Know more about KYC documents updation & blocked accounts

KYC documents

I received a communication to submit KYC documents for my Credit Card/Bank Account. Why is this required?

As per Reserve Bank of India’s KYC Master Direction*, banks are required to ensure that information on customers as part of the customer due diligence process is kept up-to-date. This includes the identity and address related information.

Accordingly, if you have received a communication stating that your KYC is due, you will be required to provide the required documents to complete this.

Please refer the section – “What documents do I need to submit?” for the documents you need to submit and “Process for updating KYC documents with Citi” for the process to update the documents.

*RBI/DBR/2015-16/18 Master Direction BR.AML.BC.No.81/14.01.001/2015-16, dated February 25, 2016 and updated as on April 20, 2018 and July 12, 2018.

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What documents do I need to submit?

Please refer to the below document list:

For individuals eligible for e-Aadhar/Aadhaar*, following documents are required:

  • List of documents required:
    • PAN Card
    • Aadhaar

By submitting your self-attested Aadhaar Card copy to Citibank, you authorize Citibank to authenticate your Aadhaar number and demographic details (Information) on your Aadhaar Card against UIDAI database and consent for collection, storage, use of the Information by Citibank^.

If your address on the Aadhaar card is not your current address and different from the address for your Citibank account, kindly share one of the following Officially Valid documents(OVD) mentioned below as proof of address:

    • Passport
    • Driving License
    • Voter's Identity Card
    • NREGA Card
    • Letter issued by the National Population Register containing details of name and address

* In terms of the Aadhaar Act, every resident shall be eligible to obtain an Aadhaar number.

* “Resident”, as defined under sub-section (v) of section 2 of the Aadhaar Act, means an individual who has resided in India for a period or periods amounting in all to one hundred and eighty-two days or more in the twelve months immediately preceding the date of application for enrolment for Aadhaar.

^Aadhaar number is required as per the Prevention of Money laundering (Maintenance of Records) Rules, 2005 as amended from time. The Aadhaar number on your Aadhaar Card may be used by Citi to authenticate your Aadhaar number and demographic details (Information) against UIDAI database before updating your account and also share Information with its various departments, affiliates and service providers for any account to which you are signatory(ies) or an account holder or are availing banking services from Citibank currently or may do so in future.

For individuals resident in the State of Jammu and Kashmir or Assam or Meghalaya and individuals not residents as per Aadhaar Act, following documents are required:

    • Valid Driving license containing address (Identity and/or Address proof)
    • Valid Passport containing address (Identity and/or Address proof). Passport will be mandatory for Non-resident Indians
    • Voter's Identity Card (Identity and/or Address proof)
    • NREGA Card (Identity and/or Address proof)
    • Letter issued by the National Population Register containing details of name and address (Identity and/or Address proof)
    • Documents issued by Government departments of foreign jurisdictions containing address on it (acceptable as address proof only if you hold foreign passport)
    • Letter issued by Foreign Embassy / Mission in India mentioning address (acceptable as address proof only if you hold foreign passport)
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Process for updating KYC documents with Citi

You can easily do so by:

  • Using the Citi Mobile India app with its 'Document Upload' feature
  • Logging in to Citibank Online and using the 'Submit Documents' feature there. Click here to upload.
  • Emailing self-attested scans of the document to cardskyc@citi.com (for Credit Card customers), bankingkyc@citi.com (for Banking customers), and mykycdocuments@citi.com (for NRI customers).

# The Citi Mobile India app is currently available for download in the app store/Google play store of the following countries - India, US, UK, UAE, Australia & Singapore.

Standalone Personal Loan and Home Loan customers, please refer to the below section:

For Standalone Personal Loan customers (i.e. no other Citi relationship),

  • Click here to upload the documents on Citibank Online with your Internet PIN (IPIN). Select the purpose of upload as ‘KYC Document Submission’.

For Standalone Home Loan customers (i.e. no other Citi relationship),

  • Email scanned copies of your self-attested KYC documents to mortgagekyc@citi.com from your registered email-id. The attachment size should not exceed 2 MB. OR
  • Send the documents through courier to Citibank Mailroom – “Citibank N.A., Mail Room, ACROPOLIS, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai – 600 004”. OR through ordinary post to “Citibank N.A., P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600 002.

