Open an account Citigold Private Client

Take advantage of 6-month deposit at 8% up to PLN 2,5 million and save more.


Offer for new Customers,
valid until 28.02.2023.

Offshore Private banking with Citi Handlowy
Most Exclusive Card

World Elite Debit Mastercard®

With the most prestigious among all MasterCard cards, Citigold Private Client gets:

  • Priority Pass card - unlimited access to more than 1300 partner lounges worldwide
  • Free travel insurance (also for their loved ones living at the same address)
  • Concierge services
  • Support in case of card lost
Learn more
Citigold Private client - your private banker
Investment advisory

Investment Advisory on foreign equity and bond markets as well as mutual funds

As part of the Individual Brokerage Service offered by the Brokerage Office, Clients can take advantage of a comprehensive offer of capital market products and services, including the Investment Advisory service on foreign stocks and domestic and foreign bonds as well as the access to several stock markets in Europe and the USA. The Brokerage Office offer includes direct access to over 20 global exchanges.

  • Investment Advisory service on foreign stocks as well as domestic and foreign bonds.
Learn more

Citigold Private Clients can also take advantage of the Investment Advisory service on mutual funds. The service enables building a diversified investment portfolio and periodical verification of the portfolio composition.

  • Investment Advisory on mutual funds
Learn more

Experience Private Banking with Citi Handlowy

Products under closed-end subscriptions

We offer Citigold Private Clients a wide selection of structured products which, at the request of the Client and based on the indicators preferred by the Client, will be tailored to individual needs and expectations.

Learn more
Unique benefits

Best conditions on Citi Handlowy bank products

Citigold Private Clients get the most competitive conditions on all Citi Handlowy products:

  • Best interest rates on Dual Currency Investments
  • Best currency exchange rates
  • Lowest interest rates on Mortgage Loans
  • Citibank World Elite MasterCard Ultime Credit card free of charge for card maintenance
Support and service

The most experienced financial professionals at Citi Handlowy

Superior services within Private Banking are guaranteed by a Relationship Manager in the rank of Director and support of the team of the most experienced financial professionals at Citi Handlowy. During each meeting at Citigold Private Client branch, you can get support provided by:

  • Citigold Private Client Relationship Manager
  • Portfolio Counselor
  • Foreign Exchange Market Expert
  • Business Adviser
  • Bond Consultant
  • Personal Broker at Brokerage Office

Contact Us

If you have questions about the offer, or want to become a client Citigold Private Client you can do it here.

Bank Handlowy w Warszawie S.A. (“Bank”) provides Investment Advisory service solely to customers who have entered into the agreement for this service, and solely in the scope of the products covered by the agreement (units of open-ended mutual funds, investment certificates not allowed for trading in an organized market, structured notes and Polish treasury bonds). A failure to act in compliance with the Investment Recommendation may take the customer a few steps back from the Recommended Tactical Portfolio. Acting in compliance with the Investment Recommendation does not guarantee increasing, maintaining or reducing the value of the Customer Portfolio. A high percentage of assets not covered by the investment advisory service may prevent us from bringing the customer to attain the Recommended Tactical Portfolio.

The Service shall be conditional which means that:

  1. the Bank is not covered by the total ban on accepting cash benefits or non-cash benefits from a third party due to Service provision. The Bank shall be authorized to collect those benefits, including a fee from issuers or providers of financial instruments covered by the Service on the terms and conditions hereof, of the Act and other laws;
  2. Investment Recommendations may concern both (i) solely financial instruments issued and/or provided by the entities being Bank Group (Citigroup) members and (ii) such instruments and other instruments issued and/or provided by entities other than Citigroup members.

As part of the service provided, after the investment recommendation is issued, the Bank provides the Customer with the investment recommendation document, along with the suitability report that contains reasons why the recommendation is suitable for the Customer.

