- Home
- Forward Together
- UPI
UPI Transition for Citibank Customers
As we move forward in the transition of Citi’s consumer business in India to Axis Bank, we would like to introduce you to our innovative digital payment services and experience seamless and secure banking on the go.
The migration of Citi relationships is expected to be completed by the first half of financial year 2024-25 and we will keep our customers informed of the same. Be rest assured, you can continue enjoying UPI services from the migration day itself seamlessly.
Post the migration, you will simply need to re-register your migrated account for UPI on the Axis Bank Mobile App, open and other UPI apps like Google Pay, PhonePe, etc. Just follow few simple steps as explained below.
Steps to register on Axis Bank Mobile Banking app, open :
STEP 1
Download & Login open by Axis Bank.
STEP 2
Select the Bank account that needs to be linked for BHIM UPI, under Payments & Transfers
STEP 3
Create your new UPI ID/ VPA*
STEP 4
Authenticate using your Citi branded Debit card
STEP 5
Set your 6 digit UPI PIN
STEP 6
Link your UPI number and its done!
Steps to register on Third Party UPI Applications:
STEP 1
Login to the UPI App of your choice
STEP 2
Tap on Add bank account option in the profile section
STEP 3
Select Axis Bank
STEP 4
Select the migrated account from the list
STEP 5
Enter the details of your Citi-branded Debit Card
STEP 6
Choose a new UPI PIN and its done!
What’s in store for you ?
You will have access to all previously available services as well as many additional UPI features
UPI Lite
Simplified, Pin less, small value payments.
UPI Autopay
Convenient automated recurring payments.
Set PIN using Aadhar
Set UPI PIN using the Aadhar OTP.
For any further queries and more information on UPI
Frequently Asked Questions
Will I be able to use the Citibank UPI ID post the migration to Axis Bank?
Your Citibank UPI ID will stop working post the migration. If you have registered your UPI using your Citibank account on third-party UPI applications, you will be required to re-register using your new Axis Bank UPI.
How will I register my new Axis Bank account on UPI?
You can register your new Axis Bank account on UPI by logging in to the Mobile Banking App, open or via any third-party applications like Google Pay, PhonePe, etc. using the add bank account option.
Will I be able to register all my migrated Citibank accounts on UPI?
Yes, you will be able to register all single savings accounts, single operation joint savings accounts, sole proprietorship current accounts, and NRI accounts as per the UPI policies of Axis Bank. However, you will not be able to register accounts of minors and Hindu Undivided Families (HUF).
If I link my Axis Bank account on UPI, will I be able to use the same set of services available to me earlier?
Yes, you will be able to access all services available to you previously. Additionally, you will also be able to access UPI services like UPI AutoPay, UPI Lite and Aadhaar OTP for PIN set / reset when you link your new Axis Bank account.
If I register my Axis Bank account on third-party UPI applications (e.g. Google Pay, Paytm, PhonePe etc.), will my UPI ID or Virtual Payment Address (VPA) remain the same?
While your profile with the UPI application will remain the same, the third-party application may choose to assign a new UPI ID for this new account. It is recommended that you re-check the UPI ID post registration before sharing the details with anyone.
Your UPI ID may change for third-party apps like Google Pay, PhonePe, Amazon Pay, and WhatsApp. For other apps like BHIM, Samsung Pay, Cred etc, your UPI ID or Virtual Payment Address (VPA) will remain the same
I already have an account with Axis Bank which I have linked to UPI, will I be able to link my migrated Citibank Account as well?
Yes, you will be able to link your migrated Citibank Account with UPI as well even if you have an existing Axis Bank account.
One of my Citibank accounts is a minor account which was linked to UPI, will I be able to link that account to UPI as well?
We currently do not support the functionality for linking minor accounts on UPI, please useother modes of payment for this account.
Will the UPI PIN for my Axis Bank account be the same as the UPI PIN used for my Citibank account?
No, you will be required to set a new 6-digit UPI PIN once you register your Axis Bank account on UPI. This PIN will be common across all UPI applications, and you can set it up using your Citi-branded Debit Card or Aadhaar based OTP, if your Aadhaar has been registered with the Bank.
I use multiple UPI applications (Mobile Banking App or third-party applications like Google Pay, PhonePe). Will I have to register my Axis Bank account in all applications after the migration?
Yes, you will have to link your account on all applications. However, once you set up your PIN on any application, you need not set the PIN again on other application(s). Once you register on the Mobile Banking App, open by Axis Bank, and set the PIN, you will not have to set the PIN again on other third-party applications during registration. We recommend registering on the Mobile Banking App, open for a seamless transition.
What will I need to do in case I forget my UPI PIN after migrating to Axis Bank?
You will be able to reset your UPI PIN on the Mobile Banking App, open or any third-party UPI application by using your existing debit card or Aadhaar based OTP, if your Aadhaar is registered with the Bank.
