Payment and Transfer

Enjoy upgraded payment and transfer
services with Faster Payment System

Making your payments and money transfers easy

Citi now connects to the Faster Payment System (FPS). You can receive or transfer funds to/from any local bank instantly with just a mobile number via the Citi Mobile® App or Citibank Online!

What's more, you can make payments even easier with two new features - an Autopay platform that enables you to set up and manage automatic payments to various merchants in one-go, plus "Citi Scan and Pay" to make or receive payments anytime anywhere.

Bringing you an easier transfer & payment experience

  • Easy and Convenient - Receive or transfer funds with just a mobile number/email address/FPS identifier1
  • 24/7 No-fee Instant* Interbank Transfers - Make HKD or CNY transfers to any local bank account at no charge2
  • Autopay Platform - Set up and manage automatic payments to various merchants or government agencies
  • Scan & Pay (Coming soon) - Scan the QR code on your mobile phone to make a payment anytime anywhere
Local Transfers

Transfer with an Account Number

  • Instant transfer between your own Citibank accounts
  • Instant transfer to your own Citi Credit Card accounts to settle your statement balance
  • Instant transfer to a registered third party's Citibank account
  • Transfer to a registered other local bank account: Instant transfer of funds in HKD and CNY, and same day5 transfer of funds in USD and EUR
  • Set up future dated or recurring transfers

FPS Transfer

Instant transfer of funds in HKD and CNY to any other local bank with a mobile number/ email address/ FPS identifier (Registered or Non-registered account)

  • To non-registered account: Up to HK$10,0003 daily
  • To registered account: Up to HK$1,000,0004 daily

To receive funds with a mobile number, please follow the below steps to register and link your mobile number to your account.

To receive funds with an email address, click here to view demo.

  • Tap Payments & Transfers > FPS Addressing Service from the side menu after logging in
  • Tap "Mobile Number"
  • Select the account you want to link to and funds will be deposited to this acccount
  • Enter the One-time Password from the SMS sent to your registered mobile number
  • Done. You can now receive funds with a mobile number

Please follow the below steps to transfer funds in HKD or CNY with a mobile number/ email address/ FPS identifier via the Citi Mobile App.

You can transfer funds of up to HK$10,0003 (or equivalent) daily without adding the recipient as a payee in advance. To transfer funds of above such an amount4, simply add the recipient as a registered account directly via the app. Click here to learn how to add a new payee.

  • Tap Payments & Transfers > FPS Transfer (mobile number/ email) from the side menu after logging in
  • Select an account to be paid from
  • Tap "Pay to" :
    Select Registered payee OR
    Select Non-registered payee > Mobile number/Email address/FPS identifier
  • Input mobile number/email address/FPS identifier
    (You don't need to input if you transfer to a registered payee)
  • Select currency (either HKD/ CNY) and input amount
  • Verify the details and tap "Confirm"
  • Input Citi Mobile Token Unlock code or
    the One-time Password from SMS for authentication
  • The transfer is completed!

Useful Tips

  • To transfer funds to your payee with a mobile number/ email address, you do not need to register. However, your payee must register that mobile number/ email address with the FPS service first to link an account to receive funds.
  • Fund transfers are subject to a daily transfer limit. Click here to find out more.
  • If you do not wish to make a transfer to any non-registered payee (including transfer via the Citi JETCO Pay app), please complete and submit the form to decrease the daily transfer limit to HK$0 for all non-registered accounts.
  • If you wish to receive funds from other local banks:
    • Simply link your mobile number/email address to your Citi account via FPS Addressing Service; or
    • You can set up a transfer instruction using the Bank Code (250), Branch Code (390) in addition to your account name and account number.
Overseas Transfers

Citibank Global Transfer

Instant transfer to overseas Citibank accounts in designated countries

Click here for details

Telegraphic Transfer

Transfer to other overseas bank accounts

Useful Tips

  • You will need to add the new payee in advance for overseas transfers. Click here to learn how to add a new payee via the Citi Mobile App.
  • Handling fees6 are applicable to overseas transfers via Telegraphic Transfer. You can choose to deduct the charges from your Citibank account in addition to your transferred amount or from the transferred amount sent to the beneficiary.
  • Fund transfers are subject to a daily transfer limit. Click here to find out more.
  • Future dated or recurring transfers are not applicable for overseas transfers.
  • If you need to receive funds from an overseas bank, you might need the following in addition to your account name and account number:
    • Bank Code : 250
    • Branch Code : 390
    • SWIFT Code : CITIHKAX
Bill Payments