Due to the Service provision, the Bank – by virtue of internal procedures and applicable laws – shall assess whether the Investment Products covered by the Service meet the needs of the Customers provided with the Service, considering the defined Target Group of Customers; further, the Bank shall ensure that the products are covered by the Service only when they are in the interest of Customers. To that end, the Bank shall identify a proper Target Group for the given Investment Products covered by the Service. The said assessment shall be made independently from the Suitability Assessment. The Bank shall draft, implement, apply and review the solutions used by it to provide the Service to ensure that Investment Products covered by the Service and the related distribution Strategy of the Bank – within the services individually provided by the Bank – are suitable for the Target Group.

Investment products and unit-linked insurance products (“Products”) are not a deposit, obligation nor are guaranteed by Bank Handlowy w Warszawie S.A. or by any of Citigroup subsidiaries or affiliates, except for the investment products issued or guaranteed by Bank Handlowy w Warszawie S.A. or a subsidiary or affiliate of Citigroup. For investment products, capital protection and/or an interest guarantee scheme, if applicable, is the responsibility of the issuer of a given investment product. Products offered by the Bank are not guaranteed by the State Treasury, the Bank Guarantee Fund (except for the receivables from deposit certificates and dual currency investments subject to obligatory monetary fund guarantee scheme according to the Act on Banking Guarantee Fund, deposit guarantee scheme and obligatory restructuring dated June 10, 2016) nor by any other government institution. Amounts receivable from an insurance agreement are secured by the Insurance Guarantee Fund in the scope referred to in the Act on obligatory insurance, Insurance Guarantee Fund and Polish Motor insurers’ Bureau dated May 22, 2003. This means that if the Insurer becomes insolvent in the cases as defined under the above Act, the Insurance Guarantee Fund shall cover in part the claims of beneficiaries under the life insurance contracts, in the amount of 50% of the claims but not more than up to the Polish zloty equivalent of EUR 30 000.00.

Products bear investment risk, including the possibility of losing invested capital. Upon taking a decision to purchase or sell an investment product, customer should take into account the existing risk which stems from taking an investment decision, and in particular the possibility of a change in prices of financial instruments covered by that decision contrary to the customer's expectations and, consequently, a possible failure of attaining the profit that was assumed by the customer. The past performance of investment products, investment portfolios and the levels of stock market indices and foreign exchange rates as well as insurance capital products, which affect returns on investment, are no guarantee of their future profits.

When making investment decisions, one should take into account the investment portfolio diversification and consider not only the assets in the products available through Bank Handlowy w Warszawie S.A. but also the assets in other financial institutions. Asset concentration understood as a high share of the investment product, instruments of the same type or of the same issuer or the same asset class in the investment portfolio may generate greater risk than the diversified approach to these elements, which is important for the matching of the portfolio to individual investment objectives and risk acceptance. It is recommended to discuss with us the general structure of the investment portfolio and possible diversification options.

Client shall be liable to the capital gains (including interest gains) tax. Bank collects the tax payment or advance tax payment on behalf of the client only if it has been explicitly laid down under the Polish law applicable in this respect or under the agreements on avoidance of double taxation that are binding upon Poland. Bank is an entity that is not authorized to interpret tax provisions, nor is it authorized to provide tax consultancy services within the meaning of the Tax Consultancy Act. Therefore, the above information may not be considered a tax opinion. In order to obtain accurate information on possible tax consequences, you need to approach entities that have relevant authority for opinion, or request that a relevant tax authority provide a written interpretation of the scope and the manner of the tax law application.

The Bank hereby notifies the Customer that it shall record phone calls and save electronic mailing pertaining to the Service as far as admitted by law. The Bank shall perform the foregoing even when the calls made or mailing exchanged do not lead to conclusion of transactions or placement of orders concerning the financial instruments covered by the Service by the Customer.

Take advantage of a 6-month 8% deposit up to PLN 2,5 million with a Citigold Private Client account.
Take advantage of a 6-month 8% deposit up to PLN 2,5 million with a Citigold Private Client account.
The websites of Bank Handlowy w Warszawie S.A. use cookies to ensure the best Citibank Online user experience and collect the data which allow us to optimize the use of our websites optimization and deliver the best marketing experience. If you do not want to install them, go to the settings section in your browser. click here to learn more.