FRAUD PROTECTION

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

Fraud Protection.
Protect Your Information
Keep all your bank-related documents secure.

Keep all your bank-related documents secure.

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

Safeguard your PINs.

Safeguard your PINs.

Do not share your PINs, usernames or passwords 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. Remember, Citi® will never ask you to share these.

Never sign on blank forms.

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.

Check your statement and recent transactions.

Make it a habit to check your recent transactions at least once a week by logging on to Citibank® Online or via Citi Mobile® on your phone. You may also enroll in Citi® Alerts and Citi® e-statement to receive information on your account through SMS or email. If you have received several spam text messages, emails or phone calls, please immediately check your accounts for any discrepancies. Should you find any discrepancies in your transactions, please inform us by calling our 24-Hour CitiPhone®.

Regularly update your details.

Regularly update your details.

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

Set up account alerts.

Set up account alerts.

Register for account alerts to receive text message or email alerts regarding your account such as bank account balances, large purchases or withdrawals so suspicious activities can be immediately detected.

Internet & Mobile Banking Security

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

Transact only through secure websites.

Transact only through secure websites.

  • Do business only with companies you know and trust and never disclose banking details on any third party sites or sites not owned by Citi®. When accessing Citibank® Online, make sure you enter www.citibank.com.ph as the website address.
  • Citibank® Online uses 256-bit encryption which converts your data into a code making your information hard to decode by hackers.
  • Look for the padlock symbol at the bottom of the web page and check if the log-in page changes from “http://” to “https://” to ensure the site is running in secure mode before you input sensitive information.
Protect your passwords, PINs and account information.

Protect your passwords, PINs and account information.

  • Change your PINs and passwords as often as you can.
  • Make sure that your password is not based on your personal information. Use combination of at least six characters and cases, without repeating any digit or character more than once.
  • Use separate passwords for online banking websites and non-banking websites.
  • Do not save your sign-on information when logging on through public computers and ensure that no one is watching you while you key in your username and password.
  • 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.
  • Deactivate the "Auto Complete" function of your browser and do not select the auto-save option on browsers for your username and passwords.
  • Create a back-up of all critical files so you may refer to these in case your account or your identity has been compromised.
Use software protection.

Use software protection.

  • Make sure that your home computer has the most current anti-virus software and security patches. Regularly scan your computer for viruses before logging on to any website.
  • Install a personal firewall to help prevent unauthorized access to your home computer.
  • Do not install software or run programs of unknown origin. While software can claim to improve your computer’s performance, it could also be spyware which collects your information without your consent.
  • If you are using Windows as the operating system, ensure File & Print sharing is disabled.
Beware of scam emails.

Beware of scam emails.

  • Do not provide sensitive information via email as scam emails are usually disguised as a personal email from a friend.
  • Do not open attachments from unknown senders.
  • 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 9999995 9999.

Securely transact with your mobile phone.

Securely transact with your mobile phone.

  • Make sure that your mobile phone software is up-to-date.
  • 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 antivirus software and do not download applications from unsecure sources. When downloading the Citibank Mobile app, make sure it is from the Apple App Store or Google Play.
  • When making your phone an access point or wireless hotspot, create a strong password and encryption. Disable broadcasting your network name and only allow registered machines to access your wireless network.
  • Monitor your telecommunication accounts. If your SIM Card has been cancelled without any request from you, it could mean that you have been a victim of SIM Card Swap Fraud. This type of fraud allows fraudsters access your account and perform unauthorized transactions.
Protecting Your Credit Card

Click on Plus Sign to expand and on Minus Sign to minimise the details.

Sign your card immediately.

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.

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.

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.

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.

Don't give your credit card to anyone.

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

Have peace of mind with Citi Card Protection.

Have peace of mind with Citi Card Protection®.

Protect yourself from fraudulent transactions in case of card loss or identify theft.

Smart chip credit cards

Enjoy safer transactions anywhere in the world

Frequently Asked Questions

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

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.

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

Yes, you can.

For online purchases, the same payment process will apply.

For Citi 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+63 2 995 9999 to request for a new PIN. Also, please note that the Cash Advance availment fees and interest charges will apply.

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

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

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.

Protecting Your Bank Account
Be vigilant when transacting through ATMs.

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.

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.
Fraud Assistance
Call us immediately.

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 9999995 9999.