Citi Bank customer care numbers: the fastest, safest ways to reach the right team

Citi (Citibank, N.A.), part of Citigroup Inc., supports approximately 200 million customer accounts and operates in more than 160 countries and jurisdictions. With an institution of this scale—tracing its origins to 1812—contacting the correct customer care line can save you time and help resolve issues on the first call. Below are the primary U.S. numbers, practical usage guidance, and secure alternatives to calling.

Phone numbers can change, and some lines are specific to your product, state, or country. Always verify on the official site (citi.com) or in the Citi Mobile App before dialing, and when possible, use the number printed on the back of your card or on your account statement.

Primary Citi customer care numbers (United States)

Use these core lines to get routed to the right Citi team. If you have multiple Citi products, the number on the back of your specific card or account statement will route you most accurately based on your profile.

• Citi Cards (credit cards) customer service: 1-800-950-5114 (24/7). For lost or stolen cards, call immediately and follow the automated prompts to reach the fraud team.
• Citibank (checking, savings, CDs, IRAs) “CitiPhone” banking: 1-800-374-9700 (24/7). This line covers deposits, online banking access, and general retail banking questions.
• Hearing and speech assistance: Dial 711 to connect to the Telecommunications Relay Service (TRS), then request Citi at the appropriate number above.
• Official website hub for contact options: https://www.citi.com/contactus (provides chat, secure messaging, and product-specific numbers).

If you’re outside the United States, use the international or collect-call number printed on the back of your card or shown in the Citi Mobile App. Numbers vary by country and product, and Citi publishes country-specific contact pages linked from the global site (citi.com, select your country/region).

Which number to call—and when

For credit card issues (billing disputes, credit limit requests, APR and fee questions, authorized users, travel notices, balance transfers, rewards redemption), start with 1-800-950-5114. This line can also route you to account security for fraud alerts and to specialist teams for co-branded cards (e.g., American Airlines AAdvantage, Costco Anywhere) after initial verification.

For deposit accounts (checking, savings, ATM/debit card, Zelle, wires, ACH, stop payments, statements), call 1-800-374-9700. If your debit card is lost or your online banking access is locked, select the corresponding IVR options to prioritize security triage. For branch-based services (medallion signature guarantee, safe deposit boxes), the agent can help you locate a branch and confirm ID requirements.

Get help faster: practical calling tips

Call volumes are typically heaviest on Mondays and the first business day after a U.S. federal holiday. Off-peak windows are often midweek (Tuesday–Thursday) mid-morning or mid-afternoon in your time zone. If you’re traveling, set your device to allow calls and SMS from unknown numbers so you don’t miss verification codes.

• Have verification ready: last 4 digits of SSN or TIN, full name, billing ZIP code, your Citi card/account number, and recent transaction amounts (for identity proofing).
• Use the Citi Mobile App or citi.com to generate one-time passcodes and to confirm the official number to dial before calling.
• State your goal clearly at the IVR prompt (e.g., “dispute a charge,” “report card lost,” “increase credit limit”) to reach the right queue faster.
• Document details: date/time, agent name or ID, and the case or reference number. If the issue spans multiple products, ask for notes to be shared across profiles.
• Escalate politely if needed: request a supervisor or the “retentions” or “specialist” team when discussing fee waivers, complex disputes, or credit line reviews.

Security and verification when contacting Citi

Legitimate Citi agents will verify you using known personal information and may send one-time passcodes to your registered phone or email. They will not ask you to read back full card numbers received in a text, nor request your online banking password or PIN. If something feels off, hang up and call back using the number on the back of your card or from citi.com/contactus.

Only enter credentials on official Citi domains (citi.com or your country’s official Citi site). Be cautious with inbound calls claiming to be Citi: if you didn’t initiate the call, it’s safer to end the call and dial the published number yourself. For suspected fraud on a card or deposit account, contact Citi immediately; prompt reporting can limit your liability and speed reissuance of cards and restoration of account access.

Digital alternatives to calling

Citi Mobile App (iOS/Android): Use in-app chat or secure messaging for non-urgent questions, upload documents for disputes, view or download statements, redeem ThankYou points, and set travel notices. Messaging offers a written trail, which can be helpful for ongoing cases.

Online banking at citi.com: From “Profile & Settings,” you can update contact details, manage alerts, lock/unlock cards, and access help topics. The “Contact Us” page dynamically shows numbers and hours specific to your products after you sign in.

Mailing address, branch locator, and corporate details

Corporate headquarters (not a customer service center): Citibank, N.A., 388 Greenwich Street, New York, NY 10013, USA. Do not mail payments or sensitive documents here unless specifically instructed by Citi; credit card payment remittance addresses vary by card and are listed on your monthly statement and online.

Find branches, ATMs, and in-branch services at https://www.citi.com/locations. Many services—such as wire transfers, cashier’s checks, and notary/medallion services—require an appointment and government-issued photo ID. Check posted hours for your location, as they can vary by branch and by day.

Traveling or living abroad with Citi

Before international travel, set a travel notice via the Citi Mobile App or online banking to reduce the chance of fraud holds. Add a backup contact method (secondary phone/email) in case your primary number cannot receive SMS one-time passcodes overseas.

If you need help outside the U.S., use the international/collect number printed on the back of your card or find your country’s Citi site from the global menu at citi.com to obtain the correct local number and hours. For wires to or from the U.S., Citibank’s U.S. wire routing number is typically 021000089, but always confirm instructions inside your account to ensure accuracy for your specific transfer.

When your issue is urgent

Lost or stolen card, suspected fraud, account lockouts, or unauthorized transfers should be treated as time-sensitive. Call immediately—24/7—using the card or deposit number above, and follow the security prompts to reach the fraud or access-restoration queue first. The faster you report, the sooner Citi can block compromised credentials and reissue secure access.

For disputes, note the merchant, date, amount, and any interactions or refunds promised. Most card disputes must be filed within 60 days of the statement date that first shows the error; filing sooner improves resolution speed and increases the likelihood of temporary credits while the investigation proceeds.