Review Insights · App Store
Citi Mobile®
Citibank · 3,882,217 ratings · ★ 4.9
4.9
★★★★★
3,882,217 ratings
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Top complaints - extracted from 70 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"bank"
12 negative reviews mention this · 17% of all complaints
★★★★★ "Td bank scam. Spier sold at $1 it’s a scam" - CBM1877
2
"citi"
11 negative reviews mention this · 16% of all complaints
★★★★★ "DO NOT SIGN UP WITH CITI. They have an incredibly stupid way of setting up your credit card. Their verification does not let you activate your account and they make you wait until the mail comes in the mail." - XLR8 :)
3
"account"
11 negative reviews mention this · 16% of all complaints
★★★★★ "DO NOT SIGN UP WITH CITI. They have an incredibly stupid way of setting up your credit card. Their verification does not let you activate your account and they make you wait until the mail comes in the mail." - XLR8 :)
4
"card"
9 negative reviews mention this · 13% of all complaints
★★★★★ "DO NOT SIGN UP WITH CITI. They have an incredibly stupid way of setting up your credit card. Their verification does not let you activate your account and they make you wait until the mail comes in the mail." - XLR8 :)
5
"been"
9 negative reviews mention this · 13% of all complaints
★★★★★ "Ridiculous. In order to pay a balance on a loan it requires a push notification to the app. In order to get the push notification you have to close the app which closes out your pending payment. It means it’s impossible to pay your loan on the app, it’…" - 60DY
6
"other"
9 negative reviews mention this · 13% of all complaints
★★★★★ "Lowered my credit because i used credit. Title says it all. Does that make sense? Perfect credit, never missed a single payment. From $5000 down to $2012 because i used my credit with other companies. I understand reducing risk but where is the risk in someone with perfect credit …" - Nonenonenonenoneq
7
"password"
9 negative reviews mention this · 13% of all complaints
★★★★★ "Activate your promo rate with one click. Activate your promo rate with one click What do you think of the Citi mobile app Your loan your card your way Activate your promo rate Save with fixed rate CDs Your loan your card your way Thanks for your recent call What do you think of th…" - mjm.00
8
"does"
8 negative reviews mention this · 11% of all complaints
★★★★★ "DO NOT SIGN UP WITH CITI. They have an incredibly stupid way of setting up your credit card. Their verification does not let you activate your account and they make you wait until the mail comes in the mail." - XLR8 :)
9
"customer"
8 negative reviews mention this · 11% of all complaints
★★★★★ "Terrible first day as a Citi customer. I was forced over to Citi from Barclays with my American Airlines card. The app says I can register with my Barclays card, which doesn’t actually work. There is no chat function so I now have to waste my time calling. Definitely not a seaml…" - jade021111
10
"doesn"
8 negative reviews mention this · 11% of all complaints
★★★★★ "Lowered my credit because i used credit. Title says it all. Does that make sense? Perfect credit, never missed a single payment. From $5000 down to $2012 because i used my credit with other companies. I understand reducing risk but where is the risk in someone with perfect credit …" - Nonenonenonenoneq
11
"phone"
8 negative reviews mention this · 11% of all complaints
★★★★★ "Forgetting the past. The update’s basically forget past customers, especially those who maybe elderly, economically challenged or anyone with an older, reliable mobile device! As, the app seems to also require a new mobile device? During the current socioeconom…" - jacswivels
12
"support"
8 negative reviews mention this · 11% of all complaints
★★★★★ "Poor support and poor handling of account. Called support about my account I logged in and wasn’t able to access my checking account. While speaking with someone about a check clearing the account my call dropped. Meanwhile when I went in to cash check the teller tells me I’m all go…" - jzz3333
📋 All 70 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
DO NOT SIGN UP WITH CITI
They have an incredibly stupid way of setting up your credit card. Their verification does not let you activate your account and they make you wait until the mail comes in the mail.
Dark Mode
It’s difficult to use the app without a far mode. I have difficulty seeing the text with a bright background and light blue text. I need glasses of course, but even then, the glare and small light text blend together.
Ridiculous
In order to pay a balance on a loan it requires a push notification to the app. In order to get the push notification you have to close the app which closes out your pending payment. It means it’s impossible to pay your loan on the app, it’s been this way for months. This app is vibe coded garbage with clearly no true quality control
Lowered my credit because i used credit
Title says it all. Does that make sense? Perfect credit, never missed a single payment. From $5000 down to $2012 because i used my credit with other companies. I understand reducing risk but where is the risk in someone with perfect credit making 100k a year over $5000 credit? Doesnt make sense. Waste of time. Mind you i paid the yearly fee with $5000 in mind. Now i am paying double the fee for half the credit. Total rip off company
Payment due alert after paying
The payment due alert system is spamming multiple emails with emails coming even after auto pay has completed and beyond the payment due date
Td bank scam
Spier sold at $1 it’s a scam
Initial experience
I downloaded the app
When I tried to open it, it would not allow me to open it.
