Citi Mobile® App Negative ReviewsCitibank

Citi Mobile® Negative Reviews

4.87889 star

Total 32 Negative Reviews

Citi Mobile® App Complaints & User Negative Comments 2023

Citi Mobile® app received 32 complaints, negative comments and reviews by users. Have you ever had a bad experience using Citi Mobile®? Can you share your negative thoughts about citi mobile®?

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Citi Mobile® for Negative User Reviews

On the sideline waiting to pounceBeen a customer of citiibank for years .100% on time payments. Never had any complaints. I bought a new car last week and even though I alteady had approval from my credit union, I let the begging finance dept run my credit in search of a lower rate. In his defense, he did get me a half point less with a different bank, and I already had a good rate. BUT, I had no idea those lender hits to my credit were going to cost me over $10,000 in available credit from Citibank. As if the lender hits to my credit werent enough, I guess citibank was feeling left out and wanted to take a few shots as well. Just days after buying my car, Citibank reduced my card limits to the balance owed maxing out my citibank cards and taking away over $10,000 of available credit. Nothing says I appreciate your money, loyalty, and business like a good smack down. Customer Service was no help. The guy I spoke to had never bought a car so he had no idea what I was talking about. In short, I got punished for buying a car. Im in my late 40’s , make good money, and I work hard to support my desires. This new experience with Citibank has been quite the eye opener. Thankfully my life and financial stability has nothing to do with Citibank, but be advised, if you take some hits buying a car, Citibank will stop by to join in. Cant keep me down. Better luck next time Citibank! :).Version: 9.46.0

Wow well done. Worst banking app periodAfter setting up my Home Depot consumer credit card online I downloaded the app figured it would be better then the terrible website. Man I was wrong. The website is so bad you have to tap on any field when entering information twice to get it to register so buggy supprised I didn’t see a vw logo somewhere. But the app holy cow what a pile. After making the account tried logging into the app and nope. Says something like my password is wrong... not a chance. I work at Apple my entire job is resetting passwords and helping people remember their passwords from years ago trust me I didn’t forget what I made up two minutes prior. It is also saved in the keychain just in case but your terrible app says the information provided is wrong. Have someone at you company actually use your app and try to login with iCloud Keychain and ask your self why it kicks them out of the login page back to the main menu. Deleted app after 10 minutes of trouble shooting. I will use the buggy website with its terrible interface at least it works... kinda. Can not wait to pay off my card so I can cancel it and never use your bank again not sure where all your money is going it sure isn’t to making a decent customer experience..Version: 9.24.0

Always down/bad overseas repsIt seems like every day I get “Oops at technical issue occurred” or “Oops, looks like something didn’t go as planned” on the app and website. Then customer service won’t take calls and they send you to the app and website which are always down and hang up on you. This would be a nicer app if the statement search worked right. Enter a search for a charge and it says “no results” when there are. Thus, you have to download the PDF to our computer and do a PDF search. I’ve submitted this before but it remains and issue. Also, there are too many communication problems with their overseas call centers. I asked the representative a simple question twice and twice got an answer that had nothing to do with my question. That was 10 minutes wasted. Another overseas representative gave me wrong account information that could have caused me many problems. If you get someone that doesn’t sound like they’re within the US, ask for a US representative and you will get transferred. I know this doesn’t have to do with the app itself but it sure affects the level of service provided..Version: 9.26.1

App will not transfer to external bank acctsI’ve gotten increasingly frustrated over the fact that I can not transfer to any of my external not non-Citibank accounts via the APP. I initially liked that they would let me link other accounts so that I had a dashboard where I could see all my accounts. To be sure, linking accounts for a visual dashboard is different than doing a verified linkage where you can move money back-and-forth. I have done both of those processes, but only the website will let me transfer money to my external non-Citibank account, not the app. I found it frustrating to go into the app and see my dashboard but then not be able to transfer money freely between my verified accounts, via phone app. Having to go to the website to transfer to my non-Citibank accounts is an unnecessary friction and something I have not experienced with any other banking apps. So I unlinked everything and find myself not using them very much anymore..Version: 9.35.0

