Automatic Phone Banking System

IVR — Interactive Voice Response

This state-of-the-art system will offer you a higher level of confidential banking by phone and enable you to carry our required bank transactions on your own by means of telephone keys.

In order to be able to use services of the Automatic Phone Banking System, make sure that your phone has been switched over to the tone mode.

In case you face any difficulties with the system, you always have an opportunity to switch to a Citiphone banker by pressing “0” button. CitiPhone banker will answer all the questions and give all kind of necessary clarification.

Automatic Phone Banking System allows using following functionalities:

• To get the balance on the clients accounts
• To execute payment to Credit Card
• To change your TPIN code
• To listen to history of the last 15 transactions on every account
• To execute financial transactions between own accounts and make payments to third parties
• To book time deposit
• To execute utility bill payments (Beeline, MTS, Megafon, MGTS, Rostelecom)
• To order the statement or other banking forms
• To reissue or block your card

Automatic Phone Banking System significantly saves clients’ time to a great extent. To enter the system the customer has to enter the card No and TPIN.

To make it more comfortable, the system offers extra features — the creation of the Personal menu, which allows quick access to selected choice, and of the “Fast Keys” options, which allow getting to the necessary menu avoiding unnecessary steps.

In case the client calls from a fax machine in order to receive the statement, he receives it at once. The use of the Interactive Voice Response system permits to get statements by fax much faster, as the processing of the queries is generated

Frequently Asked Questions

• Bill payments
  
  Being a Citibank customer and wishing to pay MTS, Beeline, MegaFon, MGTS or Rostelecom bills, you can do this any time at any place of the world through our Automatic Phone Banking System (IVR).
  
  You will just need to establish corresponding payee through Citibank Online or by calling 24-Hour CitiPhone Banking.
  
  To add a payee, call 24-Hour CitiPhone Banking
  
      (495) 775-75-75 in Moscow,
      (812) 336-75-75 in St.Petersburg,
      8-800 700-38-38 for other RF cities
  
  enter your card number and TPIN and connect to a CitiPhone officer by pressing "0". Then you should give the following information to CitiPhone officer:

  • merchant type and
  • 10-digit telephone number you wish to pay - for MTS, Beeline, MegaFon, Rostelecom
      or
    10-digit telephone number, apartment number and control key - for MGTS payments.

  
  As soon as your payee is added you will hear it's name in your Automatic Phone Banking System menu. To pay your bills you will need to make the following simple steps:

  • call 24-Hour CitiPhone Banking,
  • press "4" for English and then press "1" twice, enter your card number and TPIN,
  • press "2" for transfers and then "3" for utility bill payments,
  • choose merchant,
  • choose account for payment and input amount,
  • confirm payment.

  
  * in case of no active payees in your profile, your call will be transferred to a CitiPhone officer.
  
  The system automatically validates payment details. Should you make a mistake while inputting details of payment, you will hear an error message and the payment won't be affected.
  
  MTS, Beeline and MegaFon payments are on-line, while MGTS and Rostelecom payments can take up to 3 working days.
  
• Transfers To Third Parties
  

  If you plan to carry out regular transfers in RF rubles to third parties by means of the Automatic Phone Banking System, you will need to establish a payment order first through a CitiPhone officer, indicating the following transaction details:

  • Beneficiary Bank.
  • Bank Identification Code (BIС) of the Beneficiary Bank.
  • Correspondent Account of the Beneficiary Bank.
  • Receiver's account number.
  • Receiver's name;
  • Payment details (purpose).

  As soon as your instruction for this payment has been established, you need to select the option «Transfers in Favor of Third Parties» in the menu of the Automatic Phone Banking System in order to have your payment carried out. Next, following instructions that you will hear, it will be necessary to select the formerly established instruction and to specify the amount of payment.
  The payment instruction has to be established only once, and it will be effective until you cancel it.

• Money Transfers Between Your Accounts
  

  You can carry out such transactions through the Automatic Phone Banking System without establishing any prior instructions. Having accepted a payment, Citibank will issue a confirmation number of this payment to you. Please, make sure you write the confirmation number down and keep it for 12 months. A payment carried out in this manner will be credited to the receiver's account no later than on the next business day.

  Guided by your requests, ZAO Citibank will establish an instruction for carrying out payments of a particular amount of your choice on specific days of the month in favor of a designated receiver. You will no longer need to call the bank every month – ZAO Citibank will carry out the required amount automatically. Information about the effected payment will appear on your account statement.

  Any instruction for this kind of payment may be changed from your side at any time via 24-Hour CitiPhone Banking or Citibank Online. The only thing that you need to take care of is to maintain a balance in the account, sufficient to cover the transaction in question.

• Transactions limit in Automatic Phone Banking System
  

  Limit	Daily limit
  Transfers between own accounts	no
  Transfer to another beneficiary in Citibank	315 000 RUB 472 500 RUB – for Citigold clients
  Transfers to another beneficiary in Russia and bill payment	63 000 рублей RUB