How To Login Citibank To Axis Bank

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The acquisition of Citibank's consumer banking business in India by Axis Bank has been a significant event for many customers. If you're a former Citibank customer, you're probably wondering how to access your accounts, manage your services, and generally navigate this transition. Don't worry, we're here to guide you through it!

It's important to understand that your Citibank login credentials will no longer work for accessing your accounts. You'll need to register and set up new login details with Axis Bank.

Let's dive into a comprehensive, step-by-step guide to help you seamlessly log in and manage your erstwhile Citibank accounts through Axis Bank's digital platforms.

Seamless Transition: Your Guide to Logging into Axis Bank as a Former Citibank Customer

Are you a former Citibank customer wondering how to access your accounts now that they've been migrated to Axis Bank? You're in the right place! The transition has been planned to be as smooth as possible, and by following these steps, you'll be able to view and manage your financial relationships with ease.

Step 1: Determine Your Starting Point – Are You an Existing Axis Bank Customer?

This is the very first and crucial step. Your experience will differ slightly based on whether you already hold an account with Axis Bank.

Scenario A: You are already an existing Axis Bank customer.
- Good news! Your migrated Citibank relationships will be mapped to your existing Axis Bank Customer ID. You'll likely just need to log in with your current Axis Bank credentials and your Citibank accounts will appear. However, for credit card/forex card/loan-only customers, a one-time authentication might be prompted.
Scenario B: You are NOT an existing Axis Bank customer.
- This is where you'll need to perform a first-time registration on Axis Bank's digital platforms (Internet Banking or Mobile Banking App). Don't worry, it's a straightforward process designed specifically for former Citibank customers.

Step 2: Choosing Your Digital Platform – Internet Banking or Mobile App?

Axis Bank offers both Internet Banking and a Mobile Banking App. You will need to register separately for both platforms if you wish to use both. We'll cover both options.

Sub-heading: Accessing Axis Bank Internet Banking (Recommended for First-Time Setup)

Internet Banking often provides a more comprehensive view and easier navigation for initial setup.

Visit the Official Axis Bank Internet Banking Portal:
- Open your web browser and go to the dedicated portal for former Citibank customers: https://omni.axisbank.co.in/axisretailbanking/
- Be sure to bookmark this link for future convenience!
Initiate the First-Time Login for Former Citibank Customers:
- On the landing page, look for a section or button clearly labeled 'Login' under 'First Time Login for Former Citibank Customer' or similar. Click on it.
Authenticate Yourself (Crucial for Security):
- You will be prompted to authenticate your identity. Axis Bank provides a few convenient options for this:
  - Using your Axis Bank Customer ID: If you have received a new Axis Bank Customer ID (this would have been communicated to you via email or SMS), you can use this.
  - Using your Citi-branded Debit Card details: This is a common and easy method. You'll need your full Citi-branded Debit Card number and ATM PIN.
  - Using your Citi-branded Credit Card details: Similarly, you can use your full Citi-branded Credit Card number and Credit Card PIN.
  - Using OTP Authentication (with registered mobile/email): This method will typically involve entering your registered mobile number or a unique ID (like your Citibank User ID) and receiving OTPs on your registered mobile number and/or email ID.
OTP Verification (The Security Check):
- After providing your chosen authentication details, an One-Time Password (OTP) will be sent to your registered mobile number and/or email ID.
- Carefully enter the OTP(s) in the designated fields to proceed. Ensure you have access to your registered mobile number and email.
Set Your New Login Credentials (Your Axis Bank Identity):
- This is where you create your new digital identity with Axis Bank. You will be asked to:
  - Set a new Password: Choose a strong, unique password that you can remember but is difficult for others to guess. Combine uppercase and lowercase letters, numbers, and special characters.
  - Set Security Questions: These are important for recovering your account if you forget your password. Choose questions whose answers you will easily recall but are not publicly known.
  - Set your personalized Login ID: This will be the username you use to log in to Axis Bank Internet Banking going forward.
Confirmation and First Login:
- Once you've successfully set your new credentials, you'll receive a confirmation message.
- You can now use your newly created Login ID and Password to log in to Axis Bank Internet Banking.

Sub-heading: Registering and Logging into the Axis Bank Mobile Banking App

The mobile app offers convenience and on-the-go banking.

Download the Axis Bank Mobile Banking App:
- Go to your device's app store:
  - For Android: Google Play Store
  - For iOS: Apple App Store
- Search for "Axis Bank Mobile Banking App" or "Axis Mobile" and download the official application. Always ensure you are downloading the genuine app from the official developer.
Open the App and Start Registration:
- Launch the Axis Bank Mobile Banking App.
- Tap on "Login to your Axis account".
Grant Necessary Permissions:
- The app will likely request certain permissions (e.g., SMS, location). Allow these permissions for a seamless banking experience.
Verify Your Mobile Number:
- The app will typically initiate an SMS verification from your registered mobile number.
- If SMS delivery fails, you might be prompted to manually enter your registered mobile number to receive an OTP.
- Confirm the OTP to proceed.
Complete Registration with Authentication Details:
- Similar to Internet Banking, you'll need to authenticate yourself using one of the following:
  - Axis Bank Customer ID
  - Citi-branded Debit Card details (card number, expiry, ATM PIN)
  - Citi-branded Credit Card details (card number, expiry, Credit Card PIN)
  - Forex Card details (if applicable)
  - Loan account details (if applicable)
Set Account Nickname and MPIN:
- You may be asked to enter a nickname for your account.
- Create an MPIN (Mobile Personal Identification Number). This is a shorter PIN used for quick logins to the mobile app.
- Consider enabling biometrics (fingerprint or facial recognition) for enhanced security and convenience, if your device supports it.
You're In!
- Once registered, you can log in using your newly set MPIN or biometrics. You should now be able to view all your migrated Citibank relationships within the Axis Bank Mobile Banking App.