Update is HorribleEDIT: unable to add payment methods in the app. I changed banks for my checking account, and I tried to add the new one in app. I first tried the non-manual way, where you log in to your bank's online banking. Got all the way to the end where you can give your account a nickname, and it would just not let me save. I also tried manually linking with routing number/checking account number, which also failed in the app. However, using the website, it worked the first time. Seriously, who is doing quality assurance on this app? ---- I thought the previous version of the app was great! If you can roll back to that version, please do. The new one is just horrendously awful. The look and feel is very bad, and much of the information that was readily available in the old version is either removed entirely or hidden, forcing you to dig for it. Truly, I cannot stress enough how much I dislike this app. You took an app I used almost every day and thought was great and made it into a one star experience..Version: 9.36.0

Worst bank app ever seriouslyI contacted city bank to ask them why online services and the app have been down for a week they literally told me they can’t do anything about it right now and they don’t know when it will work again. Then they told me to call them whenever I need something from them, like it’s the 1960’s. Seriously? Worst bank app ever. They should be ashamed. Update: here I am months later having the same issues. Not only is the app down and not working but their website is down as well meaning that this major bank currently offers no digital access to your account and you ya e to call in or go to a branch to get anything done. Wow they are truly setting a new low for banking services. I wish I could rate this app lower than one star because they don’t even deserve that. Update: another week later and I’m still unable to login to both the app and online. I called customer service which is in the Philippines and they gave me nothing but excuses for why none of their online services work. Terrible customer service and even worse app. They expect you to call them for everything like it’s the 1960s!.Version: 9.19.0

Average App, terrible serviceI have been trying to close out my account now for 6 weeks, have been told by 2 different associates that it has been closed, yet it still has not, I still receive emails as well as updates on my account that has been “closed completely” and it’s become such a burden and time waster for me to have to deal with all this. I STILL (over 6 weeks later) have to deal with trying to get this account closed after being told multiple times it was done. Moral of the story: if you ever need to close out your account/relationship with Citi, it’s likely going to result in a long, pointless, stressful, and confusing process that results in you being told you have done everything on your end and the account will be closed... but then weeks later you still have an account with them, you’re still receiving emails with all your account info, and nothing has actually been done. For something that should be a quick and easy task/process, this is extremely frustrating that it has been this time consuming and difficult to simply close an account. Truly unbelievable for a Bank of this size in my opinion.Version: 9.22.3

App could use some fixingTouch ID does not work at all (always a technical message that comes up) but it's the main issue. I am constantly having to change my password when I've used the correct password. I could be putting in the correct password everyday, then one day I do put it in correctly and it says wrong and locks my account until I reset it. Going off of that, let's say it's a new day, if I enter my password in wrong once the first time I enter it, it locks my account and requests me to make a new one. I keep my passwords in a physical notebook and everytime I change it I update my notebook so there really is no possible way for me to "forget it." This always happens more than 3/4 times a week when I'm just trying to gain access to my own information. It's not that anyone else is hacking my information, the app just does not have the best functionality. I've called to see if this could be fixed but to no avail..Version: 9.19.0

Citibank has zero control over Zelle transactions.As of late Zelle transactions are getting stuck in “processing” for weeks at a time. This isn’t the alarming issue. The real issue is that Citibank has ZERO ability to troubleshoot the transaction. They can’t cancel the transaction, they can’t process the transaction either. I don’t believe they can even see the transaction on their end. I called customer service and their resolution was to open a case with an investigation team that’s going to take up to 10 business days to occur. Here’s the kicker - the investigation will only occur if the Zelle transaction is still “processing” because if the transaction occurs before the investigation starts they’ll consider the matter closed. So now I’ll have to transfer money to my recipient a 2nd time with Venmo knowing that the Zelle transaction will inevitably go through before an investigation occurs and will have to ask my recipient to send the money back. The fact that Citibank has zero control to troubleshoot problems with a 3rd party feature they’ve provided in the app is a huge red flag..Version: 9.52.0

