Take advantage of our Advanced Loan on Phone1 and get a quick cash advance on your credit card in addition to your available credit limit at a lower interest rate. You can apply the money towards home improvement, car insurance, loan repayment, or any other purpose whatsoever!

Advantages:

  • Lower interest rate2.

  • No cash advance fee3, no transfer fee4, no fee for full or partial prepayment5.

  • No additional documents required. Application by phone.

  • Repayment in equal monthly installments.

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

  • Transfers 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 yourself in Citibank Online. To do this, sign on to Citibank Online and go to the «My Citi» page. If the offer is available, you will see a message at the bottom of the page.

  • The money will be transferred to your Citibank current account or sent to a bank account of your choice, within three days of service activation7.
    Your available credit limit will not be affected. The money will be made available in addition to your credit limit.

  • On your next credit card statement, you will see your minimum payment amount, including the Advanced Loan on Phone installment plus interest.

  • Repay your Advanced Loan on Phone amount in equal monthly installments at a lower interest rate.
    Your Advanced Loan on Phone will be booked as an Equal Payment Plan (EPP) transaction. The longer is your repayment term, the lesser is your monthly installment.

How to deactivate the service

You can make a partial prepayment request or deactivate the Advanced Loan on Phone service by calling CitiPhone on weekdays between 8 a.m. and 8 p.m. Moscow time.

  1. Advanced Loan on Phone will be made available at Citibank’s discretion. The amount is determined on an individual basis between RUB 50,000 and RUB 600,000.
  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 prepayment amount must not exceed your available cash advance limit.
  6. Advanced Loan on Phone funds may only be transferred in rubles to an account of a resident individual.
  7. Provided that Advanced Loan on Phone funds are transferred to your Citibank account. Where Advanced Loan on Phone funds are transferred to an account with another Russian bank, such funds will be sent to that account within three business days of processing your request. 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 23% per annum and a repayment period of 60 months.

AO Citibank.

You are eligible for Advanced 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 Advanced 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. Advanced Loan on Phone will be made available at Citibank's discretion. The amount is determined on an individual basis between RUB 50,000 and RUB 600,000.
  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 prepayment amount must not exceed your available cash advance limit.
  6. Advanced Loan on Phone funds may only be transferred in rubles to an account of a resident individual.

AO Citibank.