• Step 1: Access IMPS under the ‘Payments & Transfer’ section – under ‘Banking > Transfer Funds’ on Citibank Online and sidebar on the Citi Mobile app.
• Step 2: Add a Payee on Citibank Online or the Citi Mobile App, or make a payment to an already registered payee
  
  Login to Citibank Online or the Citi Mobile App and add a payee for IMPS Fund Transfers using your Account number and IFSC.
  
  Please note that your existing Fund Transfer payees whose banks are participating in IMPS via Account number and IFSC code will automatically be eligible for IMPS transactions. Your daily transaction limit is INR 2 lacs. There are no limits on incoming transactions.

• Step 3: Transfer Funds to the Payee

  Using Citi Mobile:

  • In sidebar, under ‘Payments and Transfers’ choose ‘To Other Bank Account’.
  • On the next screen, choose your account and press ‘Please Select Beneficiary’.
  • On the next screen choose IMPS (only if amount is less than INR 200,000).
  • Select the beneficiary.
  • Enter the amount and press confirm

  Using Citibank Online

  • Click on the ‘Banking’ tab.
  • Select ‘Transfer Funds’ from the sidebar.
  • Click on the ‘To Other Bank Account’ sub-tab.
  • Click on ‘Make Payment Now’ in front of the payee you want to transfer to.
  • Select ‘Immediate Transfer (IMPS)’.
  • Choose the account you wish to pay from, input the amount, choose remarks (if any) and press ‘Continue’
  • Accept the T&Cs and press ‘Confirm’.
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  Note: To receive funds, you need to share you Citibank Account number and IFS Code with the remitter. They can then use it to transfer funds via IMPS. There are no limits on incoming transactions. You can instantly transfer credit to the Beneficiary Account.

If you are making a fund transfer for the first time, you will be required to register the beneficiary/payee.

Step 1: Login to Citibank Online and go to ‘Payments & Transfer’ section, under ‘Banking > Transfer Funds’ or in the sidebar on the Citi Mobile app.

Step 2: Provide details of the destination account number, city and the amount to transfer. Additionally, provide details of the beneficiary bank, branch and location or alternatively provide the IFSC code, to identify the destination branch.

Please note that the daily transaction limit for transferring funds to a new payee is INR 50,000 for the first 24 hours.

Step 3: Citibank will send you a one-time use six digit OTP (One Time Password) to your registered mobile number. Use this OTP to authorise your payee registration and complete the transaction. Alternatively, you can make a payment to an already registered payee by selecting the beneficiary account and choosing NEFT/RTGS as the mode of payment.

Note: For any transfer, whether within or outside Citibank, you can also register a Standing Instruction for making the transfers at regular intervals automatically.

Channel				Daily Transaction Limit [Subset of overall daily limit]	Speed of Transfer
NEFT				Monday to Friday and working Saturdays (1st, 3rd and 5th Saturdays are working): • 8 am to 7 pm (Normal daily limits apply) Citibank Online – INR 75 Lacs for Citigold Private Client & Citigold customers; INR 25 Lacs for others; Mobile Banking – INR 25 Lacs for Citigold Private Client & Citigold customers; INR 15 Lacs for others; • 7 pm to 8 am (next working day) - INR 3 Lacs (Combined limit for NEFT and RTGS) Sundays and Bank Holidays: For the entire duration of the non-working period - INR 3 Lacs (Combined limit for NEFT and RTGS)	Available 24*7 Credit to Beneficiary account in batches.
RTGS					The Service available 24x7. However RTGS transfers initiated between midnight and 4 AM will be processed after 4 AM