DO NOT OPEN SERVICE!Open and closed a checking account within an hour. Reps can not comprehend clear English, which doesn’t surprise me as I had to request multiple transfers due to most reps where international and where not fluent in English, causing way more issues than it should have been. If a customer is choosing English as their preferred(as an example) then they expect a rep that understands fluent English and not have to expect to be ask the same question or to confirm the same thing over and over because they do not understand what is being said when the call is crystal clear. (which in general I don’t care what language you speak but should be fluid in whatever language you are providing service in). Can not even get a direct deposit slip to print out for employer for payroll. Have to wait days just to get a direct deposit slip with bank information on it to turn in, which is dumb being that any bank I have opened services with provided it immediately for print out. I’ll stick with Wells Fargo. I have never open and closed an account that fast in my life. Then have to wait almost two weeks to get my deposit back by check when you had no issue pulling it from my card immediately.Version: 9.41.2

No longer supported for IPadThis was the first time I used this app to pay bills. So I paid some bills and the next day went online to check if they were paid. I discovered that the money was still in the checking account and the bills were not paid. After looking into it by using my computer now I found that the app was trying to pay my bills from a checking account I keep as a back up with very little money in it and of course not enough to pay the bills I wanted to pay. I then found out that my app did not ask me which account I want the money to come from so it chose the wrong one. I finally called customer service. I was asked device I was using and when I told them an iPad I was informed that they are no longer supporting the iPad on the app only the iphone 🤔. I asked why because an iPad is larger and easier for older people to see but they really didn’t know why. I was told that if I wanted to use the iPad I would have to use the full version on the iPad not the app. That is why I wasn’t given an option where to take the money from. You would think that Citibank would send a notice out or post it on their website that they no longer support iPads. They sure do bombard you with advertisements to increase you credit line, cash advances, applying for another credit card but not this. They are the worst..Version: 9.17.1

Won’t let me deposit!I’ve loved this app for years, but lately the mobile deposit feature is super glitchy. 9 out of 10 times I get a message that the amount I’m entering is not what is written on the check. Uh, yeah it is. Then after trying multiple times it tells me I can keep trying, go to a Citi Branch or ATM (no I can’t because there are barely any branches and I don’t live near them) or I can mail in my deposit. Are you serious? Mail it? Through the post office? That would take days! I need my money available now. What a terrible suggestion. Normally if I just wait it out and try again later in the day it will let me deposit it. Super annoying, but doable. However today after trying at different times of the day it still is not letting me. I tried chatting with Amie through the app. She also suggested mailing it. No no no. Tell your people to stop saying that. That’s why we have apps and we shop online. Then she said to try uninstalling the app and reinstalling it. Didn’t work. The app is glitchy!!!! Please fix it!!! I don’t want the hassle of switching banks, but if I can’t deposit my checks without major inconvenience I’m going to have to go local. I have loved this app but it’s not working!!! Have you noticed that even though you have a 4.9 average review, the majority of the recent reviews are super low. Please figure out how to not make the updates mega stinky!!!!!!.Version: 9.24.0

What is wrong with this company????I am trying my HARDEST to make my second payment through this app and NOTHING I do works. Now I’m locked out of the account because they claim the information does not match! I called the Citibank customer service number and the lady could NOT seem to understand the fact that I wanted to pay well above my minimum payment. She kept trying to make my April AND May payment!!! I could not help but think that this COMPANY doesn’t care about their customers as they refuse to allow you to speak to a real person without tirelessly insisting through an automated idiot. Then, I FINALLY get to talk to a human and the HUMAN can’t understand that I HAD NO INTENTION of paying anything towards MAY?? This card is zero percent interest for 18 months. I get it. You want us to pay the minimum for the rest of our lives but I JUST WANTED ACCESS TO MY ACCOUNT and now that FOOL posted it as a split payment for April AND MAY!!!! I need this fixed for the love of ICE CREAM! I need to seeeeee my account and handle this as I am now realizing that the app and the people tasked with handling my personal information are completely unqualified to do so!.Version: 9.26.1