When I tried to accept the terms and conditions, it kept jumping back and asking me to accept terms and conditions
So right now, I cannot get into the app at all
When I tried to open it, it would not allow me to open it.
When I tried to accept the terms and conditions, it kept jumping back and asking me to accept terms and conditions
So right now, I cannot get into the app at all
Terrible first day as a Citi customer
I was forced over to Citi from Barclays with my American Airlines card. The app says I can register with my Barclays card, which doesn’t actually work. There is no chat function so I now have to waste my time calling. Definitely not a seamless transition.
Give us a dark mode icon
This app sticks out like a sore thumb on my Home Screen because it lacks a dark mode icon.
Imposible pagar Cosco
Ustedes son muy drásticos con su página digital. Complicadisima para hacer un pago.
Check images missing after update
After the latest update, i can no longer view check images in the app.
Not able to access
I haven’t been able to open the app for several months. I continue to get an error message “Our system is experiencing temporary delays. Please try again later.”
Not optimized for iPad.
Really? How many years has the iPad been out? How many many millions or is it billions does Citi make off of its cutomers and they can’t afford to create a iPad optimized version of their app? Lame
Horrible Banking
This is the worse bank I’ve ever had in my entire life. Horrible customer care, and the app is trash!
Activate your promo rate with one click
Activate your promo rate with one click What do you think of the Citi mobile app Your loan your card your way Activate your promo rate Save with fixed rate CDs Your loan your card your way Thanks for your recent call What do you think of the Citi app Uh oh looks like there’s a technical issue “Password does not meet guidelines” “Activate your promo rate”
“ Your Request Has Failed
Please note, your request has failed due to an internal error or an error with the server. Please try again later.”
“Your Request Has Failed
Please note, your request has failed due to an internal error or an error with the server. Please try again later.
“
“confirm your income and housing”
Please note, your request has failed due to an internal error or an error with the server. Please try again later.
Enjoy your card
You’re eligible for a balance transfer
“ Your Request Has Failed
Please note, your request has failed due to an internal error or an error with the server. Please try again later.”
“Your Request Has Failed
Please note, your request has failed due to an internal error or an error with the server. Please try again later.
“
“confirm your income and housing”
Please note, your request has failed due to an internal error or an error with the server. Please try again later.
Enjoy your card
You’re eligible for a balance transfer
Forgetting the past
The update’s basically forget past customers, especially those who maybe elderly, economically challenged or anyone with an older, reliable mobile device! As, the app seems to also require a new mobile device? During the current socioeconomic & financial political woes it would seem to banking institutions would be able to create solutions for app updates which would consider all clients, not just those who can afford the latest phone upgrades, which is thousands of dollars out of range for many US citizens! Why are we banking with institutions which are inconsiderate of its account holders? Some of us are long term account holders!
Too cluttered, doesn't save layout, shoes me the same product ads i've closed
As the title. I close the pane with my closed loans, but every time I go in the app it is expanded so I see my closed loans. I have to scroll past that to see more excerpt before that I have to go to a lot of product ads which I've already dismissed both literally and figuratively. No, I don't want to see your low rate CD which I also have to bring in new money to get the rate.
Overall the app is way too cluttered and I can't set it up the way I want and have it retain that over various sessions. No wonder I don't use the brokerage feature since because it's too much trouble to load each time. As a long time customer of both Citi and WF, it's obvious which app I use when I decide to place an ETF order in the middle of the night. And when other dinosaur institutions insist on paper checks, WF sent a free package fedex 2-day; I am still waiting over two weeks for basic checks I had to pay for and that also cost shipping. Yes, I do have a relationship tier. I don't know why I keep it though.
Overall the app is way too cluttered and I can't set it up the way I want and have it retain that over various sessions. No wonder I don't use the brokerage feature since because it's too much trouble to load each time. As a long time customer of both Citi and WF, it's obvious which app I use when I decide to place an ETF order in the middle of the night. And when other dinosaur institutions insist on paper checks, WF sent a free package fedex 2-day; I am still waiting over two weeks for basic checks I had to pay for and that also cost shipping. Yes, I do have a relationship tier. I don't know why I keep it though.
