Debit Card

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Copyright © 2018 Citigroup Inc.