Can I open a Citibank account online with an ITIN?

No. Citibank online applications require an SSN. ITIN holders must visit a Citibank branch in person to open an account. Citi International Personal Bank serves non-US residents online but requires a minimum balance of $200,000 in qualifying assets.

What documents do I need at Citibank with an ITIN?

ITIN assignment letter (CP565), valid unexpired passport, proof of US address (utility bill, lease, or bank statement under 90 days), and secondary ID such as a national ID or Matricula Consular. Bring an initial deposit of at least $25.

Does Citibank offer ITIN credit cards?

Citi generally does not advertise ITIN credit card acceptance. Most Citi credit applications require an SSN. ITIN holders typically build credit with a Bank of America, Capital One, or Discover Secured card first.

Updated June 25, 2026

Citibank ITIN: Account Opening for Non-Residents (2026)

Q: Which Citibank account is best for ITIN holders?

Basic Banking is the standard entry-level option with a $12 monthly fee, waivable with one qualifying transaction per month plus a $1,500 average balance. Citi Priority is the next tier ($30/mo, waivable with $30K combined balance) and offers better foreign currency and wire transfer pricing.

Q: Why do ITIN holders choose Citibank?

Citibank's global footprint is the main advantage. Citi has retail operations across 19+ countries, which makes it useful for ITIN holders who maintain banking relationships in their home country. Citi's Global Transfer Service moves money between Citi accounts in different countries in real time.

Does Citibank Accept ITIN Holders in 2026?

Yes, in person at branches in select US markets. Citibank accepts ITINs for personal checking and savings accounts at branches primarily in California, New York, Texas, Florida, and Illinois. Branch-level policies vary. Always call ahead to confirm the specific branch opens ITIN accounts and to verify the document list.

Online Citibank applications generally still require an SSN. ITIN holders apply in person. For non-resident clients with $200,000+ in qualifying assets, Citi International Personal Bank offers cross-border banking services online.

Which Citibank Account Is Best for ITIN Holders?

Citi Account	Monthly Fee	Fee Waiver	Best For
Basic Banking	$12	1 qualifying transaction + $1,500 avg balance	Entry-level checking
Access Account	$10	1 qualifying transaction or 65+	No-overdraft customers
Citi Priority	$30	$30K combined balance	International transfers
Citigold	$0	$200K combined balance	High-net-worth, global

What Documents Do You Need to Open a Citibank Account with an ITIN?

ITIN assignment letter (CP565)— IRS document confirming your ITIN.
Valid passport— current, unexpired.
Proof of US address— utility bill, lease, or recent bank statement.
Secondary ID— national ID or Matricula Consular.
Opening deposit— $25 minimum.

How Do You Open a Citibank Account with Your ITIN?

Call your local Citibank branch. Confirm they open ITIN accounts and schedule an appointment.
Bring all documents. CP565 letter, passport, US address proof, secondary ID, and opening deposit.
Meet with a personal banker. The banker enters your ITIN as your tax ID and walks you through account selection.
Sign signature cards and KYC forms. Citi may also ask about expected account activity and source of funds.
Fund and activate. Deposit funds, set up Citi Mobile, and request your Citi debit card.

Why Do ITIN Holders Choose Citibank Over Other Banks?

Citi's global footprint is the main advantage. Citi has retail operations in 19+ countries, which makes it useful for ITIN holders who maintain banking relationships in their home country. Citi's Global Transfer Service moves money between Citi accounts in different countries instantly at no fee.

For business banking with an ITIN, Citi is not the strongest option; see the Mercury Bank guide. For all US banking options compared, visit the ITIN banking hub. To build US credit after opening your Citi account, start with an ITIN credit card.

Frequently Asked Questions About Citibank with ITIN

Yes for personal accounts in select markets, primarily in California, New York, Texas, Florida, and Illinois. Branch policies vary, so call ahead. Citibank opens personal checking and savings accounts with an ITIN for non-residents who present a passport and proof of US address in person.

Need an ITIN to open your Citibank account? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.