Poor support and poor handling of account
Called support about my account I logged in and wasn’t able to access my checking account. While speaking with someone about a check clearing the account my call dropped. Meanwhile when I went in to cash check the teller tells me I’m all good. I call back to verify my information again and they inform me they closed the account. After explaining the call dropped. I called back to verify all information correctly and accurately. I’m not perfect and not in control of technology or cellular phone service drops. Just to have my account closed by a bank that I thought was great. Very disappointed
Terrible customer service
I waited 45 minutes on the phone and nobody answered
Too many forced upgrades
Updates every week. Ui is blaocked
Got off a plane no data need app upgrade ! Two days later app update over and over
Every .single . week
Have they no understanding what this does to usage when people need quick use. ? They have to sit through yet another slow download on the road
And of course no useful feature changes are there. its the same app just getting ready for another useless update 🫤
Got off a plane no data need app upgrade ! Two days later app update over and over
Every .single . week
Have they no understanding what this does to usage when people need quick use. ? They have to sit through yet another slow download on the road
And of course no useful feature changes are there. its the same app just getting ready for another useless update 🫤
Could not open
Downloaded the app,tried to accept the terms and conditions, the app wouldn’t let me, I couldn’t sign in -- so I deleted the app
Garbage app, garbage bank
Horrible app, always freezing and no notifications. Bank is also very unhelpful but can’t blame the app programming for that.
Very poor on an iPad
This app seems to be made for the iPhone not sized for the iPad
HORRIBLE
Unreliable, hard to use, zero support for app. RUN!!!
Cannot Paste Passwords
Using an offline password management app, I typically copy and paste a complex password (which then clears from the clipboard) into the app. The latest version of this app breaks the ability to paste a password entirely making it unusable.
Please fix.
Please fix.
Doesn’t work
I’ve tried for the longest to enter the app and it gives me glitch
Poor Support quality
I don’t know where the word is going with this stupid AI answering the phone! And wasting your precious time instead of transferring the call immediately to a live agent, useless system and useless Bank
Horrible
The app never remembers your password and I have to change it every time I log in. It’s a pain in the neck to do so because there’s so many steps. trash app.
Locked me out of my account
I opened a new account, funded it, received a direct deposit, and attempted to send money with Zelle. Rather than just denying my transaction, it locked me out of my account, so now I can’t even see my money, much less use it.
I called their support line, which had rather poor quality phone technology which made it hard to understand the person on the other end, and verified my identity in multiple ways as they specified. After all of this, the individual told me that it didn’t matter that they had verified my identity because I still wouldn’t be able to access my account until I receive my card, why could be in over a week.
It is bewildering to me why you would not make this known to a customer. Why would you allow a customer to set up Zelle, verify their identity, and then be locked out of their account with no way to access it until they receive their debit card, assuming no delivery complications? This is a horrible and unfair policy. Why would you not simply prohibit Zelle set up until they receive their debit card?
I am extremely disappointed with this app and probably will not bank with Citi for much longer after this experience.
I called their support line, which had rather poor quality phone technology which made it hard to understand the person on the other end, and verified my identity in multiple ways as they specified. After all of this, the individual told me that it didn’t matter that they had verified my identity because I still wouldn’t be able to access my account until I receive my card, why could be in over a week.
It is bewildering to me why you would not make this known to a customer. Why would you allow a customer to set up Zelle, verify their identity, and then be locked out of their account with no way to access it until they receive their debit card, assuming no delivery complications? This is a horrible and unfair policy. Why would you not simply prohibit Zelle set up until they receive their debit card?
I am extremely disappointed with this app and probably will not bank with Citi for much longer after this experience.
Not helpful
Everything gotta be over the phone, I don’t want to talk to chatbots, just make simple tasks can be done online, or make it quick. Figure it out. Why I have to remember 3 answers for the security questions?
Over the AI
This thing makes so many mistake mistakes I’m just playing over it. Going back to cash.
No Current Balance on App!
Why can’t I pay online now that I have app? Why can I not find a way to pay my current balance due on the next statement? I will delete the app and hope I can get my easy access online process back…,
My App was hacked
My app was hacked. When I called Citibank, no one cared. They weren’t even phased.
Inability to transfer funds between internal accounts!
I would give less then 1 star if it would let me as I have not been able to transfer funds between my internal accounts on the app for the last 4 weeks. I have called Citibank support a total of 5 times; the result is they are working on fixing it, it seems to only be effecting some customers, they have NO estimated time frame that it will be fixed, and their suggestion is to give negative feedback which is not an answer it’s just blowing me off. This app doesn’t work properly and their tech support team is obviously inferior to other financial institutions! They are unable to fix a very commonly used feature for weeks now and don’t even have an idea when it could be fixed!
Spyware / adware
Beware: installation of this app also automatically installs and enables a browser add-on for “smarter shopping”. This vile pattern of practice must be brutally condemned.
