Citibank Customer Service

Phone Number & Contact Info

Citibank's Best Phone Number

Toll-free·Calls Customer Service·Most popular Citibank number

How do I talk to a live human at Citibank?

A:Calling this Citibank number should go right to a real human being

Does Citibank offer 24 hour customer service?

A:Yes! This call center operates 24 hours a day, 7 days a week. The least busy day is Sunday, and the most busy day is Friday.

How long will I wait on hold?

A:We don't expect that you will have to wait to talk to a person. This is a direct line. How is this calculated?

Citibank Customer Phone Numbers

Online Fraud Protection

Toll-free · 24 hours, 7 days · Press 0 at each prompt, ignoring messages or repeat "Representative" · Enter or say your credit card number, social security number, or taxpayer ID.

Identity Theft

Toll-free · 24 hours, 7 days · When the phone answers, say customer service twice followed by 0# · Enter or say your credit card number, social security number, or taxpayer ID.


Toll-free · 24 hours, 7 days · Press 0# at each prompt, ignoring messages. · Enter or say your credit card number, social security number, or taxpayer ID.

Citi AAdvantage

Toll-free · 24 hours, 7 days · Press 0 at each prompt, ignoring messages. · Advantage Card - How can I help you today?

International Customer Service

24 hours, 7 days · Calling this Citibank number should go right to a real human being · Enter or say your credit card number, social security number, or taxpayer ID.

How do I get through the phone menu to a live person?

GetHuman researchers routinely call this Citibank phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest: Calling this Citibank number should go right to a real human being
Here is how our research team describes the way the Citibank phone system greets you: How can I help you today? (Respond to the question.)
Below are some clips we've found from Citibank's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:

They may ask your reason for calling (instead of a menu)

"To accurately direct this call, I will need a little more information. In a few words, please tell me the reason you called."
Excerpt from a call with Citibank
Friday, May 31, 2024 9:06 PM

They may ask you to say or enter information

"Let me see if I can assist. You are now in our speech enabled system. To access our touch tone system, press star star at any time.
How would you like to access your information?
You can say credit card number, or you can also say Social Security number."
Excerpt from a call with Citibank
Thursday, February 8, 2024 8:04 PM
In fact, much of this information on this page is superfluous because this Citibank phone number is a direct line to a human being. The line is well-staffed and you should anticipate a very short wait on hold or none whatsoever, as long as you are calling during business hours.
We don't know of any phone menus you would encounter when calling either.

What are the hours and when should I call?

Citibank operates the call center for this 800-950-5114 phone number 24 hours, 7 days. The short answer is that you should call on a Wednesday. This observation and the following section are based on analysis of a sample set of 1,672 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Citibank phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Citibank staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.

The least busy time to call

The least busy day to call Citibank is Sunday. The most busy day to call is Friday, which averages 131% more phone calls by comparison. Again, this is based on a sample of 1,672 calls made with our AI-powered, web-based phone in the last 90 days.

The shortest wait on hold

We measured the shortest hold times to be on Friday. The longest wait in the queue on average occurs on Wednesday.

The best time to call Citibank

In summation, the best day to call Citibank is Wednesday.
Once again, please put this information in perspective because this phone number has no phone menu or long waits. It generally gets picked up right away if calling during their opening hours. If there is any way, it will typically be very short.

Calling this Citibank Customer Number

Adam Goldkamp is the editor / author responsible for this content.
Dec 18, 2023

I want to improve my credit score before applying for a new car loan to secure a better rate. I have a decent enough score, but a couple more points will get me into the excellent range. I just need a little more available credit, so I decided to look into a Citi credit card. I'm apprehensive about signing up for things online because of identity fraud, which I have been a victim of in the past, so I called the bank directly to talk about my options. 

Overall, my experience was pleasant, and I didn't have to wait too long to talk to someone, which was a bit of a surprise since Citibank is a major banking corporation, and if I needed to wait, I would've understood. I expected to be on hold for a while, but I ended up talking to someone within the first few minutes of my phone call, so that wasn't bad. People probably call daily about their credit cards, billing, savings accounts, loans and potential fraud, so they clearly do a good job of providing enough agents to address customers' needs. 

When I first called, an automated voice said, "Welcome to Citi Cards. This call may be monitored or recorded. How can I help you today?" I answered, "Open a new account," and the voice assistant responded, "Thanks for your interest in opening a Citi account. You can visit Citi.com to apply online. If you are already a Citi customer, you can apply using the Citi app. Otherwise, do you want to submit a new application over the phone?" After I replied yes, it told me to wait while it got someone to help me. 

At this point, I thought I might get to the hold line, but instead, I had another new array of options to get through first. This time, a different automated voice said, "Thank you for calling the Citi Cards application center. If you want to check the progress of a previously submitted application, our average processing time is 10 days. If it is after 10 days and you want to check the status of your application, please press 1. If you require assistance with an existing Citi card or retail account, please press 2. If you are calling to apply for a Citi credit card, please press 3, and you will be connected to the next available. If you are calling because you believe you received an outbound call from Citi with your call showing 800 Citi, please be informed that Citi would not place calls from this outbound number. The call was, therefore, placed by another organization. Citi cannot assist you from being removed from another outbound organization’s list."