By submitting your self-attested Aadhar Card copy to Citibank, you authorize Citibank to authenticate your Aadhaar number and demographic details (Information) on your Aadhaar Card against UIDAI database.

If you have multiple relationships with Citibank and you have KYC due on more than one of your relationships, please submit your KYC documents for ANY of your relationships to be marked ‘KYC compliant’ for your account. To check all your linked relationships with Citibank, please refer to the ‘Account Summary’ section in Citibank Online or the post login screen in the Mobile Banking Application.

Citi Mobile App is available on both android & iOS platforms. Alternatively, you can SMS ‘MBANK’ to 52484 or +91 9880752484 and we will send you a link to download the app.

Don’t have access to Citibank Online?

  • Click here to get your User ID and Internet IPIN (IPIN), in case you don’t have access to Citibank Online.
  • Forgot your User ID? To retrieve it in 3 steps online, Click here.
  • Forgot your IPIN (Internet Password)? Click here to reset it in just 3 steps online.
Hello*

Checking status of your KYC update

We are in the process of validating the submitted documents for all our customers and updating our systems. You will receive a confirmation once it is updated. In case we require any additional details we will get in touch on your registered mobile number or e-mail ID.

To enable us to process your KYC documents in the shortest possible time, please ensure that-

  • If you have submitted Passport/ Driver’s License/Voters ID/ NREGA card/ Letter issued by the National Population Register (containing details of name and address), the same is valid and not expired.
  • If you have submitted Aadhar and your address as per Aadhaar is not your current address and different from the address for your Citibank account, kindly refer to the question What documents do I need to submit? for the list of Officially Valid documents(OVD).

If we need further information, we will get in touch on your registered mobile number or e mail. Due to huge volumes, our processing time is high, but as we complete your KYC updation, we will inform you on your registered mobile/e-mail.

Credit Card/Bank Account

My Credit Card/Bank Account is blocked. How can I unblock it?

For the full list refer question "What documents do I need to submit?"

To submit the documents please use the below:

  • Using the Citi Mobile India app with its 'Document Upload' feature
  • Logging in to Citibank Online and using the 'Submit Documents' feature there. Click here to upload.
  • Emailing self-attested scans of the document to cardskyc@citi.com (for Credit Card customers), bankingkyc@citi.com (for Banking customers)

Refer question “Process for updating KYC documents with Citi” for more details.

We urge you to submit the Documents immediately.

How can I unblock it?

I am an NRI and my Bank Account is blocked. How can I unblock it?

To submit the documents please refer the below:

  • Using the Citi Mobile India app with its 'Document Upload' feature
  • Logging in to Citibank Online and using the 'Submit Documents' feature there. Click here to upload
  • Emailing self-attested scans of the document to mykycdocuments@citi.com

Also refer the questions “Process for updating KYC documents with Citi” and "What documents do I need to submit?"

Credit Card/Bank Account

My Credit Card/Bank Account is blocked, will Standing Instructions on my card/account be impacted?

Yes. In case you did not submit KYC documents by the specified deadline and the card/account gets blocked, any standing instructions, including but not limited to insurance payments, bill payments, mutual funds etc, will get dishonored. Do note, you would have also received an SMS alert and/or Email informing you of this impact.

Hello*

I have submitted KYC documents but still receive communications to update it. Is resubmission required?

No. You would receive an immediate acknowledgement of receipt once you update your KYC. However, you may continue to receive messages post submission till we update our records. We are in the process of validating documents for all our customers and updating our systems and you will receive confirmation once we finish updating your KYC. In case we require any additional details we will get in touch on your registered mobile number or e-mail ID.

Hello*

I have received a communication stating that my KYC update was rejected. What do I do?

The reject reason(s) will be specified as part of the rejection communication sent to you. We request you to follow the steps outlined in the communication for updating KYC and we will update your account as KYC compliant.

You are advised to submit your documents immediately to facilitate the unblocking process. Please refer to the sections - "What documents do I need to submit?" and “Process for updating KYC documents with Citi” for the documents required and submission process respectively.