Citi Mobile App – Discover the Features and How to Use

There are a lot of reasons why people want to use mobile banking apps nowadays. It’s convenient, free to use, and allows us to do banking without going to the bank. It helps us save time and receive all the benefits at the same time.

This is where the Citi Mobile app raises the bar against its many competitors. The app offers a wide variety of features that make online mobile banking faster, more convenient, and more secure. Citi Mobile is more than just an app to check your account, you can do different transactions, make payments, apply for a card, or even check your credit score.

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Get to know more about the key features of the app, learn how to track your expenses, make payments, and more with the guide down below.

  • Here’s How You Can Open an Account without Going to the Bank
  • Manage Bills So You Can Pay on Time
  • Find Out How You Can Monitor Your Credit Score
  • Track Your Spending Habits and Learn How to Minimize Your Expenses
  • Learn More about How You Can Protect Your Account through the Following Security Features
Citi Mobile App – Discover the Features and How to Use
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Here’s How You Can Open an Account without Going to the Bank

The Citi Mobile app gives you the option to open an account even without going to the bank. All you need to do is apply for an account, submit all the necessary documents needed to open an account and you are all set. 

Citi Mobile App – Discover the Features and How to Use
Image Source: Citi Singapore / YouTube

You will need to undergo several assessments first before you can open an account. You can even apply for a credit card if you wish to do so within the app. There is a separate list of requirements for those who want to apply for a credit card. 

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Now that you have your account, you can immediately review all important account information in just a quick glance using the Citi Mobile Snapshot feature. 

This feature gives you all the account details that you need without having to log in to the app.

Link All of Your Accounts and Cards Together

Citibank offers one of the most diverse lists of cards for its customers. With so many cards such as credit cards and debit cards that cater to different people, it can be very difficult to track all of them. 

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Fortunately, the Citi Mobile app lets you enroll and link all of your cards and accounts together. This allows you to view and do transactions on each account and card within the app. You no longer have to log in through different accounts on the app just to view or make any transactions. 

Simply switch to the other account that is already linked to yours and start managing. With the Citi Mobile app, you can virtually manage all of your cards, accounts, and investments in one place.

Manage Bills So You Can Pay on Time

One thing that always keeps many account holders worried is paying the bills. With so many bills to pay, it can be very difficult to track everything. 

Citi Mobile App – Discover the Features and How to Use
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The good thing about the Citi Mobile app is that it allows you to manage all of your bills so you can pay all of them on time. Schedule automatic payments depending on the due date of your bill so you are assured that you pay them. 

When it comes to credit card payments, it is important that you make payments on time. This can help bring your credit score up so go ahead and schedule all of your payments either before or on your due date. 

You can do this on bank transfers as well.

Make Payments with Zelle

One of the reasons why many people use the Citi Mobile app is to make online payments. The app offers a very convenient way to make your payments with a new feature. 

Citi Mobile has partnered with Zelle to enable a fast and free way to make payments. You can easily pay your bills or even split the bill with other people using this feature. 

It is a great option for those who want to pay for their dinner at the restaurant or if you simply want to shop together with your family.

Find Out How You Can Monitor Your Credit Score

We all know how important it is to maintain your credit score. Having a good credit score means you get to increase your credit limit and you can even enjoy a lot of perks from the bank. 

Citi Mobile App – Discover the Features and How to Use
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This also allows you to practically loan a certain amount that you like without the bank having to investigate thoroughly during approval. These are just some of the basic advantages of having a good credit score. 

The good thing about the Citi Mobile app is that it allows you to monitor your credit score for free, unlike other mobile banking apps. 

This should give you all the information that you need to either maintain your credit score or course correct your declining credit rating.

Redeem Your Rewards

We already know that Citibank offers a myriad of cards to choose from depending on our lifestyle. There are credit cards that focus on leisure and travel among many others. Most Citi cards offer different rewards every time you use them. 

You can view all of your reward points on the app. Most of these reward points can be redeemed for different prizes such as free vacation or discounts on your next flight. Check the app for all the benefits you get when you redeem your reward points. 

This is one of the many features that you should take advantage of especially if you are fond of using your Citi cards for different transactions.

Track Your Spending Habits and Learn How to Minimize Your Expenses

Apart from the account management features that have already been mentioned above, one of the key important features that you should take advantage of is your credit card spending habits. 

Citi Mobile App – Discover the Features and How to Use
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The app tracks all of your credit card transactions and categorizes all of your expenses. This helps you understand how you spend your money so the next time you want to either spend or save some money, you will know which area of your expenses you need to reduce.  

The transaction details are also comprehensive and it will allow you to understand how expenses are. This helps you set a budget and even helps maintain it in the long run.

Dispute Credit Card Transactions with Ease

There will be instances where you will have to deal with disputes on your credit card transactions. Contacting their support is highly recommended when this happens and the Citi Mobile app makes it easier for you to do so. 

You can always dispute credit card transactions with ease thanks to the information given to you on the app. All of your transactions are noted and documented within the app so it is very easy and convenient for you to make disputes. 

If you have already filed a dispute, you can also check its status by logging in to the app. This way, you will know the timeline for when such a dispute will be resolved.

Learn More about How You Can Protect Your Account through the Following Security Features

All of us want to protect our accounts from either being hacked or used in fraudulent transactions. This is why the Citi Mobile app has security features that will protect your account. 

Citi Mobile App – Discover the Features and How to Use
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To protect your account from being accessed by other people, you should enable Touch ID or Face ID depending on your device. You will then have to enroll either your fingerprint or a scan of your face on your device so the app can recognize it. 

Use this every time you log in to the app so no one else can. It is also a convenient way to log in to your account if you wish to do so. 

The bank also recommends that you change your PIN regularly and you can do so within the app. 

Get Alerts and Stay Informed

The Citi Mobile app has a lot of security features that protect your account. One of which is through their alerts system. Every time you log in to your account, you will receive a text message informing you of the time that you logged in. 

You can choose to receive alerts on many other transactions on your account such as bank transfers, deposits, withdrawals, and especially credit card transactions.

Make sure that you always enable the alerts on your app so you will be immediately notified and constantly informed of the activities of your account. This makes it easier for you to prevent any untoward incidents on the account.

Conclusion

There are still so many features on the Citi Mobile app that you can take advantage of such as the in-app customer service messaging where you can talk to an agent. There are also smart shortcuts that let you access different features with just a single tap. All in all, the Citi Mobile app is a comprehensive mobile banking app that aims to make your life more convenient.

Download the Citi Mobile app today at the Google Play Store and the Apple App Store for Android and iOS devices.