User's Guide
Citibank® Online has been designed to be as user-friendly as possible but if you need any help using the features and tools, this is where to start.

Login

1. You will be asked to enter your Citicard/Credit Card number. You will also be asked if you want to save your Citicard/Credit Card number on the computer to make later use quicker. Please note: you should not select this feature if you are not using your own PC. Also note that the card number will be masked once it is saved, and only the last 4 digits will appear.
2. You will be asked to enter your Citicard/Credit Card A-PIN (ATM Personal Identification Number). If you do not have your APIN yet, please call 24-Hour CitiPhone on 16644 from Cairo and Alex for free
   calls from outside Greater Cairo are at the long-distance tariff without the need for subscription to long-distance service
   from abroad +202 2618 6200.
3. You will then be asked to read through and agree to our terms and conditions. If you click “I Agree”, you can proceed into using the available services. If you click “I Disagree”, then you will be returned to the homepage.

Logoff

1. Having done what you wanted, select the Sign Off option at the top of the screen. This will close your session.
2. As you Sign Off you’ll be given the option to see and print the details of what you’ve done during that session.

What happens if you forget to Logoff?
If your computer is inactive for two minutes, then a Time Out facility is triggered to help protect you against unauthorized access. The Time Out message will pop up on your screen. If you do not click the OK button, Citibank® Online will automatically terminate your session after a further minute. If you don’t wish to terminate your session, simply click Cancel instead

Using a computer that isn’t exclusively yours
If you are using a work computer, for example, never store your Card Number on your computer or leave your account details on-screen while you’re away from your PC. Also, remember to Sign-Off!

Account Information
You can get the following information on your Citibank account(s) whenever you want:

Balance Summary
Gives you a quick glance overview of all your account balances on one page. You can find more information on each account, either by clicking on the specific account on the balance summary screen, or by going through the Account Details and Activity menu.

Account Details and Activity
By selecting the account you wish to view from a drop down list, you will get details on your account, followed by a complete description of all the transactions that occurred on that account for up to the last 90 days. You can sort the transactions by date, description or transaction type in ascending or descending order.

Download account activity
You can download your account activity, which can be used with other software. You will have to select the period for which you want the activity (with a maximum of 90 days history), the format, and the account/accounts.

Transfers and Payments
Allows you the flexibility of moving your money from one account to the other, anytime.

Transfer between my account
All you have to do is select the account you want to transfer from and the account you want to transfer to from a drop down list of your accounts. You must enter the amount you wish to transfer, and then enter your A-PIN to confirm the transaction.
Direct Debit
• Set up a Direct Debit
You can set up a Direct Debit on of your accounts in order to ensure timely payments for your credit card monthly statements. By selecting from one of your accounts in a drop down list, and selecting either minimum balance due, or entire balance, your credit card statement will automatically be taken care of every month. Please note that you must ensure that your account has sufficient balance prior to the date that your direct debit has been set to.
• See/Change Direct Debit
With this option, you can see details on an active direct debit, and change the conditions or cancel the direct debit. You will be given the list of cards that direct debits have been set for. By selecting the card, you will be able to see and change/cancel the direct debit for that card.

Customer Service
With Citibank® Online, you can also:

Change A-PIN
You can change the A-PIN of the Citicard/Credit Card that you used to log in with. The change in PIN is activated immediately, and will apply to all services that require the usage of your APIN (ATMs, logging onto Citibank® Online, confirmation of transactions by re-entering the APIN)

Order Statement
You can order either a combined statement for all your accounts, or a statement for a specific account, by selecting the account from a drop down list. Statements can cover, from last statement to date, last month’s statement, last two months or last three months.

Order Checks
You can order your checkbooks by selecting the number of checkbooks and the account that you want the checks to be drawn on from a list of valid accounts.

Rewards Redemption
You will be able to see an up to the minute number of rewards points that you have accumulated on your Citibank Credit Cards. You can redeem points from one, or a combination of cards, by simply selecting the cards, entering the number of points, and selecting the gift category and item from drop down lists.

Rate Information

Foreign Currency Exchange Rates
You will be able to view up to 10 foreign currency buy and sell rates against the Egyptian Pound

Interest Rates
Here, you will be able to view the prevalent interest rates on the available Time Deposits

Messages

Read New messages
Customer service will be able to respond to one of your inquiries/requests by sending you a message to your account’s inbox. You will be notified once you log onto the menu screens, with a flashing red indicator on top of the “customer service” menu, indicating the number of new messages you have received.

Send a message
You can send messages to customer service to inquire about a service or report a problem. To make things easier for you, we have created standardized message forms for some of the types of inquiries you might have. You may use the “other” message type to report/inquire about something that is not covered in the standardized message forms.