Customer service
My credit card balance was $6500.12. I paid the balance in full on 3/27/26. Online my balance owed updated to $0. I decide to use my citi card for a beach with my family due to the 0% apr deal I currently have. I arrive to the hotel on 4/2/26 and my card declines at check for less than $2000. I contact customer service thinking it is a fraud issue because im out of stare. Turns out the customer service representative stated my payment would not post until 4/3/26. The money has already cleared my bank account on 3/31/26. I requested a manager, the representative told me “A manager won’t be able to help you.” After asking an additional 5 times I was transferred to a manager who was able to help me but I had to log into a 3rd party site to allow the manager to personally see the money was debited from my bank account. After this vacation this card will go and collect dust with the rest of the useless items in my closet.
Unreliable, not user friendly
The Citi Mobile app is one of the most frustrating banking experiences I’ve had. The interface is unintuitive and error-prone in ways that have real financial consequences.
I initiated a transfer FROM my account, and the app processed it as a transfer TO my account, the exact opposite of what I commanded. This wasn’t a minor inconvenience. The mistake overdrafted my other account, causing fees and financial stress that should never result from a simple transfer.
When a banking app can’t correctly process the direction of a fund transfer, it isn’t just a UX problem. It’s a liability. I expect basic reliability from a financial institution’s app. Citi Mobile failed that standard completely. I’ll be managing my transactions through a branch or a more dependable platform until this is fixed.
I initiated a transfer FROM my account, and the app processed it as a transfer TO my account, the exact opposite of what I commanded. This wasn’t a minor inconvenience. The mistake overdrafted my other account, causing fees and financial stress that should never result from a simple transfer.
When a banking app can’t correctly process the direction of a fund transfer, it isn’t just a UX problem. It’s a liability. I expect basic reliability from a financial institution’s app. Citi Mobile failed that standard completely. I’ll be managing my transactions through a branch or a more dependable platform until this is fixed.
Worse bank ever
Processing a lawsuit they will block your account and keep your money with no reason why, don’t be stupid be smart. After I’m done this bank will be closed
Really, no true iPad compatibility
Sad this app does actually render properly on iPad landscape.
Why won’t you take payments from my bank? Should still be able to pay wdebit card!
Citibank only takes larger banks so I can only pay over the phone? Makes no sense! I should be still able to use a debit card!
Impossible to make mobile deposits
It used to be great but now this app totally sucks!!
Besides it being terrible, there's no way of contacting REAL app support
Besides it being terrible, there's no way of contacting REAL app support
Unable to transfer money between accounts
I’m very disappointed cause I’ve been using the app for years but the last two updates messed up the transfer option. The review button won’t work so I have to call and make a transfer between accounts. I’ve deleted the app several times and reinstalled it but it didn’t solve the issue
Forces you to use a weak password
Recent updates prevent you from pasting a password into the login field. If you use a complex password (and you should), this behavior makes that extremely difficult. That will effectively force you to use a weak, easy to remember and type password instead. Citi doesn’t provide a way to notify them about problems with the app, so leaving a poor review here is the only option.
This App is Hot Garbage
The app suddenly locked me out and wouldn’t let me reset my password. It even removed FaceID which I’ve never seen before. I tried to reset the password multiple times and it wouldn’t accept anything even though it met the terms.
I called the company and they told me to uninstall and reinstall the app. I have and now can’t open the app at all it just repeats “accepts turns and agreements?”. I guess I’ll go back to using the website only? I always thought this app was so so but was fine but the fact that it could function so poorly for a financial institution makes me think I need to switch banks because they don’t seem to have a good handle on their systems.
I called the company and they told me to uninstall and reinstall the app. I have and now can’t open the app at all it just repeats “accepts turns and agreements?”. I guess I’ll go back to using the website only? I always thought this app was so so but was fine but the fact that it could function so poorly for a financial institution makes me think I need to switch banks because they don’t seem to have a good handle on their systems.
Broken
Claims my account has been closed and my login information doesn’t match what they have on file. Fix this problem immediately.
No suitable version for iPad
As a globally major bank,this APP is incompatible with Ipad,
I would give 0 star if possible
Always a glitch
Worst Bank Ever
Please, for your sanity and the love of God go with any bank, but this one. Genuinely the worst customer service I’ve ever had to experience.
Bloated carcass of an institution
Tried to add my card to my Apple wallet. Told me to call in for some reason. Went through authentication and was told they were gonna send a letter so I could complete authentication. Then they locked my card. Called back in, got through authentication and was told that they couldn’t authenticate me (?) and would have to wait for the letter.
Wildly ineffective.
Wildly ineffective.
Citi mobile
I have been trying all week to update my account and get on Citi Mobile.
+ 20 more in the clipboard copy
Sentiment summary
99%
Positive (4-5★)
1%
Neutral (3★)
1%
Negative (1-2★)