How do I change my registered mobile number for UPI transactions with Axis Bank?
You can reach out to our phone banking team for changing the mobile number linked with your bank account. This will change your registered number for UPI as well.
How do I deactivate my UPI account with Citibank after transitioning to Axis Bank?
You are not required to deactivate your UPI account with Citibank since the Citi Mobile App and Citibank Online will not be functional post the migration. If you still need to delete your UPI account, you can do the same across respective third-party UPI applications.
If somebody makes a payment to my Citibank UPI ID using Google Pay or PhonePe after the migration, will the payment go through?
In case someone sends money to your account using your Citibank UPI ID, the transaction at the sender’s end would fail and the funds would be returned to your sender’s account. Toavoid the same, re-register your UPI ID with the Mobile Banking App, open or any third-party UPI application and share the new UPI ID with the sender.
f somebody makes a payment to my phone number linked to my Citibank account after the migration, will the payment go through?
Post the migration, if someone is making a payment to you via UPI using your phone number,the funds will be credited to one of your other linked accounts. In case your Citibank account was the only account linked to UPI, the payment will not go through. To avoid the same, re-register your UPI ID with the Mobile Banking App, open or any third-party UPI application and share the new UPI ID with the sender.
If I have not registered my Citibank UPI ID on a third-party UPI application, will I continue to receive money through UPI?
You will receive the money if you and your sender are using the same UPI application, and you have multiple accounts linked on the same UPI application. Sender will not be able to initiate the transaction if you are not registered on the same UPI application that the sender is using. We recommend linking your new Axis Bank account by registering your UPI ID in any third-party application of your choice.
I regularly receive payments to my Citibank account, will I continue to receive funds using the existing Citibank account number and IFSC?
Post the migration, your account number will remain the same. However, your IFSC has changed. Please request your remitters to start using the new Axis Bank IFSC and the existing Citibank account number for all transactions. In case your transaction fails, the funds would be returned to the sender.
I have shared the UPI QR code generated for my Citibank account through third-party UPI applications to receive money, will that continue to work post the migration?
No, the QR code will also cease to function post the migration and will result in failure of the transaction. You will have to generate a new QR code for your newly linked Axis Bank account and share the same for receiving funds.
Will there be any change in the transaction limits or the number of transactions that can be done, post the migration?
Existing daily UPI limits for fund transfer and merchant payments will continue to apply for the newly migrated accounts. However, for a new registration, a transaction limit of INR 5000 / 24hr will apply for the first 24 hours for Android users and the first 72 hours for iOS users.
Will I be able to use UPI autopay / mandates after the migration?
With your new Axis Bank account, you can now set up UPI autopay / recurring mandates.
What will happen to the refunds / complaints I have raised for UPI transactions done on my Citibank account prior to the migration?
Resolution for the complaints or queries raised prior to the migration will happen through your Axis Bank account post the migration. Any refunds that are to be received, will be credited to your Axis Bank account.
I had initiated a UPI transaction some time before the migration day, funds were deducted from my account but the recipient did not receive the same. Will I receive a refund for this?
After checking the details of the transaction, a refund or confirmation of completion, as applicable, will be shared with you. If a refund has to be issued, the same will be credited to your Axis Bank account.
I haven’t yet received a payment that was made to me, but the amount has been debited from the sender’s account. What do I do?
After checking the status of the transaction, a refund or confirmation of completion, as applicable, will be shared with you. If the amount is not credited to your Axis Bank account, a refund will be issued to the sender.
Will my Citibank UPI transaction history be transferred to Axis Bank?
Yes, your Citibank UPI transaction history for your account will be transferred to Axis Bank. However, it will not be visible on the Mobile Banking App, open or Internet Banking for you to view. You can reach out to our phone banking team for any queries and concerns regarding your past transactions. Call 1800 103 5577, 1860 419 5555 for more information.
Latest Video
Contact Now
- Call us at 1860-419-5555 or 1860-500-5555 (local charges applicable) / 18001035577 (Toll Free)
- Phone Banking teams are available 24x7 for all your banking needs.
- Chat online at www.axisbank.com/support
Citi India consumer banking customers are now served by Axis Bank.
Citi India has transferred ownership of its consumer banking business to Axis Bank (registration number L65110GJ1993PLC020769) with effect from 1st Mar 2023.
Consumer banking customers can continue to use all existing Citi products and/or services, branches, ATMs, internet banking and Citi Mobile®App as usual. Axis Bank is the provider of Citi branded consumer banking products in India temporarily and Citi India is providing certain services in respect of those products.
The trademarks “Citi”, “Citibank”, “Citigroup”, the Arc design and all similar trademarks and derivations thereof are used temporarily under license by Axis Bank from Citigroup Inc. and related group entities.
