Here’s a more detailed positive remark:“I’m truly impressed with Citibank Sg and their commitment to providing an exceptional user experience. Their latest updates, including a sleek and intuitive app design, have made managing my finances even more seamless. One feature I particularly appreciate is the immediate payment updates, which give me real-time insights into my transactions and balances—something that sets them apart from other credit card providers. The app is incredibly user-friendly, with easy navigation and helpful tools to track spending and rewards. Citibank Sg consistently proves they prioritize their customers’ needs, making them a top choice for anyone looking for convenience and reliability!”

If you think the recent ocbc scam is bad, I’m sure you will never get any help from this app if it happens to Citi. The app looks good, but is terrible in the entire customer journey. Inconsistent in getting to the transactions page, cannot find anywhere in the whole app just to find a due amount to pay for the stupid card. Transactions are slow in reflecting charges made, worse, view all transactions does not work. Did I mention how difficult it is to even go to transactions page? Information within the app appears and disappears at random. Please fire your QC team. Don’t even want to talk about how difficult it is to get to the digital token when I’m logged in. Why does the customer journey requires a user who is already logged into the app to log out just to get to the token feature? Makes completely no sense. Was told I could activate the soft credit card data right after application, in the end I had to wait for the actual credit card to arrive to begin using it. Please hire a professional user journey team to craft the app’s customer journey.Just to be clear, I do not have anything against Citi nor have I written any reviews for banking app because despite the shortcomings of each bank, I’ve never had a worse experience in using mobile banking app than Citi’s.

The app’s look and feel seems polished. But does it serve its objective? I am not sure if it is the app, the bot, or the backend support. But sending “secured messages” within the app gets one no where … When I was charged a late payment fee for one day late in making my mortgage payment (because I forgot to top up sufficiently), I called for waiver and was directed to the app’s secured messaging. I wrote and wrote, and nothing happened. Replies promised call backs but nothing happened. When I wanted to make partial prepayment of my mortgage, I used the website online form (which promised support / call back within one business day), and I followed up with “secured messaging”. And again all to no avail, zero response. Nada. Zilch. It was not until I invested at least 30 mins making the traditional phone call to the perpetually inundated help line, did I manage to finally establish real contact and got the requisite confirmation. It was telling that the person on the line had no record of my online submission, or of my follow up using the much touted “secured messaging”. There seems to be a disconnect between the front-end customer facing app and the operations support that is necessary to back up Citi’s promises to its consumers. Please help us consumers.

My card was first charged by unknown merchants. I immediately tried logging into my app to check on these fradulant transactions but I was unable to do so. The phone app kept prompting that my user ID or password is wrong. I proceeded to use the SAME user ID and password to log on through a browser page on my desktop and managed to get in. So the app is now logging a different set of credentials? I called the hotline and the citibank staff then proceeded to cancel my card and place a dispute on those fradulant charges. And she also added that they will not be providing a temporary credit line for the 5 days while I wait for the new card to arrive. It feels like the customer is being punished for the weak security processes of the bank. It's as if the bank is forcing me to take my spending elsewhere.The next day, I tried logging into the app again, same issue with the login credentials. I tried the forgot password option but it says that my NRIC or birth date don't match their records. I tried creating a new account hoping it will flag out that there are existing records of me in the system but it just rebukes me and attempts to lock me out due to too many failed login tries. The absolute worst customer experience ever is when even after the customer puts in time and effort to complete a task but due to the bank's weak processes and systems in place, is unable to do so. Horrible experience overall.

I agree with those who have put in a bad review. There are times that I overpay as my payment is not updated. So at times, I would have thought I had paid but later to find out no. Confusing reflection of statements and I have been charged late fee and admin fee because of that. With AMEX, once I make a payment, within 3 days, I receive a notification and the statement in my app gets updated. It allows me to “keep paying” throughout the month and always know how much balance I need to pay by due date. Not with this app that forever is in a need to be updated before I could log in mode. Updating takes time and sometimes, and when you are really busy, you just don’t want to go through those steps. Almost on a monthly basis when I receive a prompt via SMS that my statement is ready to be viewed, I log into the app and it has to be updated. Tiresome. Ending my relationship with Citibank!

I have paid the due amount for BT 2 days before my first month bill generated and the late fee of 103$ was charged with NO reminder to customer. I am Citi bank credit card customer from past 3 years but My first time waiver request was rejected despite of request for almost 3 times which is quite annoying. I have BT and I am using the card for my transportation and there is no mechanism to distinguish the amount paid by the customer is going to BT outstanding or the amount spent on the card for daily use. I have been charged for excess amount for bank in capability to distinguish my re payment amounts. Please look at other banks - for ex- Standard charged bank, any BT from credit card will be transferred to new account under the card and still the customer can use the card for transactions. BT and daily usage both are separate accounts which is clear to customer as well as to Bank. No Hastle. Hope you rectify giving peace of mind to customers.