Citibank

Does Citibank have Zelle? Yes: Citi offers Zelle from eligible Citibank checking accounts in Citi Online and Citi Mobile. Standard accounts can send $2,500 per day and $15,000 per rolling 30 days once tenured. A domestic wire costs $30 online or $35 through a branch, an incoming wire $15, and online domestic wires processed before 6:45 PM ET generally go the same business day.

At a glance

• ZelleYes, in Citi Online and Citi Mobile, from eligible Citibank checking
• Zelle limits$2,500 per day, $15,000 per rolling 30 days (Standard, tenured)
• Domestic wire out$30 online, $35 through a branch or banker (Standard)
• Incoming wire$15, domestic or international (waived for Citi Priority and above)
• International wire out$40 online in U.S. dollars, $45 through a branch or banker (Standard)
• Wire cutoff6:45 PM ET domestic, 6:00 PM ET international (online)

Sources: Zelle Terms and Conditions · Consumer Deposit Account Agreement · Wire transfers · Checked on September 27, 2026

Zelle at Citibank

Citi’s Zelle Terms and Conditions cover transfers “from your eligible Citibank checking account” using Citi Online or Citi Mobile.

Consumer limits in the terms:

The daily limit runs from 12:00:00 AM to 11:59:59 PM ET. Monthly limits are “measured on a rolling 30 calendar day basis,” and “Limits apply with respect to the Account, not each authorized account signer.”

Source: Zelle Terms and Conditions · Checked on September 27, 2026

Small business limits, the mobile-carrier rule and what to do when you reach the cap are in citi zelle limit.

Wire transfers at Citibank

Source: Consumer Deposit Account Agreement, November 20, 2025 edition, wire fee amendment effective August 1, 2026 · Checked on September 27, 2026

Online wires are “generally sent the same business day if processed before” 6:45 PM ET for domestic and 6:00 PM ET for international wires. An older Citigold Private Client PDF gives 6:00 PM ET and 5:15 PM ET; those are earlier cutoffs.

The amendment effective August 1, 2026 raised Standard online outgoing wires to $30 domestic and $40 international (USD), and Citi Priority to $25 and $35. The citi.com wire-transfers page still shows the earlier $25 and $35 Standard ($17.50 and $25 Citi Priority).

Citigold Private Client pays no wire fees in any channel. Citigold pays $35 domestic and $45 international through a branch or banker. Intra Citi Transfers to another customer’s U.S. Citibank account have been free since November 8, 2025. “Standard” means accounts in simplified banking outside a Relationship Tier.

Standard accounts can send online domestic and international USD wires of up to $50,000 per account per business day; Citi Priority, Citigold and Citigold Private Client have no such limit. Foreign-currency online wires go up to $50,000 (USD equivalent) per transaction for Standard and $500,000 for Citi Priority and above.

Sources: Wire transfers · Consumer Deposit Account Agreement · Checked on September 27, 2026

External transfers (ACH)

Inter Institution Transfers move money between Citi and your accounts at other banks. Instructions received before 12:30 PM ET go by same-day ACH; later ones go next-day.

Source: Inter Institution Transfers terms and conditions · Checked on September 27, 2026

If a transfer is late or went wrong

If a Zelle payment is stuck, see Zelle payment pending and cancel a Zelle payment; for a payment made under a scam, Zelle scam refund. For wires, see how long do wire transfers take and wire transfer not received. Contact Citi through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.