Finance management
Finance management
Overview
- Electronic Postal Orders
- SpeedCollect
- International transfers
- usunieta-Rachunek Wielowalutowy
- Direct Debit
- Bank Account
- Liquidity management
- Accounts
- Deposits
- Domestic Transfers
Global Markets
Global Markets

Globalne rynki dostępne na wyciągniecie ręki. Światowej klasy rozwiązania automatyzujące procesy związane z wymianą walut. Wsparcie ekspertów w zarządzaniu ryzykiem kursowym, stóp procentowych czy też cen surowców.
Overview
- FX Partner
Trade finance and services
Trade finance and services

Globalne rynki dostępne na wyciągniecie ręki. Światowej klasy rozwiązania automatyzujące procesy związane z wymianą walut. Wsparcie ekspertów w zarządzaniu ryzykiem kursowym, stóp procentowych czy też cen surowców.
Overview
Debt financing
Debt financing
Overview

Domestic Transfers

This is the most popular way to execute a payment transaction in PLN between two accounts held in Poland.

Elixir

For low-value settlements (below PLN 1 million) and for payments to the accounts of tax authorities.

Express Elixir

For instant payments up to PLN 100,000.

SORBNET

For high-value settlements from PLN 1 million.

Internal transfers

For payments between accounts at Citi Handlowy.

TYPES

standard transfer – a standard transfer for current settlements with counterparties (including ZUS)
VAT Split Payment transfer – a B2B transfer within the split payment mechanism for a VAT invoice
tax transfer – a transfer for settling tax liabilities

SOLUTIONS

Single transaction

e.g., to a counterparty, the tax office, or ZUS.

Bulk payment

debiting the account with a collective amount and executing individual transfers to multiple beneficiaries while maintaining data confidentiality. Bulk payments are typically used for salary payments or other benefits.

Standing order

a recurring transfer that is automatically executed based on the parameters you set, without the need to initiate the same payment each time.

CHOOSE THE TYPE OF PAYMENT DEPENDING ON YOUR NEEDS:

Elixir as the Foundation of Daily Settlements
Express Elixir – Instant Settlements at the Pace of Your Decisions
SORBNET for High-Value Settlements of the Utmost Importance

Why Elixir?

3 settlement sessions every business day
full automation and support for high volumes
the most economical way to transfer PLN

For which settlements?

recurring payments
salaries
invoice payments with a standard payment deadline.

Check cut-off times

Why Express Elixir?

funds in the recipient's account within minutes
24/7/365 availability – including weekends and holidays (excluding downtime for maintenance work)
higher efficiency and automation of the instant payment ordering process thanks to the use of the CitiConnect API – direct connection, settlement, and real-time feedback

For which settlements?

time-critical transactions
urgent, emergency situations
e-Commerce – instant payment for goods or services sold remotely
when instant interaction is needed, e.g., payment of an urgent insurance benefit
salaries, when urgent execution is required

Check cut-off times

Why SORBNET?

secure transfer of high-value capital
settlement via the NBP (National Bank of Poland) – posting usually within 1 hour
no amount limits for a single transaction

For which settlements?

mandatory standard for all transfers of PLN 1 million and above
key capital transactions
real estate purchases
settlements with large counterparties
interbank settlements

Check cut-off times

BENEFITS

Convenient and secure ordering of transfers – in the CitiDirect system, mobile application, as well as through a direct connection with your ERP system (CitiConnect).

Provision of a dedicated form for payments to tax offices and for split payments (VAT Split Payment).

Easy settlements with counterparties and payment of bills from the company account.

Online transfer of payments between accounts within the bank.

Contact us!

Let's talk about the benefits for your company. Please contact your Relationship Manager to find out how our domestic transfer solutions can optimize processes in your organization. We will prepare an offer tailored to your needs and expectations.

Schedule a call