How can they be so good and supportive and how inflexible and unhelpful at the same time?!I’m a huge fan of CITI for the last few year and highly spoke of their service between my friends and family. As one time I was in Ireland and needed assistance with insurance with specific letters requested by the rental, Citi stepped up and helped me in minutes over international calling. I was genuinely impressed. 2 years fast forward, I wanted to get my rewards after 1 year of wait period. They suggested I should call closer to my rewards statement date and they can hep me with it. Today I called to do so as I got closer to the date and turns out, they don’t do that. Regardless of the situation I’m in(had to move out of the country because of COVID) and they aren’t willing to give me my own rewards money as a statement credit. I’m not even asking for a deposit to my account or anything like how AMEX does the way you want it. They said they might do it maybe in Nov/Dec of the year. That’s about 20 months in total to get your own money. How are they so rigid to get the customers own money. Maybe I’m overreacting but I’m genuinely disappointed in how inflexible they are with their terms in these unfortunate situations..Version: 9.35.0

I’m shockedThis has to be the worst experience that I’ve ever experienced with a bank. Seriously. I’ve been with BOA for years and thought I’d switch it up to see what other banks offer, but after this I think I’ll stay where I’m at. From the consistent technical issues with the app to the incompetent customer service. I can’t deal with this. I set up direct deposit to have my direct deposit set up from my job and for some reason the account or routing number wasn’t recognized and caused me to have a paper check sent to me, which I had to wait on. I called to see what went wrong, and got different answers each time. There has been multiple technical issues since I’ve opened an account, and I call multiple times just to see if everyone is on the same page, and I get different answers each time. They really need to hire a proficient IT team because whoever is running this operation is totally off. I’ll stay with BOA where I know customer service is superior, and they rarely ever have technical issues for the years I’ve been dealing with them..Version: 9.47.0

Horrible systemI've run into issue after issue with this bank. I use other banks and Citi's system is horrible. It's worse than a credit union but yet they charge you. They cannot verify you if you don't have the physical debit card on you which is the easiest thing to have stolen or lost. There are infinite other ways to identify someone and someone having my physical card is one of the worst ways to verify that it is in fact me. Also I was sent checks when I opened my account and they have all been getting rejected because I had to "call to activate that feature" which was not mentioned anywhere! At least when I get a new credit card or states on it "you need to activate this card" so I'm not stupid enough to use it before activating it. So why would they not mention that with my checks? Or why send me a checkbook if they aren't approved for my checking account?? Yes maybe I could learn every aspect of their system but I have a life to live and if isn't my job to learn their stupid process. I don't want to bank with someone that expects me to make their policies the center of my life and study. I want to not think about it so that I can focus on my life. All the newer banks make it simple and easy. I will rejoice when citi fails because they should disappear so the better banks with better policies and procedures can fully thrive..Version: 9.55.2

Suddenly Face Recognition Problem on iPad Pro 11I have used the Citi Mobile app with no problem on both my iPhone and iPad Pro for years with no problems. Suddenly, the Face Recognition has stopped working. I was able to get the iPhone working on Face Recognition again by logging-in with password and re-activating the Face Recognition in the app. Unfortunately, doing the same on the iPad Pro, although I re-activated the Face Recognition in my profile and thought it would then work, does not after logging out and attempting to use Face Recognition to log back in. After using the password to log in, the app shows that Face Recognition is not activated. I’ve activated now 4 times, and each time it looks like it is active until I log out. The sign-in screen has the Face Recognition icon, but when I attempt to log in it says that it’s having “technical difficulties” and to try later. NOT ACCEPTABLE. I do almost all my banking on my iPad Pro. I’ve only had this problem with CITI. Not with Chase, Bank of America, AMEX, BECU, Scotiabank or any other of my bank apps. It’s puzzling to me that the fix was easy on iPhone, but not on the iPad. I have the most recent app update and iPad OS..Version: 9.51.0

Let me login!!!It seems like every other time I try to login I get the red bar at top saying they are having technical issues. I can’t even get the snapshot you are supposed to get without logging in. This happens ALL the time. The times I don’t get the red bar it says my account is locked because of password problems. This is before I even try to login. So I go through the process of “unlocking” it by putting my whole card number in, putting the last for of my SS, only to use the exact same password. Then I find out even though it says it is locked, if you just wait a little bit (sometimes 5 minutes sometimes 24 hours) you can put your password in again without having to “unlock” it. It seems as though they don’t want you to be able to login very often. They are probably hoping you forget and then get charged the interest because I always pay it off the second there is a charge on there. There should be a way to pay off the balance every time there is one. I’m not talking about autopay once a month, I want as soon as a charge shows up, the next business days it is paid off. This way i don’t have to do a large lump sum at the end of each month. At minimum I want to be able to login when I want to, not when they want me to. If this card wasn’t attached to Costco I would have canceled it awhile ago..Version: 9.18.0

