Citi's next-generation, award-winning online banking platform CitiDirect® provides one-click access to global transaction capabilities using an intuitive and user-centric workflow.
The CitiDirect experience is designed to help users manage accounts, payments, receivables, liquidity, trade, foreign exchange, and global reporting, and supports numerous transaction types across multiple geographies, subsidiaries, and currencies. CitiDirect helps streamline local banking activities by providing direct access via an intuitive and user-friendly interface at a global scale.
With the latest technology powering our login methods, utilizing CitiDirect Mobile Token, you can easily and securely authenticate your identity and log into CitiDirect on your computer. Setup is simple and login is convenient. Learn More Here. Alternatively, you can log into the CitiDirect App via Biometric authentication - using the fingerprint or facial recognition features built in to your mobile device. It’s simple to set up, and it’s fast, secure and intuitive to use.
CitiDirect is fully integrated with Citi’s premier connectivity solution, CitiConnect®. The two solutions are designed to work together and provide consistent interoperability and security, while the increased visibility and control helps our clients optimize their working capital and cash management strategies across Citi’s global footprint. Providing a direct connection to Citi from a treasury workstation or Enterprise Resource Planning ERP, CitiConnect simplifies and speeds bank integration, and supports the exchange of messages and files for Citi Treasury and Trade Solutions in 90+ countries and 135+ currencies.
This global exposure gives Citi distinctive knowledge of local markets. Since each organization’s available resources and technical requirements for a bank connectivity solution are different, Citi offers multiple options in an effort to ensure that every client can connect, control and access information on their terms.
New bank integration needs are emerging as our clients expand into new markets, consolidate information channels and achieve economies of scale through the centralization of treasury operations. These evolving demands are creating a need for a global solution that simplifies bank integration and provides greater visibility, real-time access to information for decision making, and more control over transaction processing.
Citi is a leader in the industry with its innovative connectivity solutions that are designed to meet critical business and treasury needs with best-in-class technology and data management providing direct connections to our clients’ Enterprise Resource Planning and/or Treasury Management systems (ERP and TMS).
Increased Automation, Speed and Accuracy.
Driving industry innovation, CitiConnect supports global file standards such as ISO 20022 XML, while providing one-window connectivity to Citi products with multiple solutions: CitiConnect for Files, CitiConnect for SWIFT, CitiConnect ERP Integrator and CitiConnect API.
Straight-through processing and straight-through reconciliation improve transaction speed and data accuracy, limit manual intervention and help reduce costs. Clients can systematically track transactions through all process stages and monitor file and transaction statuses online. Real-time response files detail the status of a transaction and file, confirm transactions, and, if rejected, provide the reason.
Account Opening through CitiDirect® Digital Onboarding
Citi’s digital onboarding capabilities were expanded and now include Digital Signer Management, with self-service on-boarding going live in 2026. Digital Onboarding allows clients to open accounts, manage product documentation online for 49 countries and more. Improved visibility of every request allows clients to track the status and ask questions on the portal directly to Onboarding specialists. The new Digital Signer Management functionality adds the ability for clients to manage account signatories digitally, by deleting, adding or amending authorized signers directly in CitiDirect across 44 countries and signer audit reports are now available in real time.
- Simple - digital onboarding experience, with re-use of client information collected earlier, less additional information required
- Digital - Clients can initiate and complete the entire account opening process online through CitiDirect
- Visible - Clients can track their statuses and provide information through CitiDirect
- Transparent – Citi's regulatory guides are now available for clients to check bank requirements sourced from the underlying regulation
- Convenient - Easily sign documents with electronic signatures, eliminating the need to print, sign and mail documents
- Digital Maintenance of Signatories with Signer audit reports available in real time
Our integrated connectivity options are fundamentally underpinned with data intelligence and analytics. Leveraging AI and machine learning, Citi solutions can help optimize components of a client's treasury program with existing data and provide recommendations on how to address future needs. Coupling client’s data with our powerful analytics, our clients can be powered with actionable intelligence and insights. We offer a range of services like our client success scorecard, which provides data driven analytics on Service, Onboarding and Know Your Customer metrics to empower informed decision-making, monitor digitization progress and help unlock operational efficiencies.
Citi solutions can help optimize components of a client's treasury program with existing data and provide recommendations on how to address future needs.
Citi provides clients with up-to-date reporting of balances and transaction postings via Account Statements to help them with cash reconciliation needs as well as control of working capital intensive business operations. Our statements are predominantly delivered electronically either as machine-readable end-of-day and intra-day files in a wide variety of industry-standard file formats, or human-readable legal statements in PDF format. Depending on the activity volumes, data coverage and latency requirements, our clients have the flexibility to receive statements via email, or as a host-to-host file transfer via CitiConnect for Files, or SWIFT FIN/FIN+ messages via CitiConnect for SWIFT, or an on-demand download as well as scheduled periodic file export via CitiDirect online banking. Additionally, Citi also delivers near real-time credit and debit advices electronically in major industry-standard formats globally. While we intend to operate a paper-free Account Statements delivery model, paper statements remain available to clients who prefer to receive them in the jurisdictions which require issuance of physical bank statements. At Citi, we understand that up-to-date, reliable bank account reporting is not only critical to our clients’ treasury and finance but also increasingly relevant and integrated into their core business operations. Our upcoming capabilities in this area include empowering clients with the ability to view and configure statement subscriptions on CitiDirect by choosing the formats, delivery methods, frequency and data attributes for inclusion based on their specific information needs for any cash account globally.
Our Global Billing Services provide clients with a periodic legal invoice for billable bank fees and commissions associated with services delivered for one or more accounts. Billing invoices represent a legal obligation to pay and they are issued by local Citi entities to specific domestic or offshore client entities. Billing invoices include service descriptions, volumes utilized, effective price and total charges for each account as well as at a summary level. They may also include credits, adjustments and sales taxes where applicable. Clients can access billing invoices on CitiDirect or choose to receive them via email. Citi also provides a comprehensive reporting of fees and commissions charged as well as credits sales taxes applied across all accounts globally on a monthly basis via our Global Fee Statements. Fee statements are available in machine-readable industry-standard file formats TWIST BSB, ISO20022 XML camt.086 and EDI 822, as well as human-readable Citi-proprietary Excel format. Clients can opt to receive their fee statements via email, or a host-to-host file transfer, or an on-demand download as well as scheduled monthly file export via CitiDirect. Bank fee expense management has become increasingly important to our clients in recent times. Citi continues to invest in bringing complete visibility and transparency into bank compensation for our clients. We are an AFP-accredited Banking provider committed to helping our clients and prospects understand and optimize their outlays against the holistic value we add across the current and future relationship globally.
