Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Citi Mobile®

65
User verdict / 100 High confidence Divided

The Citi Mobile app is generally praised for its ease of use and navigation for basic banking tasks, but recent reviews highlight significant issues with account activation, login, and customer service, often leading to frustration and inability to access funds.

4.9★ lifetime (3,983,873) Free to download since 2009 by Citibank, N.A. updated 0.7 mo ago recent negative 17% 120 reviews across 1 regions
Basic Functionality & Ease of Use Account Activation & Setup Customer Service Login & Performance Account Management Issues
5★184
4★15
3★8
2★7
1★36
recent reviews across 1 regions, vs the 4.9★ lifetime average

The Citi Mobile app receives high marks for its user-friendly interface and efficiency in managing existing accounts, allowing quick checks of charges and payments. However, a notable portion of recent feedback points to severe problems with initial card activation, persistent login failures, and unhelpful customer support, which can prevent users from accessing their accounts or resolving critical issues.

What users like

  • Easy to use for checking charges and making paymentsR1R10R30R34
  • Intuitive and user-friendly interfaceR9R11R12R17
  • Provides quick access to account information and transaction detailsR10R18R32R34
  • Effective for dispute resolution and secure transactionsR22R24R41R49

What users complain about

  • Difficulty activating new cards and setting up accountsR3R44R95R28
  • Frequent login issues and app hanging/freezingR8R59R145R152
  • Poor customer service and difficulty reaching human supportR3R65R97R140
  • Issues with accepting terms and conditions, leading to app inaccessibilityR44R47R114R199
  • Inability to paste passwords in iOS, hindering secure password usageR61R141R175
  • App not displaying up-to-date transactions or running balancesR5R123R224
  • Random account restrictions, credit limit reductions, or funds withholdingR14R87R94R159

Latest update · v9.96.0

What the developer says changed (the verdict above weighs this against what reviewers report):

Thanks for using the Citi Mobile® App! To give you the best experience, we’re constantly improving our app. This update also includes various bug fixes and performance improvements.

Recurring themes

Account Activation & Setup negative
Many users report significant difficulties activating new credit cards, setting up new accounts, or even accepting terms and conditions within the app. This often results in a 'catch-22' situation where they cannot proceed without activation, but the app or support systems prevent it. The developer's notes mention bug fixes, but these specific issues persist.R3R44R95R28
Login & Performance negative
A frequent complaint is the app hanging, freezing, or failing to allow users to log in, sometimes before credentials can even be entered. Users also report issues with password managers not integrating correctly, making secure password entry difficult. This contradicts the developer's claim of 'performance improvements'.R8R59R125R145
Customer Service negative
Numerous reviews criticize Citibank's customer service, citing long hold times, agents hanging up, being transferred multiple times, and an inability to resolve issues, particularly for complex problems like card activation or account restrictions. Users feel it's impossible to reach a human.R3R65R97R107
Basic Functionality & Ease of Use positive
Many users find the app excellent for routine tasks such as checking balances, viewing transactions, making payments, and managing existing credit cards. They describe it as intuitive, easy to navigate, and efficient for day-to-day banking needs.R1R2R9R10
Account Management Issues negative
Users report issues like transactions not updating, inability to filter or search transactions, missing running balances, and unexpected account restrictions or credit limit reductions without warning. Some even claim funds were withheld or accounts closed without proper verification.R5R14R37R87

Who it's for

This app is for existing Citibank customers who primarily need to perform basic tasks like checking balances, making payments, and viewing transaction history R1R10R34. It may not be suitable for new customers attempting to activate cards or set up accounts, or for anyone who anticipates needing frequent customer support for complex issues R3R28R140.

Evidence note: The recent reviews skew heavily negative, focusing on critical issues like activation and login problems, which contrasts sharply with the high lifetime rating. While many positive reviews praise basic functionality, the negative feedback highlights fundamental accessibility and support failures that appear to be recent or recurring despite updates. The developer's notes are vague and don't specifically address the core complaints of login failures or activation issues.