Unable to Stop Savings Goal TransfersOver the summer I set up savings goal transfer weekly to automatically move money from my checking account to my savings account, I was able to change the payment amount and frequency with ease. The past few weeks I have been searching for the option on the Citi Mobile App to stop these Savings Goal Transfers BUT the accessibility and edit/cancel options have been taken away since the summer. The app presented the message which told me to go to the Citi online banking via the website to edit/cancel this transfer. On the Citibank website it tells me that since I set up the transfers on the Citi mobile app I can only make changes to my transfers there. What kind of programming is this?? Both of these platforms are sending me to the other place and I STILL don’t have control over my finances. Poor programming results in me spending an hour on the phone with customer service when I could’ve easily changed the transfers myself if I had the ability through the Citi online banking platforms. PLEASE FIX THIS!!.Version: 9.11.0

My app just quit working one dayI have used the app for many years on my iPhone SE with no problems, then one day every time I tried signing on I received an error that Citi Bank was having technical issues and try back later. This went on for four days! I called Citi and was on hold for 50 minutes, finally they answered and said they inadvertently deleted some files in multiple accounts, not just mine, and this caused the issue. Instead of saying my sign on and password are incorrect when I tried logging on because of the deleted files, they elected to say that they had technical issues which in my mind means files are ok just computer hardware issues . After over two hours of working on this issue and re-entering all my info, I noticed that my thumb print capability was gone. I had to sign on with the password, not only that, Citi insisted on calling with the password, text was not an option. What a pain, really! Finally, the next day, I decided to delete the app and reinstall. Guess what, I got my thumb print capability back for sign on. Talking about a waste of time. I don’t have any of these issues with three other major banks which I use. Disappointed!.Version: 9.38.0

This app needs to be rebuiltThis app has the most confusing layout and unintuitive user experience. I feel like this was built by 20 managers and 20 different silod engineering teams. The error messages are vague, the app always feels like it’s 1 step from falling apart, and god forbid you try to figure out how to do a simple action like setting up reoccurring transfers. It took me forever to set up reoccurring transfers and then I kept getting emails at odd times (no where close to my transfer date) about a transfer pending. Of course this money could cause my account to over draft if it’s not near payday so this is alarming. Good luck trying to figure out what’s going on because this menu is buried deep within 20 submenus that aren’t intuitive. I had to perform a brute force search just to find it. Even then when you get to the page it’s extremely unintuitive to cancel or modify reoccurring transfers. This app was built as if someone took a user experience course and decided to do the complete opposite of what they learned. If I could get the same APR somewhere else I would drop this app/account within a heartbeat.Version: 9.46.0

Customer serviceI don’t have to contact customer support too often (have been a customer for years), but when I did always had fast, courteous service by someone who can understand me and I can understand them. Called today and the automated system couldn’t locate my account using my phone number or account number by touch or voice. Called through use of this app. I was then put on hold saying I would get a representative. No hold music, etc just occasionally saying reps were busy, please hold. After 10 plus minutes a representative came on. From India. Nothing against India or the people, but hard to communicate for both of us. I asked where the call center was located, to be sure, in India. Have had some glitches logging on to this app today also. I am hoping that Citibank is just having problems with their system and has not gone to using a call center located in India. It is too difficult to communicate and especially with my financial information it makes me uncomfortable..Version: 9.47.0

