You may need cash when you least expect it. Take advantage of our Loan on Phone1 and get a quick fee-free cash advance on your credit card at a lower interest rate.

Advantages:

  • Your LOP interest rate is lower than your credit card rate2.

  • No cash advance fee3, no transfer fee4, no fee for full or partial prepayment.

  • No additional documents required. Application by phone.

  • Repayment in equal monthly installments.

  • You can choose between repayment terms — 12, 18, 24, 36, 48 or 60 months.

  • Transfers5 can be made to a current account with Citibank or any other Russian bank, opened in your name or that of another person6.

Online application:

 

 

 

 

By clicking the Send button, I agree to the processing of my personal data by AO Citibank.

  • HOW IT WORKS?
  • EFFECTIVE
    CONDITIONS

It’s really easy!

  • Complete a short online form, and our representative will call you back.
    You can also check the availability of the offer and activate the Loan on Phone service by calling CitiPhone on weekdays between 8 a.m. and 8 p.m. Moscow time.

  • The money will be transferred to your Citibank current account or sent to a bank account of your choice, within one day of your request7.
    Your Loan on Phone will be booked as an Equal Payment Plan (EPP) transaction.

  • On your next credit card statement, you will see your minimum payment amount, including the Loan on Phone installment plus interest.
    If you have booked more than one Loan on Phone, you will see separate charges under each such Loan on Phone.

  • Repay your Loan on Phone amount in equal monthly installments at a lower interest rate.
    The longer is your repayment term, the lesser is your monthly installment.

How to deactivate the service?

  1. Sign on to Citibank Online and select your credit card number on the «My Citi» page.
  2. Click «Cancel EPP» and then select the transaction(s) for which you want the Loan on Phone service to be deactivated.
  3. Download the credit terms change request and enter your password to confirm the change.

You can also deactivate the Loan on Phone service by calling CitiPhone on weekdays between 8 a.m. and 8 p.m. Moscow time.

  1. Loan on Phone will be made available at Citibank’s discretion.
  2. Each particular transaction will incur an interest rate determined on an individual basis in the relevant offer, which may vary between 13.9% and 29.9% per annum.
  3. The cash advance fee will only be waived in the event of transferring funds into your Citibank RUB current account and making a withdrawal at a Citibank ATM. If your debit card is active and you are attempting a withdrawal from your RUB current account at Citibank’s branch counter, the fee will only be waived on your first withdrawal or if the ATM is out of order. In the event of transferring funds to an account with another Russian bank, withdrawals will be subject to the beneficiary bank’s rates and fees.
  4. Citibank’s transfer fee is waived. The crediting of funds will be subject to the beneficiary bank’s rates and fees.
  5. The maximum amount of each particular transaction may be set within the cash advance limit. Limitations as to the maximum amount are determined on an individual basis at Citibank’s discretion in the relevant offer.
  6. Loan on Phone funds may only be transferred in rubles to an account of a resident individual.
  7. Provided that Loan on Phone funds are transferred to your Citibank account and the corresponding request is submitted via CitiPhone before 16.00 on a banking day. Where Loan on Phone funds are transferred to an account with another Russian bank, such funds will be sent to that account within four business days of processing your request. Funds will be credited to the destination account subject to the beneficiary’s bank’s terms and conditions and fee schedule. Citibank may extend the time it takes to process your request at its discretion.
  8. The monthly installment is calculated based on an interest rate of 22.9% per annum and a repayment period of 36 months.

AO Citibank.

You are eligible for Loan on Phone if your credit card meets the following conditions:

  • Your card is active and has not been blocked.
  • No overdue payment on your credit card.
  • Availability of an active destination account.
  • No overlimit in your credit card account

The Loan on Phone offer is limited and subject to our sole discretion.

You can check the availability of the offer by calling CitiPhone on weekdays between 8 a.m. and 8 p.m. Moscow time.

  1. Loan on Phone will be made available at Citibank’s discretion.
  2. Each particular transaction will incur an interest rate determined on an individual basis in the relevant offer, which may vary between 13.9% and 29.9% per annum.
  3. The cash advance fee will only be waived in the event of transferring funds into your Citibank RUB current account and making a withdrawal at a Citibank ATM. If your debit card is active and you are attempting a withdrawal from your RUB current account at Citibank’s branch counter, the fee will only be waived on your first withdrawal or if the ATM is out of order. In the event of transferring funds to an account with another Russian bank, withdrawals will be subject to the beneficiary bank’s rates and fees.
  4. Citibank’s transfer fee is waived. The crediting of funds will be subject to the beneficiary bank’s rates and fees.
  5. The maximum amount of each particular transaction may be set within the cash advance limit. Limitations as to the maximum amount are determined on an individual basis at Citibank’s discretion in the relevant offer.
  6. Loan on Phone funds may only be transferred in rubles to an account of a resident individual.

AO Citibank.