Citi Bank Review 2025. All You Need to Know

Written by Joe Chappius

- Nov 27, 2025

Adheres to
Reviewed by Ricardo Laizo

Citi delivers a solid banking experience with comprehensive products for different customer segments.

Their premium Citigold service offers excellent perks and fee waivers, though standard accounts have typical fees.

Their digital capabilities are strong, but customer service quality seems inconsistent. Best suited for those who can maintain higher balances to maximize benefits and minimize fees.

  • Global Presence and Accessibility: Citibank operates in numerous countries worldwide with a vast network of branches and ATMs, with US customers having access to over 65,000 fee-free ATMs nationwide.

  • Comprehensive Digital Banking: They offer robust online banking and a well-developed mobile app (Citi Mobile®) that allows customers to manage accounts, deposit checks, transfer funds, pay bills, and more.

  • Diverse Account Options and Relationship Tiers: The bank provides various account packages to suit different financial needs, from basic checking accounts to premium services like Citigold and Citigold Private Client.

This company is not recommended

We would just like to make you aware that Citi is not verified Financer partner. Consider other top options below.

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How Citi compares - Financer Score

Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.

Financer Score™51

Pricing

60

Citi offers average above average rates on banking products. While they provide competitive APRs on credit cards, their savings rates are not industry-leading. Various account fees apply, though these can be waived in premium relationships

Customer Support

60

Reviews indicate mixed experiences with Citi's customer service. They offer multiple contact channels, but response times can vary. Some customers report difficulty resolving complex issues, while others praise their dedicated relationship managers.

Terms and Flexibility

80

Citi provides clear terms for their products with detailed documentation. Their terms are transparent but can be lengthy. They offer flexibility with payment due dates and various account options, along with solid digital banking features.

Popularity

35

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

Customers frequently report frustrating experiences with customer service, particularly regarding dispute resolution and fraud claims. Common complaints include lengthy hold times, difficulty reaching human representatives, and inconsistent responses

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Upsides

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Downsides

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