Citibank Europe plc (Publiczna Spółka Akcyjna) Oddział w Polsce

Citibank Europe plc (Publiczna Spółka Akcyjna) Oddział w Polsce is the Polish branch of Citibank Europe plc, an Irish public limited company within Citigroup. It operates in Poland under EU passporting rules, with prudential supervision and deposit guarantee arrangements anchored in Ireland and host-state conduct oversight in Poland. The branch is a separate establishment of the Irish bank, not a Polish-licensed bank, and should not be confused with Bank Handlowy w Warszawie S.A. (Citi Handlowy), which is a distinct legal entity. The Polish branch’s activity is oriented toward corporate and institutional clients, typically covering transaction banking, cash management, trade finance, foreign exchange and rates products, liquidity solutions, and lending to eligible entities; any retail-facing or card-related distribution, if offered, is limited and subject to product-specific terms. Accounts and payment services, where provided, generally support PLN and major foreign currencies, SEPA euro transfers, and cross-border payments via international schemes such as SWIFT; local availability and cut-off times depend on the product and client segment. Pricing follows published tariffs and contractual schedules. Deposits taken by the branch, if any, fall under Ireland’s Deposit Guarantee Scheme up to €100,000 per depositor per institution; investor compensation, where relevant, is subject to Irish rules. The branch shares a single depositor limit with Citibank Europe plc across its EU branches and is not covered by Poland’s Bank Guarantee Fund. Complaints are handled by the branch under Polish law and EU rules; depending on client status and product type, escalation may be available to the Polish Financial Ombudsman and to the Financial Services and Pensions Ombudsman in Ireland. Clients should verify which Citi entity is their contracting party and which supervisory and protection schemes apply to their specific product.