You’re gonna regret it.I have 10+ cards, every one of them is better than my citi card. I cringe when I need any assistance from them. I’ve had my citi card for 6+ years, only once recently have I ever had a positive experience seeking help from a representative. However I’m not sure about the outcome of the assistance. I needed to shut off recurring payments, but it looks as if my account has been closed as well. This is probably the best outcome. I should be upset, but citi shows zero courtesy, makes every task impossible and offers absolutely no incentive to continue with the toxic relationship. When they send the new card I won’t be activating it. During the 6yrs I’ve had this card, I’ve received 4 spontaneous credit increases from other cards. Out of curiosity I requested one from citi and was actually denied. 😂 my credit score is 740 and I have a higher limit with every other card I have, I don’t need an increase. But it says a lot about citi in general. They requested I take a brief survey and the one time I did and took the time to tell them how I felt after typing it all out I hit submit only to be told survey time length has expired. 😳Seriously, choose any other card, it’s bound to be better than citi. Don’t make the same mistake I did. Or you’re gonna regret it. I do. 🤷🏽‍♀️.Version: 9.55.0

Activate Card - only if you’re a new customer.If you already have an account with citibank there is no way to activate a new card in the mobile app. They made a big deal out of the ability to take a photo of your card to activate it, but that’s only during the “Register” process. If you are already registered and want to activate a new card after signing into the app, you’re out of luck. Maybe try signing out and clicking Register again? Take a pic of your card and it forces you to create a new account even though it sees you already have an account. It just won’t allow you to continue when selecting your existing account. Is anyone test this banking app? I was hesitant to use mobile banking apps for a long time, and this is exactly the reason why. If they can’t get something as basic as card activation right on a mobile app, how am I supposed to trust them with the security of my accounts?.Version: 9.3.0

Terrible New App. !I Agree with The Guy who says this is the Worst App. I have Had a Citi Credit Card For YEAR’S and always had No problem signing in with the old app. to Check my Balance. Now, every time I try to sign in using my password they want me to register ALL Of My Bank Accounts with other Other Bank’s, With Is None Of Their Business, to consolidate everything, or Open a Checking Account with them or call them. I Can’t Call then at 10:00 at night and I am NOT Going To Give Them My Account Numbers from my other Banks OR Open a Checking Account With Them. As Much Money as I Have Paid Them through the Years, they Should Not Give Me or Anyone a Problem about getting a Balance on My Credit Card! Totally Ridiculous! I am going to pay this card off Fast and Probably Close the Account, I am So Upset. I have tried to get into this App for over a Month and I am Tired of the Run Around! You Should Not be Forced to Open up a Checking Account with them or give them your other bank accounts Just To Check Your Balance on Your Citi Credit Card!.Version: 9.26.0

App has become unusableI am not sure what happened but after upgrading to an XS Max, I have had no end of problems. Facial recognition stopped working after the last update, and now, the app will stop allowing me to sign in every week or so. I can go to the computer and sign in. When I do that, I get a message that Citibank has determined that there was a suspicious sign-in attempt (me- trying to sign in on my iPhone app)- forcing me to change my password. Once I do that, the app works for a week and then the cycle of inability to sign in, going to computer and having to change my password starts all over. Worse was when the app lost $500 that I was transferring between accounts. Money came out of my checking account instantly but did not get credited to charge account. Took many phone calls (checking account staff can’t see charge account and vice versa- and they cannot talk to each other). Took over a month to get my money back. As a result, I will only transfer money between accounts at the bank. The irony is that every time I do that, Citibank sends me an email telling me I should make the transaction through the app..Version: 9.17.1

Well designed app, if you want a company to spam you constantly.Typically, when you download a banking app, you enter information to help you with data recovery or account access, to help them confirm that you are you. Unfortunately, this app takes it too far. They gather this information, like your phone number, and pass it on to their call center minions to call you... several times a day. I thought adding in my number would be good... they could call me to alert me of potential fraud. Yay, great! Well, not really. Fraud alert! Citi is using your numbers to spam call you. Literally have had 13 calls, since Sunday (today is Thursday 08:00). I'm sorry, but that is ridiculous. Then, they hang up when I answer, or when I ask them to remove me from their list. I even went into my app and deleted any optional information. They don't even have any opt-out options, or a place to mark that you don't want to be contacted & that the number is only to contact you in case there is a potentially fraudulent charges. So if you given them any info, just know they're using it..Version: 9.15.0

