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Citi

Global bank and major US credit card issuer with checking, savings and the Citi Mobile app.

Free plan + paidMobile banking apps

Updated · AppBreakup editorial · Web, iOS, Android

Visit CitiSee 4 alternatives

Is Citi free?

Free plan, plus paid plans

Starting price:
$5 a month (Access Checking, waivable)

Checked on Citi's site Nov 8, 2026

Full Citi pricing and plans

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About Citi

Citi, the consumer brand of Citigroup, is one of the largest banks in the US and a major credit card issuer worldwide. In the US, Citibank offers checking and savings accounts that tie into relationship tiers: the more you keep with Citi, the more fees are waived and the better the perks. Its basic Access Checking and Regular Checking carry monthly service fees that can be waived with direct deposits or balances, and Citi does not charge overdraft fees. Customers get fee-free cash at a large network of branches and partner ATMs. Citi is perhaps better known for cards such as Double Cash, Custom Cash and Strata, which earn cash back or ThankYou points. Everything runs through the Citi Mobile app and Citibank Online. It suits people who want a big bank with international reach and a broad card line-up. People with small balances will find the monthly fees and tier rules more complicated than at online banks.

Best for: US customers who want branches, international reach and a broad range of credit cards.

Citi pricing (checked Nov 8, 2026)

Each line is quoted from Citi's own site, with the page it came from.

Plan or termWhat it saysCheckedSource
Access Checking fee$5 per month (waivable)Nov 8, 2026citi.com
Regular Checking fee$15 per month (waivable)Nov 8, 2026citi.com
Starting price$5 a month (Access Checking, waivable)Nov 8, 2026citi.com
Regular Checking plan$15 a month (waivable)Nov 8, 2026citi.com
Citi Savings plan$4.50 a month (waivable)Nov 8, 2026citi.com
Non-Citi ATM fee$2.50Nov 8, 2026citi.com
Full Citi pricing and cheaper alternatives

Pros and cons

What works

  • No overdraft fees on checking
  • 65,000+ fee-free ATMs in the US
  • Wide range of cash-back and travel cards
  • Relationship tiers reward larger balances

Why people leave

  • Monthly service fees unless you meet waiver rules
  • Tier system is complicated
  • Savings rates are low without a relationship tier

Citi vs Capital One, U.S. Bank and Chase

From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.

AttributeCitiCapital OneU.S. BankChase
PricingFree plan + paidFreeFree plan + paidFree plan + paid
Verified price$5 a month (Access Checking, waivable)——$15 a month, or $0 with qualifying deposits or balance
Free planYesFree appYesYes
Open sourceNoNoNoNo
Self-hostableNoNoNoNo
PlatformsWeb, iOS, AndroidWeb, iOS, AndroidWeb, iOS, AndroidiOS, Android, Web

Top Citi alternatives

See all 4
  1. 1Capital One logo
    Capital One

    No monthly fees or minimums on checking, with a similarly broad credit card range.

    68.8
  2. 2U.S. Bank logo
    U.S. Bank

    Another large branch bank with its own card line-up and Smart Rewards perks.

    64.8
  3. 3Chase logo
    Chase

    Largest US bank branch network with a highly rated app and frequent new-account bonuses, the obvious big-bank swap from Citi.

    61.8
  4. 4Chime logo
    Chime

    App-only account with no monthly fees or minimums and early paycheck access, for people leaving Citi to avoid account charges.

    57.2

Why people left Citi

In reviewers' own words, from reviews of the apps they moved to. These are their opinions, not ours.

No switching stories yet. If you moved away from Citi, review the app you switched to and tell us why.

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Citi: common questions

What is Citi?

Citi: Global bank and major US credit card issuer with checking, savings and the Citi Mobile app. Best for US customers who want branches, international reach and a broad range of credit cards. Available for Web, iOS and Android.

Is Citi free?

Citi has a free plan and paid plans.

How much does Citi cost?

Citi is free with paid plans. Access Checking fee: $5 per month (waivable); Regular Checking fee: $15 per month (waivable); Starting price: $5 a month (Access Checking, waivable); Regular Checking plan: $15 a month (waivable). Checked on Citi's own site, November 2026.

Is Citi open source?

No, Citi is not open source.

What platforms does Citi run on?

Citi is available for Web, iOS and Android.

What are the best alternatives to Citi?

The highest-ranked Citi alternatives right now are Capital One, U.S. Bank and Chase. See the full ranked list for pricing, platforms and verified facts.

Citi vs Capital One: what's the difference?

Citi is free with paid plans; Capital One is free to use. Both run on Web, iOS and Android.

See all 4 Citi alternatives