Bill Payments

With your Citibank account or Citi Credit Cards, you can:

  • Settle your bills with a wide range of merchants, including utilities, tax payments, telecommunications, government and charities. Click here for the merchant list.
  • Set up instructions for regular recurring payments to avoid being overdue
  • Online demo for bill payment: Pay tax

Useful Tips

  • You can pay the following designated merchants directly via Citi Mobile App without having to add them as a new payees. Designated merchants categories include: Government or Statutory Organization , Tax, Business Registration or Stamp Duty, Public Utility, Kindergarten, Primary or Secondary Education and Post-secondary or Specialized Education.
  • If you would like to pay other merchants or pay via Citibank Online, simply add the merchant as a new payee. Before you do this, you will need to activate the Citi Mobile Token in advance. Click here to learn more about Citi Mobile Token.
  • Fund transfers and bill payments are subject to a daily transfer limit. Click here to find out more.
Autopay Service (eDDA)

Autopay (Direct debit authorization, eDDA)

With your Citibank banking account, you can:

  • Set up and manage autopay instructions, settle payments to third parties to avoid payment overdue.
  • Make payments to merchants, government agencies.
  • Modify or cancel your autopay instructions anytime.

Useful Tips

To set up autopay to pay government or public utility bills, you have to input payee's account information.
Below information is for your reference:

Recipient Payee Name Bank
(Input number to search)
Branch Code/
Account no.
Debtor's reference
Public Utility
The Hong Kong Electric Company Limited The Hong Kong Electric Co. Ltd. 004 002/
220457001
Account no. of the supply address shown on the electricity bill
CLP Power Hong Kong Ltd CLP Power Hong Kong Limited 004 002/
208239002
Electricity Account No. shown on your electricity bill
The Hong Kong and China Gas Company Limited The Hong Kong and China Gas Company Limited 004 002/
220143007
Gas Account No.
Government
HKSAR(Water & Sewage Charges) The Government of the Hong Kong Special Administrative Region 004 002/
900439001
11-digit Account Number as shown on the water bill
HKSAR(Rates/ Government Rent) Director of Accounting Services 004 002/
900413001
15-digit Account Number as shown on the demand note for rates and/or Government rent
HKSAR(Government Rent) The Government of the Hong Kong Special Administrative Region 004 002/
900421001
Government Rent reference

Security measures

To provide you comprehensive security protection when you set up an Autopay instruction (eDDA) to debit a Citibank account for payment, the following authentication processes are required. All eDDA will not be effective until it has been successfully authenticated.

  • Set up an eDDA via our Citi Mobile App or Citibank Online: Before submitting the eDDA instruction, you are required to enter Citi Mobile Token Unlock Code (set up via Citi Mobile App) or perform transaction signing (set up via Citibank Online).
  • Set up an eDDA via a Stored Value Facility (SVF) operator's or another bank's platform: We will send you an SMS notification, requesting you to log on to the Citi Mobile App or Citibank Online to confirm the eDDA. This eDDA will be automatically cancelled if it is not confirmed within 5 days.
FAQ

Common questions

View more - Choose a topic

Remarks:

  • Limits to receiving banks that support instant transfer functionality
  • FPS identifier is a unique system-generated payment ID for linking with your account.
  • Citibank will not levy any handling fee. An Interbank fund transfer service fee may be applied by your receiving bank to the transferred amount. Please contact the receiving bank for enquiry.
  • The maximum daily limit for transfer to non-registered account via Citibank Online, Citi Mobile App or Citi JETCO Pay is HK$10,000 (default amount) or your pre-set daily limit, whichever is lower.
  • The maximum daily limit for transfer to registered third party or other local bank accounts via Citibank Online or Citi Mobile App is HK$1,000,000 (default amount) or your pre-set daily limit whichever is lower.
  • Cut-off time for same day processing is Monday to Friday 4:30 pm. Transaction made after the cut-off time, or on Saturday, Sunday and Public Holiday will be processed on the next business day.
  • For telegraphic transfer charges, please refer to Citibank Fees & Charges.

Terms and Conditions for "Faster Payment System (FPS)" Program

Citibank HK

Download Citi Mobile® App and register with FPS today.

Available on the App Store     Android App on Google play

Click here to learn more about Citi Mobile®

  • Citi Mobile® App makes banking more convenient
  • e-Statement Services