WORST CREDIT CARD EVER!!!I have had a credit card with citibank for over 2 years now and i was very excited and happy they gave me the oppurtunity to open a credit card with them and to prove my worthiness! Well, since then i have NEVER been late (not even once!) and i have ALWAYS paid well over the amount due each month, sometimes the full amount total! So last year they dropped my limit down, which i did aquire a loan for a newer car so i figured after some time, i can show them that i can still afford to have their credit card! So i went to make a purchase tonight and seen that they dropped it down again!!! During all this covid crap i lost a lot of hours and money at my job but i still paid them every month on time plus extra and did not ask them to help n any way! So for a company to say theyre there to help and all they do is kick while your down is just downright pathetic with absolutely zero morals who does not care about the people making them money!!! Thanks Citibank! Shannon.Version: 9.35.0

Not very intuitiveThe interface isn’t very intuitive and the user optimization is disappointing. I use keybind shortcuts for my email addresses, and when I used it to create my account Citi’s system added the keybind “em1” to the front my my email. It didn’t let me use the password I wanted, instead forced me to add these superfluous special characters (I get why one might *think* that improves security, but in actuality it’s just a hassle and makes passwords harder to remember. Length is what’s important not being forced to use a capital, number, and special character). After registering my new card on mobile, I wanted to log in online (via computer not mobile) because I couldn’t find the features I wanted on the mobile app but it told me that my login credentials were only for mobile, and that I am forced to open a checking account to use the computer features. I tried to create a checking account, which isn’t what I want, and it’s not even letting me do that now. Not sure if I’m just a one-off unlucky customer or what, but this isn’t exactly a smooth experience as of now..Version: 9.24.0

They will make payments without your authIf you use this app to make payments DO NOT allow it to save your bank account information. On 6/12 they withdrew $100 from my bank account. I had $70 in my account to cover a $50 check I wrote and for groceries, until they decided to pay themselves. My payment was not even close to due. They so far cost me $32 in overdraft fees with more to come when my $50 check doesn’t clear. I immediately contacted them through the chat feature on the app. It was unbelievably frustrating. I am pretty sure I was chatting with a robot. They insisted I made the payment myself. Then they offered to return it. I said yes. After a couple days of them asking me to confirm I want a refund and me doing that they claim they finally processed it but it would be 5 business days before it was retuned. This started on the 12th. It is now the 22nd and they still have not returned my payment. They are worse than B of A and if this app is going to steal your money and you’re ok with that go ahead and download it. Otherwise I would stay away..Version: 9.6.0

Good until you have to replace your cardI loved everything about this app until it started acting up a few weeks ago. I couldn’t login and I kept getting an error message every time I tried. It turns out that, when you have to get your lost or stolen card replaced, the app doesn’t delete your old card info and that eventually corrupts your account indefinitely. You have to delete the app, create a completely new login (because the old login is now corrupt), and re-register your new card. After speaking to a representative, I found out you have to do this EVERY TIME you have to have your card replaced. Super annoying and inconvenient. Especially since my new card arrived MONTHS ago and it only now started acting up? I didn’t receive any type of information that something like this could happen. The associate I spoke with over the phone to try and clear this up was also quite rude. Aside from that, the app is fine, but CapitalOne is definitely better all around..Version: 9.31.0

Omg worst app ux ever for account / card setupOmg. I am beyond frustrated. Got a new Citi card and tried to download their app to register my card and hopefully make payments in the future but what a fail. The UX on this app is, not exaggerating, the worst of any app I’ve ever used. I first tried on my phone but every single page, the questions they ask you require keyboard typing and then the keyboard covers the submit or next button. If I swipe up to see the submit button, I can’t click it because I’m swiping, and then if I let go, submit disappears behind the keyboard again. No way to minimize the keyboard that I can find. Only option I CAN click is CANCEL on the top right. Why couldn’t they put NEXT / SUBMIT on the top right? So I thought, maybe my iPhone is too small and it’ll work on my iPad. Nope, even worse there. Was unable to complete the steps to set up my card and it won’t let me do anything but exit since I can’t answer the setup questions. Guess I’ll only be paying this one on the computer until they fix this crappy app so it works with iPhones and iPads..Version: 9.53.0

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