This updated guide explains how to make a Citi credit card payment online via Citi.com or the Citi Mobile app. It covers signing in, adding and verifying a bank account, submitting one-time payments, setting up autopay, timing expectations for ACH transfers, e-statements, security, and practical tips to avoid late fees.

Why pay your Citi card online

Paying a Citi credit card online is faster and usually cheaper than mailing a check. You avoid stamps and paper, get a digital receipt, and can make payments from anywhere with an internet connection. Online payments also reduce the risk of a late payment when you travel or are away from home.

Quick steps to make a one-time payment

  1. Sign in to Citi at citibank.com or the Citi Mobile app.
  1. Select the credit card account you want to pay.
  1. Choose "Make a payment" or "Pay bill."
  1. Select the bank account or debit card you want to use. If you haven't added a bank account yet, you'll be prompted to register one.
  1. Enter the payment amount and the date you want the payment to post.
  1. Review and submit. Save the confirmation or screenshot for your records.
If you add a new bank account, Citi will typically verify it before allowing ACH transfers. Verification can take a few business days or may complete instantly if an instant-verification option is offered by the bank or a third-party service .

Set up recurring payments (Autopay)

Citi lets you set up recurring payments so you never miss a due date. When you enroll in autopay you can usually choose to pay the minimum due, the statement balance, or a fixed amount each month 1. Review your settings after each billing cycle to make sure the selected option still fits your needs.

Timing and expedited options

Standard ACH payments commonly take 1-3 business days to post. Some payment methods or expedited services may post the same day for a fee or if the card issuer supports same-day processing 2. Always schedule payments a few days before the due date to avoid any processing delays.

Security and e-statements

Citi secures online payments with encryption and multi-factor authentication. You can opt in to e-statements to receive monthly billing statements online instead of by mail. E-statements help you track due dates and confirm payment amounts.

Helpful tips

  • Enroll and verify your bank account well before your first online payment. If verification uses micro-deposits, allow extra days for those to appear.
  • Keep a confirmation number or screenshot until the payment posts to your account.
  • For large balances or urgent payments, check Citi's options for same-day or expedited payments and any associated fees.
Online payments make managing your Citi card simpler and more reliable. Set them up once and you'll reduce paper clutter and the chance of a missed payment.
  1. Confirm current Citi bank-account verification methods and typical verification time (micro-deposits vs instant verification).
  2. Confirm which autopay options Citi currently offers (minimum due, statement balance, fixed amount) and exact naming.
  3. Confirm availability and fees for same-day or expedited online payments to a Citi card.

FAQs about Citicard Online Payment

How long does it take for an online Citi payment to post?
Standard ACH payments typically post in 1-3 business days. Some expedited methods may post the same day, but availability and fees vary, so schedule payments a few days before the due date.
Can I set up automatic payments for my Citi card?
Yes. Citi offers recurring payments (Autopay) so you can automatically pay the minimum due, the statement balance, or a fixed amount each month. Review your chosen option after each statement to ensure it meets your needs .
Do I need to add my bank account to pay online?
Yes, you must register a linked bank account or use an eligible debit card to transfer funds. New bank accounts are usually verified before ACH transfers are allowed.
Are online payments to Citi secure?
Yes. Citi uses encryption and multi-factor authentication to protect online logins and payments. Enrolling in e-statements can also help you monitor activity.
What should I do if my payment hasn’t posted?
First, check the confirmation number and scheduled date. If the expected posting window (typically a few business days) has passed, contact Citi customer service to investigate.