Citibank Customer Care Contact Number: An Expert, Up-to-Date Guide

The primary Citibank customer care numbers (U.S.)

Citibank, founded in 1812, supports over 200 million customer accounts and operates in more than 160 countries and jurisdictions. In the United States, there are two core phone lines most customers need: one for credit cards and one for retail banking. Using the correct number routes you to a specialist faster and helps avoid transfers.

For Citi credit cards, the general customer service number is 1-800-950-5114 (24/7). For Citibank retail banking (checking, savings, CDs, ATM/debit), the CitiPhone Banking line is 1-800-374-9700 (24/7). If you use a Telecommunications Relay Service, dial 711 first and ask the operator to connect you to the appropriate Citi number. Spanish-language assistance is available via the same lines; simply state “Español” when prompted or select it in the automated menu.

If you are outside the U.S., the fastest path is to call the number printed on the back of your card or debit card, which is set up for your product and region. For a current directory of country-specific contact options, use citi.com/worldwide or the U.S. contact page at online.citi.com/US/contact-us. When possible, use the Citi Mobile App to place a secure in-app call that matches your account and reduces verification steps.

Key numbers at a glance

Bookmark the following for quick access. These are the most-used routes to a live specialist for most U.S.-based customers, and they operate around the clock unless otherwise noted. Always have the last 4 digits of your card and personal identification details ready to pass authentication quickly.

• Citi credit cards (all consumer cards, including rewards and co-brands): 1-800-950-5114 (24/7).
• Citibank retail banking (checking, savings, debit/ATM questions): 1-800-374-9700 (24/7).
• Telecommunications Relay Service (hearing/speech): Dial 711, then request connection to the above numbers.
• Official U.S. contact page (current numbers and chat options): online.citi.com/US/contact-us
• Global country directory (for non-U.S. customer care): citi.com/worldwide

If your card is lost or stolen, call immediately—use 1-800-950-5114 for credit cards or 1-800-374-9700 for debit cards. Citi can lock the card instantly, review recent transactions for fraud, and arrange a replacement. If you cannot place a domestic toll-free call (for example, while traveling abroad), use the international customer care number on the back of your physical card or in the Citi Mobile App under Card Settings to reach a collect-call-enabled line.

When to use each number—and what issues are handled fastest

Use 1-800-950-5114 for all Citi credit card topics: transaction disputes, rewards and ThankYou Points, credit line increases, fraud alerts, balance transfers, payment posting questions, and promotional APR clarifications. The automated system can retrieve recent charges, payment due dates, and available credit; saying “representative” or selecting “Something else” typically routes you to a specialist.

Use 1-800-374-9700 for retail banking services: debit card disputes, ATM fee questions, Zelle or ACH issues, domestic and international wire support, overdraft settings, and account maintenance (address changes, travel notices for debit cards). If you hold both a Citi checking account and a Citi credit card, it’s fine to call either line to start—agents can warm-transfer you when needed—but starting with the correct line usually shortens the call.

For travel, place a quick notice via the Citi Mobile App before you depart (Profile and Settings > Travel) and store your product-specific international phone numbers offline. If your phone is lost, you can still authenticate by answering security questions; ask the agent to send replacement cards or assist with digital card provisioning to a new device once your identity is verified.

What to have ready before you call to speed resolution

Most authentication takes under two minutes if you have a few items at hand. Citi generally verifies using your full name as on the account, the last 4 digits of your Social Security Number or Tax ID (for U.S. persons), your billing ZIP code, and a one-time passcode (OTP) delivered by text, call, or the Citi Mobile App. If you cannot receive an OTP, be prepared to answer security questions you set previously.

For disputes or complex servicing, an agent can help faster if you have details in front of you—transaction dates and amounts, merchant names, your statement cycle dates, and any reference numbers (for example, an ATM dispute claim ID). Write down the case number the agent provides; it’s the fastest way to pick up where you left off if you need to call back.

• Your card or account number (full or last 4 digits) and government ID details (e.g., last 4 of SSN/TIN).
• Access to the phone or email on file to receive an OTP; alternatively, the Citi Mobile App for push approval.
• Specific transaction details: date, amount, merchant/location, and why it’s incorrect or unfamiliar.
• Recent statement dates, payment confirmation numbers, and your current mailing address.
• Travel plans (dates/countries) if you’re calling to place a travel notice or to unlock foreign transactions.

Alternate ways to reach Citi customer care

The Citi Mobile App and online banking provide secure, identity-bound support channels. In-app Chat connects you to a virtual assistant first and then to a live agent for account-specific issues. From the app, you can also lock/unlock your card, request a replacement, view or download statements going back multiple years, and confirm payment posting in real time—often avoiding a phone call entirely.

For web users, start at online.citi.com/US/contact-us to find the right option for your product. The site lists phone numbers, secure messaging, and, where available, callback options to reduce hold time. If you prefer in-person service, use the branch locator at online.citi.com/US/ag/citibank-locations to find the nearest branch, hours (including Saturday availability where offered), and ATM services.

Citi’s social media support team can field general questions via official accounts (for example, “Ask Citi” on X and Facebook), but they will not discuss account-specific details publicly. Expect to be directed to secure channels for anything involving your identity or account, which is by design for your security.

International and travel support

Because Citi operates globally, customer care is localized by country. The most reliable method abroad is to call the number printed on the back of your card; these numbers are designed to accept international and, where indicated, collect calls. If you misplaced your card, log into the Citi Mobile App from a trusted device to view product-specific contact numbers under your account profile or Card Settings.

For a directory of country websites and contact options, use citi.com/worldwide, then choose your market (for example, Singapore, Mexico, or the United Kingdom) to see the current customer care numbers and hours. Charges for international calls depend on your carrier; using Wi‑Fi calling or internet-based calling apps to reach the published local or toll-free numbers can reduce cost when available.

If you are traveling and suspect fraud, lock the card immediately in the app and call as soon as you have a secure connection. Citi can place temporary blocks, overnight a replacement to many locations (where courier service is available), and help you recover access to digital wallets so you can continue payments safely.

Addresses and escalation paths

Citi’s global headquarters is at 388 Greenwich Street, New York, NY 10013. This is not a mailing address for payments or routine servicing, but it is the official corporate address for records and formal correspondence. Payment and correspondence addresses vary by product and state; always use the remittance address printed on your most recent statement or displayed in the Citi Mobile App to ensure on-time posting.

If an issue requires escalation, ask for a supervisor during the call and request the formal case or complaint number. You can also submit a written complaint through secure message in online banking (recommended for an auditable paper trail). For U.S. banking customers, unresolved complaints can be raised to the bank’s Executive Response team via the channels provided after you obtain a case number from frontline support; this process helps ensure your file contains all prior notes and evidence.

Before mailing any documents, confirm the correct destination address with an agent or on your statement—overnight courier addresses, dispute documentation addresses, and general correspondence addresses can be different. Keeping copies of what you send, along with tracking numbers and timestamps, speeds follow-up and resolution.