It was quite the speech, but thankfully that was the last one because after a brief pause, once I chose option 2, it took me straight to an agent who helped me complete the application process. 

Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.

Why Customers Call Citibank

If you have time to do a bit of reading before you call Citibank, we recommend you read over some of our problem-specific articles.

Can I access my Citibank (UK) account online?

Yes, you can access your Citibank (UK) account online. Citibank offers a secure and convenient online banking platform that allows you to manage your account anytime and anywhere. Through Citibank Online, you can view your account balances, transactions, and statements, as well as initiate transfers and payments. The platform is user-friendly and accessible from both computer and mobile devices, ensuring flexibility and ease of use. With Citibank Online, you can also set up alerts, track your spending, and manage your personal finances more efficiently. Rest assured, Citibank prioritizes the security of your online transactions, implementing a range of advanced security measures to protect your account information and sensitive data.

What are the fees and charges associated with Citibank accounts?

Citibank offers a range of accounts with varying fee structures to accommodate individual needs. While the specific fees and charges depend on the type of account, certain common charges may apply. Account maintenance fees may be applicable, but they can often be waived by meeting certain criteria such as maintaining a minimum balance. Additional fees may apply for services like wire transfers, debit card replacement, and overdrafts. Citibank also provides optional services that may have their own charges, including access to out-of-network ATMs or personalized checks. However, Citibank aims to provide transparency regarding fees, and customers can find detailed information about the specific fees and charges applicable to their chosen account on the bank's website or by consulting a Citibank representative.

What types of accounts does Citibank (UK) offer?

Citibank (UK) offers a range of accounts to cater to different customer needs. These include current accounts, savings accounts, and foreign currency accounts. Current accounts are designed for day-to-day banking needs and may come with features such as overdraft facilities, debit cards, and online banking. Savings accounts provide options for customers to save money and earn interest, with choices including fixed-rate accounts and flexible savings accounts. Foreign currency accounts enable customers to hold and manage funds in different currencies, which can be useful for international transactions or travel. Citibank (UK) also offers specialized accounts for businesses and corporations. Overall, they offer a comprehensive suite of accounts to ensure that customers can find solutions that meet their financial requirements.

Top Citibank customer service problems

Click the link above to get answers to just about any Citibank customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Citibank, and their purpose. Are any of these similar to the reason you are trying to call?
Card assistance needed: "I need assistance with my Citibank card."
- From a call lasting 4m 10s , Jun 19, 2024 8:54 PM
Applying for a loan: "I'm interested in applying for a loan and would like to talk to someone about it."
- From a call lasting 58s , Jun 18, 2024 6:39 PM
Seeking to talk to representative: "I would like to speak with a representative."
- From a call lasting 36s , Jun 14, 2024 3:21 PM
Inquiry about missing opening bonus: "I was supposed to get a bonus for opening an account, but I did not receive it."
- From a call lasting 3m 44s , Jun 11, 2024 10:38 PM
Assistance with Citi mobile app: "I need help with someone telling me how I can get on my mobile app without having to use a password."
- From a call lasting 5m 56s , Jun 2, 2024 1:51 AM
Checking balance inquiry: "I would like to check my account balance, please."
- From a call lasting 39s , Jun 1, 2024 9:12 PM
Requesting new credit card: "I lost my credit card and need a new one immediately."
- From a call lasting 1m 39s , May 31, 2024 10:04 PM
Inquiring about past due credit card bill: "Says that my bill is past due. My credit card last digit is nine three six three."
- From a call lasting 4m 14s , May 31, 2024 9:06 PM
Reported fraud: "I need to report fraud on my account."
- From a call lasting 1m 22s , May 29, 2024 11:28 PM
Updating account information: "I need to update information on my account in order to log in."
- From a call lasting 1m 26s , May 23, 2024 8:29 PM

More Citibank Customer Service Contacts

There are of course other ways to contact Citibank customer service besides the phone. Below we list the best ones, by medium.

Citibank Customer Service Live Chat

online.citibank.com - Customer Service
On the right side of the page, click the Sign On link above Let's Talk. Fill in your user name and password, then click the Sign On button. Once logged in, click the Live Chat button.
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Citibank provides this option.

Citibank Customer Service on X (formerly Twitter)

@askciti - Customer Service
Online customer service Twitter feed
@citibank - Customer Service
Use this link or copy and paste it to send customer service a Tweet
Citibank, like many companies, provides customer service on the X platform (formerly Twitter). While it rarely entails live dialogue with a customer service rep, this channel can yield rapid response times and can be a useful option if you have an X/Twitter account.

Citibank Customer Help Desk / Web Support

online.citibank.com - Customer Service
Online customer service support
As a last, sometimes only, resort- Citibank customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.

Conclusion and closing notes

This is Citibank's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Citibank agent. This phone number is Citibank's best phone number because 93,786 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-950-5114 include Dispute a Charge, Replacement Card, Get Banking Help, Account Access, Make a Payment and other customer service issues. The Citibank call center that you call into has employees from Texas, Missouri, Virginia, Kentucky and is open 24 hours, 7 days according to customers. In total, Citibank has 6 phone numbers. It's not always clear what is the best way to talk to Citibank representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

GetHuman does not provide call center services or customer support operations for Citibank. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Citibank. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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