CitiKonto with a bonus of up to PLN 700. Last chance before the Citi brand disappears from the Polish market
Citi Handlowy sells retail to VeloBank. The acquisition is scheduled to be finalized in mid-2026. Before the Citi brand disappears from the Polish retail market, the bank offers new customers cashback of up to PLN 700. This may be the last edition of this promotion.
If you have ever thought about opening an account at Citi Handlowy, this is literally your last call – and in a double sense.
First of all: the promotion is valid only until May 25, 2026 or until the pool of 2,500 contracts is exhausted, and the bank claims that accounts are depleted very quickly because the terms of the promotion are simple.
Secondly: VeloBank is taking over the retail part of Citi Handlowy, and the transaction is expected to be finalized in mid-2026. Citi Handlowy will focus on institutional banking, and retail clients will be under the wing of VeloBank. Anyone who creates an account now will also get the “old version” of a free account.
Important note: The offer is valid until May 25, 2026 or until the pool of 2,500 contracts is exhausted. The order is decisive – first come, first served.
[Konto w promocji dostępne jest tylko pod TYM LINKIEM].
You can open a Citi Handlowy account with a bonus of up to PLN 700 here >>
Where does PLN 700 come from?
The bonus consists of three separate rewards that require different conditions to be met:
The largest part is PLN 500 for the activity. To receive it, for each of the three months immediately following the month of account activation, you must: make at least three debit card transactions for a total amount of at least PLN 300 and receive an inflow to your account of at least PLN 2,000. Important: transactions must be cashless, in PLN, at retail and service points or via the Internet – BLIK is out of the question, and neither are returned transactions.
The second prize is PLN 180 for the receipt of remuneration. The condition is similar here – the influence of min. PLN 2,000 per month for three consecutive months, but counted from the second month after activation, not from the first. In other words: this condition applies in months 2, 3 and 4 after activation, not immediately.
You will receive the last PLN 20 for expressing marketing consents when submitting the application – but you cannot withdraw them until the end of the fourth month after activation.
You can open a Citi Handlowy account with a bonus of up to PLN 700 here >>
What are the activity conditions?
An inflow of PLN 2,000 per month is, in practice, a requirement for a salary transfer or other regular inflow. If your monthly income goes to another account, you must decide whether you want to change it for a few months – or transfer money between your own accounts, although the bank stipulates that payments cannot come from Citi Handlowy accounts run for individual clients.
PLN 300 in three card transactions is a low bar. A week's worth of shopping takes care of that.
You can open a Citi Handlowy account with a bonus of up to PLN 700 here >>
What kind of account is this anyway?
CitiKonto is free of charge – the bank does not charge any fees for maintaining an account or operating a debit card with a multi-currency service. Additionally, you are entitled to four free withdrawals per month from foreign ATMs (unlimited from Citi Handlowy ATMs), free domestic transfers and the first three Express Elixir transfers.
At the same time, the bank also offers a “Your Deposit” deposit with an interest rate of 4% for an amount up to PLN 20,000 – non-renewable, one-off. The interest rate is not the worst by current market standards.
In turn, the Super Savings Account gives 3.25% up to the amount of PLN 20,000, but it is free only if the salary of at least PLN 2,000 is transferred to the account in a given month – which is in fact the same as what the bonus conditions require.
You can open a Citi Handlowy account with a bonus of up to PLN 700 here >>
How much work does PLN 700 cost?
About four months of regular activity: three months of three card transactions plus the receipt of remuneration, and in the background – making sure not to revoke marketing consents. If you open an account now, the entire amount will be received before the end of the holidays.
For someone who is looking for a new main account anyway and regularly earns over PLN 2,000 net, the conditions will be met by the way.
“We X-ray Promotions” is an original series of articles in which the editors of Bankier.pl suggest how to make money on bank accounts and credit cards. We analyze the latest offers, explain the tricks and suggest the easiest way to win the prize.
You can open a Citi Handlowy account with a bonus of up to PLN 700 here >>
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