Frequently asked

Can I activate a new Costco Visa card using the Citi Mobile app?
Many recent users report significant difficulty activating new Costco Visa cards through the Citi Mobile app, often encountering errors, 'catch-22' situations, or an inability to reach human support for assistance R3R28R97.
Does the app have login issues?
Yes, a notable number of recent reviews indicate the app frequently hangs, freezes, or fails to allow users to log in, sometimes before credentials can be entered, making it impossible to access accounts R8R145R204.
Is customer service helpful for app issues?
Recent reviews suggest customer service is often unhelpful, with users reporting long hold times, agents hanging up, multiple transfers, and an inability to resolve issues like card activation or account access problems R3R140R206.
Can I paste passwords in the iOS app?
Several users report that the Citi Mobile app for iOS does not allow pasting passwords, making it difficult to use secure, generated passwords from a password manager R61R141R175.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] 5/5 · US User friendly: This app is so easy to use when checking charges or making payments. It only takes a minute to complete the task.
  2. [R10] 5/5 · US AA Citi made Easy: Using the app to see up to date statements to payments. Love it
  3. [R30] 5/5 · US Citibank: Love using the app, easy bill pay!
  4. [R34] 5/5 · US Great app: Using the Citi mobile app is so easy and the best thing is they show you everything about your account in one place
  5. [R9] 5/5 · US Easy and Quick: This card’s useage is easy to use and user friendly. The associated app is secure and intuitive; thank you for this.
  6. [R11] 5/5 · US So Easy to use: I like it logical and intuitive. Functional it just seem right and I can bank with consistency .
  7. [R12] 5/5 · US My App: The Citi bank app is great easy to understand.
  8. [R17] 5/5 · US Access: It’s so user friendly
  9. [R18] 5/5 · US An app worth downloading: Easy to use right at your finger tips. I'm able to do all the things I need on the app without having to go on a computer.
  10. [R32] 5/5 · US Seamless access to accounts: Excellent app is up for access without any issues. Well organized to see charges and payments.
  11. [R22] 5/5 · US good service regarding dispute: I had a pretty simple dispute on something that has been canceled and I expected it to take weeks and weeks to resolve. It was resolved very timely. I’ve always think had to disputes and all the years, but I got great service.
  12. [R24] 5/5 · US Perks: Easy to use. Contested items quickly resolved. Accurate & legible.
  13. [R41] 5/5 · US Very safe!!: I am traveling to Peru & Cuzco; I had been using my Citi- Mobile app to make sure my transactions are being handled properly; I feel very safe, it is so convenience and I am not worry about scans or having too much cash on my pocket.
  14. [R49] 5/5 · US I love Citi Bank credit card: Very safe and very nice service
  15. [R3] 1/5 · US No way to reach a human: It is impossible to activate a costco visa card. No way to reach a human via phone or web. AI hell says 'this card is not activated'. Uh huh we are TRYING to activate it. Then it hangs up. Then try to book a phone call. None available ever in WA (home of costco). Can't create mobile account to activate card because we can't activate the card. Catch 22. AVOID !!!!
  16. [R44] 3/5 · US Starting Out: I just downloaded the app to activate a credit card. Every button leads back to the starting page. And the terms and conditions keep closing after 1 second. How am I supposed to read the terms and conditions, or accept them, if the page closes before I can read anything? Very strange. Giving it 3 stars because I’ve barely experienced the app and other people seem to like it, but th
  17. [R95] 3/5 · US Account setup issues: It is really difficult to set up a new credit card account. It is not intuitive at all and the app was slow and not responsive.
  18. [R28] 1/5 · US Horrible: I’ve never had so many issues with a bank provider ever in my life. It took me forever to receive my first card (that I needed to register my account) and once I finally received my card, my first purchase attempt was blocked and my card became locked. Now after attempting to verify my card, it’s asking me verification questions I had never setup before. Mind you, I had just setup the ac
  19. [R8] 3/5 · US Hang time: The app is great when I can get in. Most of the time, 90% or more, it just hangs when I try to get in - this is before I can even input my credentials. This is the only app that does that for me. I get the latest updates but nothing changes. So I always have to go through a browser which tries to send me back through the app. Really frustrating
  20. [R59] 2/5 · US Login screen: Can’t get type pad to clear so I can hit “sign in” button.
  21. [R145] 1/5 · US Useless: Will not accept login information, yet login works fine on the website.
  22. [R152] 2/5 · US Unpassable Passwords: I’m trying to use my phone to logon. I save all the passwords. I’ve even changed a different names and given them all passwords and all been saved and Citi doesn’t like any of them. I forgot password go through the whole thing. Citi doesn’t like it either they save it. It saves it but they don’t like it and then they say it’s not saved so this is only been day three so kind o
  23. [R65] 1/5 · US Do not use citi: Citi is by far the worst credit card company It is impossible to get a definitive answer from their customer service team. Not knowledgeable on their products. They also randomly flag your account as fraud. Had this happen before I even got my card.
