Citibank Online

1. What is OAC?

OAC stands for Online Authorization Code. It’s a 6-digit code issued for every new payee Citibank Online customer adds to make transfers. This payee can be another customer of Citibank Pakistan, or a Citibank customer abroad. You can activate payee by receiving OAC via sms on your mobile and/or email if you are enrolled on CitiAlert, or you can call CitiPhone at 111 222 222 to get payee activated.

2. Why is OAC required for making transfer?

OAC guarantees that every new payee that you wish to make transfer to is personally authorized by you through 6-digit code given to you for that payee.

3. Do I need to enter OAC if I wish to make transfer to a payee I have already activated before?

No. A payee needs to be activated only once. Next time you wish to make transfer to a payee already activated before, you can make it without further activation process.

4. How do I get OAC via sms and/or email?

You can receive OAC via sms and/or email if your CitiAlert service is activated. All you need to do is to just check on a checkbox given when you add a new payee, which notify us of your wish to receive OAC via sms and/or email. However, if you are not a CitiAlert customer, you can call CitiPhone at 111 222 222 and ask our CitiPhone officer to activate the payee for you.

5. What happens to my existing payees on Citibank Online?

Since your existing payees are not new payees and are already active, OAC is not required for their activation. Thus, they remain unaffected. You can continue to make transfer to existing payees as you normally do.

6. Do I need OAC to pay my bills through Citibank Online?

No. OAC is only required for the following payees:

Payee who is another customer of Citibank Pakistan
Payee who is a customer of Citibank of any other country (“Abroad”)

To pay utility bills, simply add the payee (InstaPhone, Mobilink, Paktel, PTCL Islamabad, PTCL Karachi, or PTCL Lahore) and go to Utility Bill Payment section to make the transfer. Such payees are automatically activated.

7. What is the process for adding and activating a payee through Citibank Online?

Adding a Payee:

1. After logging onto Citibank Online, select Transfer & Payments from top menu.
2. In Transfer & Payments section, select Add a Payee. You will see a screen which gives option to select payee for Utility bill payments, or payee who is a Citibank customer ( Pakistan or abroad)
1. If you select payee who is a Citibank customer in Pakistan, you will be taken to a screen which informs you about OAC activation, and asks you if you wish to receive OAC for this payee via sms and/or email (provided that you are enrolled for CitiAlert). On clicking next, you will be taken to a screen where you are asked to provide Payee Name and Account Number. Next screen will verify your Citibank Online password again, and upon correct password entry, you will be informed that the payee has been added but is inactive. You need to activate the payee through OAC.
2. If you select payee who is a Citibank customer Abroad, you will be taken to a screen which informs you about OAC activation, and asks you if you wish to receive OAC for this payee via sms and/or email (provided that you are a CitiAlert customer). On clicking next, you will be taken to a screen where you are asked choose the country of payee’s account, and then you will provide Payee Name and Account Number. Next screen will verify your Citibank Online password again, and upon correct password entry, you will be informed that the payee has been added but is inactive. You need to activate the payee through OAC.
3. If you select InstaPhone, Mobilink, Paktel, PTCL Islamabad, PTCL Karachi, or PTCL Lahore Number to be added as a payee, the next screen will ask you to enter the number you wish to make payment for. System will then ask for your Citibank Online password again for verification, and your payee will be added and is automatically activated.

Activating a Payee through OAC received via sms and/or email:

• Select Activate Payee in Transfer & Payment section.
• You will see a list of all inactive payees. Pick the payee you want to activate, and enter OAC received for it. Payee will be activated after you enter correct OAC.

Activating a Payee by calling CitiPhone:

• If you are not a CitiAlert customer, or you wish to activate payee by calling CitiPhone, call 111 222 222.
• The CitiPhone Officer will ask your initial verifications, and then will activate payee that you mention to be activated. Note that you have to add that payee through Citibank Online before getting CitiPhone Officer’s help for activation.
• After activation, you will see that payee’s status as Active in your Citibank Online.

8. How do I transfer funds?

To pay your Utility Bills:

• go to Utility Bill Payment section in Transfer & Payments after adding the payee
• Select payee from the list to make payment to, enter payment amount, and click next.
• Enter your Citibank Online password for verification, and on correct password entry, payment will be made.

To make transfer to another Citibank customer:

• Select Transfer to another customer of Citibank, Pakistan or Instant Transfer to Citibank Accounts Abroad from Transfer & Payments section, after adding and activating the payee.
• Select payee account and your own account to make the transfer, state transfer amount, re-enter Citibank Online password, and make the transfer.

9. What type of Citibank Online account is required to make transfer?

For making Utility Bill Payments, your Citibank Credit Card account must be mapped onto your Citibank Online account.
To transfer funds to another Citibank customer ( Pakistan or Abroad), your Citibank Debit Card must be mapped onto your Citibank Online account.
For further help in this regard, call CitiPhone at 111 222 222.

10. How long am I given to activate a new payee?

You will need to activate a new payee within 30 days of adding a payee to your Payee List. If you do not activate it with your OAC or by calling CitiPhone, the new payee will be removed from your Payee List. You will then need to add the payee again if you still wish to transfer funds to that particular payee.

11. What happens if I enter incorrect OAC to activate a payee?

If you enter incorrect OAC, system will prompt you to enter again. On 3 rd incorrect entry, the payee to be activated will be deleted from your payee list and your Citibank Online session will end. To continue your Citibank Online usage, you will have to login again.