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Citibank UPI

The Unified Payment Interface(UPI) offered by Citibank enables customers of any bank to perform pay and collect transactions through a single platform operating on their mobile phones. A customer can link multiple accounts to the virtual payment address that he/she creates as an identifier on the app. There is no need to divulge sensitive information such as account number, IFSC code, etc. while making payments through the app. Using the application, customers can also request for funds from other users.

Key features and benefits of Citibank UPI

The salient features and benefits of the Citibank UPI are listed below:

  • A customer can perform real-time fund transfer using the IMPS platform, on a 24x7 basis.
  • The service is available to users who hold accounts with Citibank. A customer of another bank can also use the app if the bank is live on UPI and the IMPS platform.
  • A significant advantage of the UPI facility is that the user is not required to share his/her confidential information such as bank account number, IFSC code, Aadhaar number, etc. while performing fund transfers. Hence, this is a very secure money transfer option.
  • The following parameters are used to send and receive money using the app:
    • A virtual payment ID that is similar to an email ID
    • IFSC code and account number that will be protected
    • Aadhaar number that is also not revealed
    • The customer’s mobile number registered to the service
    • MMID
  • A customer can link more than one bank account to his/her virtual payment address on the application. This way, he/she can perform fund transfers from several accounts using the same mobile app.
  • The mobile banking MPIN of the customer is used by the app.
  • The transactions that are performed through the app are currently not levied any charges.
  • The maximum amount that can be transferred through Citibank UPI in a day is Rs.50,000.

Registration and Fund Transfer

A customer can register to use the Citibank UPI through the following steps:

  • First the user should activate mobile banking. For this, he/she should SMS MBANK to 52484.
  • The user gets the download link and using this, he/she can install the application.
  • The customer uses his/her login ID and IPIN for internet banking to initiate an IMPS transaction.
  • In order to send money to a recipient, the customer logs in to Citi Mobile and clicks on the ‘One-Time Fund Transfer’ option available on the home screen. Following this, he/she enters the recipient’s mobile number, amount to be transferred, and MMID. He/she will have to confirm the transaction to complete the money transfer.
  • In order to receive funds from another user, the customer should follow these steps:
    • Register his/her mobile number with the bank account.
    • Get the MMID from the bank.
    • Share the MMID and mobile number with the sender.
    • Request the sender to transfer funds.
    • Check the SMS confirmation regarding the money received through IMPS.

Customer Support

If customers have any queries regarding the usage of the app or would like to raise concerns, an efficient customer service team of the bank will assist them. The Citibank customer service cell can be contacted at the numbers, 022 2823 2265/1860 210 2484. The customer care team is available on a 24x7 basis to assist users of UPI.

Citibank UPI FAQs

  1. Is it necessary to register a beneficiary before the transfer of funds through Citibank UPI?

    No, it is not necessary to register a beneficiary to transfer funds through UPI. The funds are transferred on the basis of the virtual payment ID/Mobile number + MMID/Account number + IFSC/ Aadhaar number.

  2. Can I request for stop payment of funds that are transferred through Citibank UPI?

    No, once the payment is confirmed, funds are transferred instantly in real-time. So, fund transfer cannot be stopped.

  3. What are PUSH and PULL transactions?

    PUSH transaction is one in which you send money to a recipient. In a PULL transaction, you would collect/receive money from another user.

  4. What is MPIN?

    MPIN is Mobile Personalized Identification Number. It is a 4-6 digit number that the user sets in his/her bank’s mobile banking application. Every transaction initiated through UPI will undergo authentication using the MPIN.

  5. How is merchant payment done in UPI?

    Merchant payment is a simple process using the Citibank UPI. The customer has to share his/her virtual payment address with the merchant, who will then send a money collect request to him/her. The payment can be done without having to type in the card details or waiting for an OTP.

  6. What are the mobile platforms compatible with Citibank UPI?

    Citibank UPI supports Android phones of versions 4.4.4 and above. The facility will soon be extended to Windows and iOS phones.

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Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

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