Step 3: Exploring Your Migrated Accounts and Services

Once you've successfully logged in, take some time to familiarize yourself with the Axis Bank interface.

Viewing Your Accounts:
- Look for sections like "Accounts," "My Accounts," or "Summary" to see all your savings accounts, current accounts, and fixed deposits that were migrated from Citibank.
- You should be able to see past data of your migrated savings accounts.
Credit Cards:
- Your erstwhile Citi-branded credit cards will be migrated. While you might receive a new Axis Bank credit card later, your existing Citi-branded card continues to work.
- You can access and manage your credit card statements, make payments, and view reward points within the Axis Bank platform. Note that your reward points will be converted to Axis EDGE REWARD Points or EDGE Miles, with their monetary value maintained.
Loans and Mortgages:
- Your existing home loans, personal loans, or other credit facilities from Citibank will also be visible and manageable through Axis Bank's platforms. The terms and conditions generally remain unchanged.
Investments and Demat Accounts:
- Your investment portfolio under Citi Investment Services Account (ISA) will be migrated to Axis Bank.
- Individual demat accounts will be seamlessly migrated to Axis Securities Ltd.
- Existing SIP registrations will also be mapped.
Payees and Beneficiaries:
- Good news! The payees and beneficiaries you had added in your Citibank account should be migrated to Axis Bank.
- Important Note: If a payee with the same account number existed in both your Citibank and existing Axis Bank account, the Axis Bank payee will be retained to avoid duplication. Also, special characters in payee names might be replaced with spaces.

Step 4: Updating UPI and Other Third-Party Linkages

This is an important action item you need to take.

UPI ID Changes:
- Your Citibank UPI ID will stop working post-migration.
- If you registered your UPI using your Citibank account on third-party UPI applications (like Paytm, Google Pay, PhonePe, etc.), you will need to re-register for your new Axis Bank UPI ID on those applications. You will have to link your new Axis Bank account to these applications. Once you set your UPI PIN on one application, you usually don't need to set it again on others.
Standing Instructions and Bill Payers:
- While payees are generally migrated, it's advisable to verify any standing instructions, recurring payments, or biller registrations to ensure they are set up correctly on the Axis Bank platform. You might need to re-set some of these if they were linked directly to your old Citibank credentials.

Step 5: Staying Informed and Seeking Support

The transition process has largely been completed, but it's always good to stay updated.

Check Official Communications:
- Keep an eye on your registered email and mobile number for any official communications from Axis Bank regarding your accounts or services.
Utilize Axis Bank Support:
- If you encounter any issues during the login or access process, or have questions about your migrated accounts, reach out to Axis Bank customer care. You can find their contact details on the official Axis Bank website or within the mobile app. Former Citibank phone banking lines may also continue to be supported for a period.

10 Related FAQs (How To...)

Here are 10 frequently asked questions, starting with "How to," along with quick answers to help you further navigate the Citibank to Axis Bank transition:

How to access my old Citibank statements after migration?
- You will be able to access all past data of your migrated savings account through Axis Bank Internet Banking and Mobile Banking App. Just log in and navigate to your account statements.
How to retrieve my new Axis Bank Customer ID if I don't know it?
- When logging into Axis Bank Internet Banking or the Mobile App, select the OTP process for registration. Click on 'Get Customer ID' and enter your registered mobile number and PAN details. You'll receive an OTP, and after confirmation, your Customer ID will be displayed.
How to link my existing Axis Bank account with my newly migrated Citibank account?
- If you were already an Axis Bank customer, your Citibank relationships are typically mapped to your existing Axis Bank Customer ID automatically. Simply log in to your existing Axis Bank Net Banking or Mobile App, and your migrated accounts should be visible.
How to set up a new UPI ID for my migrated Axis Bank account?
- Open your preferred UPI application (Axis Bank Mobile App, Google Pay, PhonePe, etc.). You will need to re-register for UPI and link your new Axis Bank account by providing your account details (usually the last 6 digits of your debit card and expiry date).
How to ensure my recurring payments (e.g., SIPs, bill payments) continue without interruption?
- While many standing instructions are migrated, it's highly recommended to log into your Axis Bank Internet Banking or Mobile App and verify all your existing standing instructions, auto-debits, and biller registrations to ensure they are correctly set up and active.
How to change my ATM PIN for my migrated Citi-branded Debit Card?
- You can typically change your Debit Card PIN through Axis Bank ATMs, Axis Bank Internet Banking, or the Axis Bank Mobile Banking App, similar to how you would for any other Axis Bank debit card.
How to redeem my accumulated Citibank reward points?
- Your unredeemed Citibank reward points have been migrated and converted to Axis EDGE REWARD Points or EDGE Miles, maintaining their monetary value. You can view and redeem these points through the Axis Bank Mobile App or the Axis Bank EDGE REWARDS portal.
How to contact Axis Bank customer support for issues related to the Citibank merger?
- You can find customer support contact details (phone numbers, email support, chat options) on the official Axis Bank website (www.axisbank.com) or within the Axis Bank Mobile Banking App under the "Support" or "Reach us here" sections. Former Citibank phone banking lines may also be rerouted or continued.
How to update my KYC details with Axis Bank if I was a Citibank customer?
- You can update your KYC details through the Axis Bank Mobile Banking App (More > Services > My Profile > Update KYC) or through Axis Bank Internet Banking (Login > Services > My Profile > Update KYC).
How to view my Demat and Investment accounts that were with Citibank?
- Your investment portfolio and individual demat accounts have been migrated. You should be able to view your holdings and manage your investments through the Axis Bank platforms, or through Axis Securities Ltd. for your demat account.

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