This loan allows you to be ready for anything, anytime. With Citi Personal Loan, you can easily access cash through installment loan.

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Tagig, Philippines
Metro Manila: 8995 9999 Metro Cebu: 234 9999 From Abroad: +63 2 8995 9999,
Interest rate 1.99% - 4.07%
Loan tenure from 12 to 60 months
Approval duration Up to 24 hours
Min. monthly income ₱21000

The history of Citibank in the Philippines began in July 1902. Then the International Banking Corporation, the predecessor of Citibank, opened its first branch in Manila. 

Today, Citibank is considered the largest foreign commercial bank in the Philippines. This organization provides corporate, transactional, treasury and consumer banking services. Citibank is a recognized leader in financial services for the public sector, multinational corporations and leading Philippine companies. Citibank offers innovative solutions for managing currency, securities and other financial instruments.

This organization is also active in the field of consumer banking. Citibank offers deposit and lending services that significantly improve the quality of life for citizens of the Philippines. Citibank also provides a wide range of investment and insurance products.


Citi Personal Loan

Rates: 26,9% APR
Minimum loan amount: 10 000 PHP
Maximum loan amount: 2 000 000 PHP
Term: 1-5 years
Approval time: 24 hours
Disbursement fee: 1 750 PHP

Citi Speed Cash

Rates: 1.99% per month
Minimum loan amount: 10 000 PHP
Term: 6-60 months
Approval time: 24 hours

Borrower Requirements

– You are at least 21 to 65 years old
– You are a Filipino resident or a local resident foreigner with a valid Philippine billing address
– You have a Tax Payer’s Identification Number (TIN)
– You are a principal credit cardholder.
– Have a minimum gross annual income of Php 250,000.
– One (1) valid government-issued ID with photo and signature.
– For employed: Latest Income Tax Return (BIR Form 2316) or latest 1 month full pay slip
– For self-employed: Latest Income Tax Return (BIR Form 1701);
and Audited Financial Statements (AFS) of the business with independent auditor’s report and balance sheets and tax receipt.

Business loan

Does not provide such services


Does not provide such services

Credit Card

Types of credit cards:

  • Mercury Drug Citi
  • Megaworld Citi
  • Shell Citi
  • Citi Grab
  • Citi Rewards
  • Citi Simplicity+
  • Charge2Phone
  • Citi Cash Back
  • Citi PremierMiles
  • Citi Prestige
  • Citi Classic
  • Citi Gold, Rustan’s Citi Gold
  • Cebu Pacific Citi

Other Fees and Charges for All Card Types

Retail Monthly Effective Interest Rate: 3.5% per month
Citi Cash Advance Monthly Effective Interest Rate: 3.63% per month
Citi Cash Advance Service Charge: 500 PHP or 3% of Citi Cash Advance Amount, whichever is higher
Monthly Late Charge:
850 PHP or the unpaid Minimum Amount Due, whichever is lower
Late Charges do not apply to Citi Simplicity+
Cancellation Processing Fee:
P300 applicable to Citi PayLite and Citi PayLite after purchase
4% of unbilled portion of the Principal Amount, applicable to Citi FlexiBill, Citi Balance Transfer and Citi Speed Cash
Disbursement Fee: 250 PHP for each approved Citi Balance Transfer transaction
Processing Fee:
500 PHP for each approved Citi Speed Cash transaction
250 PHP for each approved Citi FlexiBill transaction
Initial interest for Citi Balance Transfer, Citi FlexiBill, Citi PayLite after purchase, and Citi Speed Cash:
(Approved Principal Amount x Monthly EIR x # of days from the approval date to the statement date) / 30 days
Citi PayAll Transaction Fee:
Up to 3% of Citi PayAll’s Payment Amount which will be charged in addition to the payment amount
Overlimit Fee (Effective December 1, 2019):
750 PHP or the overlimit amount, whichever is lower
Returned Check Fee:
1 500 PHP will be charged for every check that is returned or that bounces due to insufficiency of funds
Charge Slip Retrieval Fee: 250 PHP for each charge slip retrieved upon your request, for whatever reason

Annual Membership Fees

Card Type Principal Card Supplementary Card
Mercury Drug Citi P2,000 P900
Megaworld Citi P2,000 P1,000
Shell Citi P2,500 (Gold)
P2,800 (Platinum)
P1,200 (Gold)
P1,400 (Platinum)
Citi Grab P2,500 P1,250
Citi Rewards P2,500 P1,250
Citi Simplicity+ No Annual Membership Fee No Annual Membership Fee
Charge2Phone Free NA
Citi Cash Back P3,500 P1,750
Citi PremierMiles P5,000 P2,500
Citi Prestige P12,000
*Non-waivable and billed in full on the first statement
*Free for the first seven supplementary cards
Citi Classic P1,500 P750
Citi Gold, Rustan’s Citi Gold P2,500 P1,250
Cebu Pacific Citi P2,800 P1,400

Debet Card

Does not provide such services

Loan Installment

Does not provide such services


Full company name Citibank
Address Tagig, Philippines
Phone number Metro Manila: 8995 9999 Metro Cebu: 234 9999 From Abroad: +63 2 8995 9999
Social networks

User rating


5 months ago

This Make my dream comes true.

