Citibank Philippines Fraud Protection

Find out how you can avoid being a victim of fraud.

Keep all your bank-related documents secure.

After reading all your documents, keep them in a safe and secure place.

Safeguard your PINs.

Do not share your PINs with anyone. Do not write these down where they can be accessed by others. Sharing your PIN allows others to access your account or transact with it.

Never sign on blank forms.

Completely fill out and review fields in any transactional document, (e.g. check) and strike off any blank spaces to remove any room for alteration.

Check your statement.

Make it a habit to check your recent transactions by logging on to Citibank Online or via Citi Mobile on your phone. Should you find any discrepancies in your transactions, please inform us by calling our 24-Hour CitiPhone.

Regularly update your details.

Provide your latest and valid personal details to the bank to ensure correct correspondence.

Enroll in Citi Alerts.

Be informed of suspicious transactions using your credit card or bank account.

To enroll, simply do the following:

In Citibank Online, go to Online Services.

Select Citi Alerts.

Select Fraud Notification and indicate your desired frequency.

Banking online can be convenient and secure with these simple precautions.

Transact only through secure websites.

Do business only with companies you know and trust.
Look for the padlock symbol at the bottom of the web page to ensure the site is running in secure mode before you input sensitive information.

Protect your passwords, PINs and account information.

Change your PINs and passwords as often as you can.
Strengthen your passwords with a combination of characters and cases.
Do not save your sign-on information when logging on through public computers.
Clear your browser's cache and history after each session.
Always log off properly by clicking the "Sign-Off" button at the top of the screen. Do not just close your browser.

Use software protection.

Make sure that your home computer has the most current anti-virus software.
Install a personal firewall to help prevent unauthorized access to your home computer.
Deactivate the “Auto Complete” function of your browser.
Do not install software or run programs of unknown origin.

Beware of scam emails.

Do not provide sensitive information via email as scam emails are usually disguised as a personal email from a friend.
Be careful in clicking links sent through emails.

If you have provided sensitive information to a suspicious website or received an email pretending to be Citibank, please report it immediately to spoof@citicorp.com or our 24-Hour CitiPhone at 995 9999 or 995 1888 for Citibank Savings.

Securely transact with your mobile phone.

After transacting via your mobile phone, delete all SMS messages including your sent items containing your transactional data such as your Citi Mobile PIN.
Do not leave your phone anywhere and avoid sharing it with others.
Create a password for your mobile phone to prevent unauthorized use and access in case stolen.
Install an antivirus software and do not download applications from unsecure sources.

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Tips on protecting your credit card

Sign your card immediately.

Your signature is your safeguard. It can help prevent unauthorized transactions on your card.

Always get your card back after every purchase.

Purchases made using your card should be done in your presence.

Discard your old credit card properly.

Punch a series of holes directly on your card’s magnetic stripe and chip.

Treat your credit card like cash.

If lost, report immediately. Remember that unauthorized usage of your card will be charged to your account.

Don’t give your credit card to anyone.

Citibank will never ask for your credit card even if it’s due for a replacement.

Citi Card Protection

Smart chip credit cards

Enjoy safer transactions anywhere in the world.

Frequently Asked Questions

1.	What is a smart chip credit card?

	The smart chip credit card provides you with enhanced security, which may help reduce the occurrence of credit card fraud.

2.	What happens when I make a payment using my smart chip credit card?

	Your smart chip credit card will be inserted into the credit card terminal instead of swiped. Upon approval of the transaction, you will be requested to sign on the charge slips to complete the purchase transaction. If the terminal being used does not have a slot for a smart chip, your credit card may still be swiped.

3.	Can I use the smart chip credit card overseas?

	Yes, you can. In fact, some stores in Europe prefer to accept credit cards with the smart chip.

4.	Can I use the smart chip credit card for online purchases and to withdraw instant cash from ATMs?

	Yes, you can. For online purchases, the same payment process will apply. For Cash Advance transactions, you will need your 4-digit Cash Advance PIN for ATM usage. If you have forgotten your Cash Advance PIN, please call our 24-Hour CitiPhone at +63 2 995 9999 to request for a new PIN. Also, please note that the Cash Advance availment fees and interest charges will apply.

5.	When will I get my smart chip credit card?

	Your smart chip credit card will be delivered to you before your current card expires.

6.	What if I want to receive my smart chip credit card before my current card expires?

	You may request for one by calling out 24-Hour CitiPhone. A replacement fee of P400 will apply.

7.	Is there an increase in my Annual Membership Fee if I convert my card to have a smart chip?

	No, your annual membership fee will remain the same.

8.	What will happen to my Supplementary Cards, One Bill enrollments, PayLite installment plans and/or other recurring payment arrangements?

	Your Supplementary Cards will be delivered before they expire. Any existing One Bill enrollments and PayLite installment plans will remain. If you have any auto-debit arrangements enrolled directly with the merchant such as gym memberships and insurance premiums, please make sure to update them regarding your new expiry date, as needed.

Be vigilant when transacting through ATMs.

Keep your ATM transaction slips and don't leave these lying around. Never give your ATM card to just anyone.

Protect your checks.

When receiving a new check book, see if there are missing leaves in the series.
Do not pre-sign any leaves in your check book.
Cross your checks so encashment can only be done in the real beneficiary's bank account.
Avoid depositing or encashing checks not directly issued to you.

Call us immediately

If you suspect unauthorized access on your account or notice transactions that you did not initiate, call our 24-Hour CitiPhone at 995 9999 or 995 1888 for Citibank Savings.