  24. [R97] 1/5 · US Costco credit card horrible experience: Absolute trash security verification practices, I got my Costco card and activated it, tried to add it to Apple Pay only for it to tell me I need to call to verify my identity. Sure, after being on hold for 30 minutes, I got someone who couldn’t send me a one time password to my registered phone number, insisting I give an alternative number. How is this mor
  25. [R140] 1/5 · US They don’t care about you: Got a problem? Call support. Wait for 20 minutes. They’ll just hang up without talking to you. Call again and you’ll get the same. If you’re lucky, you’ll be routed to someone in India and they’ll lie about why you were hung up on. Oh, and, they need to call you from another number so they can pad their support stats. Citi is awful. Find another provider
  26. [R47] 1/5 · US Mobile app not accessible: Click accept to create new account access & keeps going blank.
  27. [R114] 1/5 · US Catch 22: I just downloaded the app to my I phone. Next I get a screen that says to use the app one must accept the terms and conditions. I click on the link and the terms flash briefly on my screen, or at least some do and then disappear. After this has happened several times I give up and just click accept. But apparently I cannot accept without evidence that I have read the terms and conditi
  28. [R199] 1/5 · US Unhappy!: It’s awful! It doesn’t let me accept the conditions to move on! It gives you a second to read it and bounces back!
  29. [R61] 1/5 · US I just got this card and cannot create an account in the app: It does NOT allow me to cut then paste into the app. I use Apple to create passwords and I cannot cut then paste the password. Ugh!!!!
  30. [R141] 2/5 · US Not correctly integrated with password manager: They put a lot into this app yet when it is time to update your password it’s an incredible pain because it doesn’t completely integrate with Apples password manager. Try it… it asks for second password entry to confirm. FIX IT!!!
  31. [R175] 1/5 · US can't paste passwords in iOS: can't paste passwords in iOS, which makes it very difficult to use secure passwords
  32. [R5] 2/5 · US Filter/Search for transactions: This feature is not working anymore.
  33. [R123] 2/5 · US Something is wrong with the app lately: It’s not showing all my transactions up to date anymore. I transferred money from my savings to my checking before making a purchase. I made the purchase, app said my checking account was overdrawn. I waited a couple of days and then transferred the money again from my savings to my checking since there was no record of the transaction in my app. This is una
  34. [R224] 3/5 · US Request for balances: Can you please show the running total under every transaction so we can see the running balance? It’s hard to tell when a payment is posted early since there is no balance listed or see if it’s being added up correctly or to see current balances. It would be so helpful to balance the transaction and credits. Thank you!
  35. [R14] 1/5 · US Money: Will steal or withhold money for no reason, and will withhold FEDERAL money/ deposits like VA funds
  36. [R87] 1/5 · US Company policy needs improvement on credit availability: People be warned…. This bank will randomly reduce your credit limit. Never late payments, never over limit , always paid more than min. but my limit dropped with NO warning from $6600 to $1100. They reduced over $5000 Credit available I PAID THE BALANCE OFF THAT WEEK. They can’t have my business anymore.
  37. [R94] 1/5 · US Bad bank bad app: The app is okay. The bank behind the app is not good. Paid early accidentally and got charged a fee because I didn’t have enough funds on my savings. I simply needed to move funds and I called to try to solve the issue but they couldn’t and wouldn’t help. Although I paid early, I was still charged a fee. They claimed they would waive the fee after the statement closed, but then a
  38. [R159] 1/5 · US Little, if any, communication: I would appreciate being notified that my credit card was not being accepted before I tried to make a purchase. Please send me a final bill so I can pay any balance due so I can cancel my card. I’m very disappointed with the way Citi approves charges before cancelling them. I want nothing to do with unreliable service or nonservice! K. O’Connell
  39. [R125] 1/5 · US Irritated: This app has not worked in over a month. It keeps saying it is having technical difficulties. Even the website won’t allow you to log in. Highly disappointed, and a huge hassle to have to call to pay a bill. Please fix it.
  40. [R107] 1/5 · US Bugs: App has bugs disputing charges. Won’t let you select card in possession and you have to call customer service which has long hold periods
  41. [R2] 5/5 · US CITI MOBILE/FANTASTIC: I have never had a problem with CITI!!! LOVE THE APP VERY MUCH!!! Carolyn K SNEDEKER
  42. [R37] 1/5 · US Credit card selection: My credit card selection is gone after updating the new app
  43. [R204] 1/5 · US HORRIBLE: if I could give this zero stars I would. This app NEVER lets me log in. I have to log into my account on a browser to make payments because this app never works. 0 stars! 👎
  44. [R206] 1/5 · US Horrendous customer service: Once again transferred between Four different call center agents. All offshore. And had to transfer each time and re-verify each time.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store