It was quick, easy and seamless for existing CitiBank customers. I liked the discount on rates that you get for already having an account. The money came in extremely fast. The big downside (like most loans) is that it was sold to third party loan servicer so it doesn't stay under the Citizens umbrella

5 months ago

This is one of the best bank i have account in.

i am a 22 years young boy who actually want to start my own business. but most of the banks did not allow me to apply for the loan but this bank helps me a lot . now i have a good a stable business all thanks to CITIBANK.

5 months ago

CitiBank Is A Great Company

This it has really very good services of loans and it have great response time and also it provides me the facility of financial growth for my business and also it is good for the peoples like me who want to start a business and also provide great packages of loan. i really love it.

11 months ago

I guess Citi doesn't want my business

I opened Citi checking and savings accounts online and used EFT to transfer $15,000 from my local bank. Then a few days after the EFT cleared Citi sent the funds back to my local bank and sent me a letter saying I need to send the funds in a check by mail to their processing center, which I did. They also sent me a debit card and PIN and a welcome letter. Then they closed the account and I can't get anyone in customer service to tell me why. I'm employed and quite wealthy, a homeowner many years at the same address, with a FICO score of 830. I opened the accounts to get the $400 bonus, and intended to satisfy their requirements. I've wasted hours dealing with clueless customer service and equally unhelpful 'personal banker' representatives. Very frustrating. I guess Citi doesn't want my business, and from now on they won't get it.

12 months ago

I will never fall for the "invitations" from Citibank again

I received an invitation to open a checking account and a savings account and receive $400 opening bonus. Since there is no branch in my area, I opened them online and received confirmation that the opening balances have been received ($100 in C, $1000 in S) then I wired additional $14,000 to savings. Today (2/11) they can only find $100 in checking. After talking to many "specialists" I still have no idea where the funds are. I am going to forget the bonus and close the accounts. I will never fall for the "invitations" from Citibank again!!!

12 months ago

Citibank refused to refund my dispute charge $350 since 3 month ago

Citibank refused to refund my dispute charge $350 since 3 month ago. On Nov. 15th, 2018, I saw there is a unrecognized transaction ($350) on day of 10/26/2018 in my credit card ($350). I disputed the charge immediately and Citibank promised me that they will refund that credit to my account within 3-5 business days. However, 3 month later, They are still convincing to wait 3-5 days. I will sue them for $350 and the time and spirit I spent on it.

12 months ago

There is always a problem with Citibank's stupid website

There is always a problem with Citibank's stupid website. This week, the bank is conducting maintenance and as a result, I cannot see any of my checks online. An online representative told me that they can send me the image of the check I want to see in 24 to 48 hours but that I can open their e-mail with yet another stupid password. How absurd; 48 hours later I still have not gotten anything. If it was not such a hassle, I would've switched all my banking to Bank of America, which has a superb website.

12 months ago

BBB Complaint Filed

BBB Complaint Filed: End of November (for those still following at home). Last response: Feb 13. Okay so after another useless phonemail from Jessica today from some Executive office, she has wasted MY TIME AGAIN to state that they are not changing their decision on their faulty bullcrap addition of Payment Safeguard on MY ACCOUNT with NO PERMISSION despite my OTHER CARD BEING REFUNDED from the last lawsuit. Telling me I opted into this during a card activation is complete garbage. And then you tell me you tried to communicate about it twice years later? BULL.

12 months ago

My husband and I have had an account here for more than 13 years

My husband and I have had an account here for more than 13 years. We added a savings account but since I wasn’t with my husband my name wasn’t added. I went into the Elmhurst NY branch to see what I needed to do to get onto the savings and the person I talked to said, "Just bring your husband and yourself and your banking cards." Went in today with everything we needed and waited 2 hours, gave all the information and then got told that they couldn’t do it cause we needed proof of address even though I told them that we never moved. I only have a passport cause I don’t drive so I didn’t bring a utility bill with me. The lady said, "Anything with your name and address," so I showed her my online student loan that had my address and name. And she told me, "No, that isn’t good enough. It has to be government issued or utility." But she was willing to take my cellphone bill.

12 months ago

I contacted Citi the LiveChat

I contacted Citi the LiveChat (which they notify you is being recorded, aha) on their website. I asked the representative whether Citi would refund the Global Entry fee on the Citi credit card I have. He said yes and I re-asked couple times to be sure. He re-assured me they would refund the fee, I just have to call Citi. So I went ahead and made the purchase, contacted Citi after the transaction posted, they told me I have to wait for the monthly statement. Contacted them again after the transaction made it to the monthly statement. This time they told me they won't refund it. I let them know a Citi representative I chatted with told me they will and they said they'll open a case/claim with some Citi department that does have access to the chat history.

12 months ago

Do not get a checking account with Citibank

Do not get a checking account with Citibank! If you do you will regret it. You have been warned. As of right now there is a "block" on my checking account. I discovered this as I was trying to order food over the weekend. They left me with no access to my funds, no money, no food and no way to pay my bills. When I called they told me that I had to speak to a particular department and they are conveniently closed on the weekend. I was told that my account was restricted because I have another checking account. I was told to have two separate online banking accounts by Citibank. My goal was to have two separate debit cards so that I could use one for spending and my other account for bills. So they have essentially screwed me over because of something one of their representatives told me to do.