Bank Handlowy w Warszawie (branded as Citi Handlowy) is the oldest commercial bank in Poland, founded in 1870, now owned by the American Citigroup and specialising in banking for affluent clients and corporations. The lowest cash loan APR at Citi Handlowy is currently 8.29%.
Why choose Citi Handlowy?
- The oldest commercial bank in Poland — tradition going back to 1870
- Part of the global Citigroup — access to international banking
- Among the best credit cards on the market, including Citi Simplicity with cashback
- Specialised service for affluent customers (Citigold)
- Strong offer for large corporations and companies with international operations
Editorial rating
- Offers 4.2
- Service 4.4
- Online banking 4.4
- Costs 4.2
About the bank Citi Handlowy
Bank Handlowy w Warszawie was founded in 1870 by Leopold Kronenberg and is the oldest continuously operating commercial bank in Poland. After the political transformation the bank was acquired in 2001 by the American Citigroup and took on the "Citi Handlowy" marketing name. Despite the ownership changes, the bank kept the prestigious Handlowy brand, which is still well known in the Polish banking sector.
Citi Handlowy focuses on serving affluent customers (Citigold segment), large corporations and selected retail segments. The bank offers personal accounts with credit cards (one of the best cashback offers on the market), cash loans, investment products and advanced international corporate banking — thanks to the global Citi network. In 2022 the bank sold part of its retail business to VeloBank, concentrating on the premium segment.
Active offers
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Cash loans
View all offers →Pożyczka gotówkowa dla nowych klientów
Citi Handlowy
- APR
- 8.29%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 488 PLN
Personal accounts
View all offers →CitiKonto w promocji „Otwórz CitiKonto i zyskaj 3,5% oraz do 650 PLN”
Citi Handlowy
- Monthly fee
- Free
Citigold
Citi Handlowy
- Monthly fee
- 0 – 220 PLN
Business accounts
View all offers →Konto firmowe CitiKonto z premią do 2700 zł
Citi Handlowy
- Monthly fee
- Free
Savings accounts
View all offers →Konto oszczędnościowe
Citi Handlowy
Pros and cons
Pros
- Prestigious brand with more than 150 years of history
- Attractive credit cards with cashback and points programmes
- Access to the global Citi network for customers travelling abroad
- Specialised premium service in the Citigold segment
Cons
- Focused on premium and corporate segments — less accessible for mass-market customers
- Smaller branch network than universal banks
- No mortgages in Poland (following strategy changes)
How to apply — Citi Handlowy
Citi Handlowy is the oldest commercial bank in Poland — its origins go back to 1870. Today it belongs to the American Citigroup.
- 1
Choose a product
Check available Citi Handlowy offers in our ranking — accounts, credit cards, cash loans.
- 2
Go to the bank
Click the CTA to go to the Citi Handlowy application page.
- 3
Fill in the application
Use Citi Online or Citi Mobile. Prepare your ID and income documents.
- 4
Receive a decision
Existing customers may get a fast decision. New customers usually receive one in 1–2 business days.
Frequently Asked Questions
Is Citi Handlowy the same as Bank Handlowy?
"Citi Handlowy" is the marketing name of Bank Handlowy w Warszawie SA, which has belonged to the American Citigroup since 2001. The legal name remains Bank Handlowy w Warszawie Spółka Akcyjna, which you will see on contracts and bank documents.
Does Citi Handlowy offer mortgages?
No — Citi Handlowy no longer grants mortgages in Poland. After the strategy change the bank focuses on personal accounts, credit cards, cash loans, investment products and corporate banking.
What makes the Citi Handlowy credit card stand out?
Citi Handlowy credit cards are among the best rated in Poland, especially for their cashback programmes (Citi Simplicity) and rewards. Many cards offer free travel insurance and airport lounge access.
What is Citigold?
Citigold is the affluent-customer segment at Citi Handlowy, offering a personal advisor, access to investment products, preferential credit and deposit terms and service at dedicated Citigold centres. Joining usually requires a certain asset level.
Is Citi Handlowy safe?
Yes. Bank Handlowy is supervised by KNF, is a BFG member and is listed on the Warsaw Stock Exchange. Deposits are insured up to EUR 100,000. Its majority shareholder is Citigroup — one of the largest American financial groups.
Does Citi Handlowy have branches across Poland?
Citi Handlowy has a limited branch network concentrated in larger cities. Service is primarily digital — through Citi Mobile, online banking and the call centre. Dedicated Citigold centres are available in selected locations.
How much does a Citi Handlowy personal account cost?
Citi Handlowy offers several personal account variants, including free with deposit or card activity conditions or as part of premium packages. Current pricing is on citihandlowy.pl in the fees and commissions section.
Other banks
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.