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Paying Citi cards with debit cards including prepaid debit cards

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Old Mar 23, 2014, 7:05 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: ffly45
Read the wiki carefully before posting. Wiki may be out of date.
800-950-5114. Non-US agents are, as of at least August 15, 2015, able to do debit card payments. If they resist, ask for a US agent.
Please do not report that debit payments do not work over the phone, they do! Hang up and call again (HUCA) until you get someone capable.


The same thing can be done in a Citi branch, but you do not swipe the debit card or enter any PIN, so it seems likely that the same cards do/don't work in branch as over the phone.
The name on the debit card must match the name on the account. You can be an authorized card holder (they'll ask the name of the primary). You can also pay off Citi Business credit cards (only attempted as primary cardholder). Limit of one payment per debit card per account per day.

Debit cards that work for paying Citi cards over the phone.
All Mastercard & Visa debit cards attached to regular checking accounts:
  • Alaska - some have not gotten miles;
  • SunTrust - no miles;
  • UFB Direct - $2000 daily limit - no miles.
Coinbase (shutdowns have been reported)
Green Dot (permanent card)
H&R Block Emerald
JH Preferred
M1 Plus (no cb)
MVD (shutdowns have been reported)
Paypal Business Debit Mastercard (no 1% cb)
Pennywise Power "payday rewards" Visa cards (Bancorp, MB financial Bank N.A)
Simple Card - see post #347
Swagbucks virtual visa (issued by Prepaid Digital Solutions)
Swagbucks virtual mastercard (issued by MyPrepaidCenter)
Topcashback virtual visa (issued by Bancorp)
T-Mobile (temp and perm, shutdowns have been reported)
Wells Fargo


Debit cards that DO NOT work for paying Citi cards over the phone.
American Express Gift Card
American Express for Target
Bluebird
Serve
Chase Starbucks Prepaid (post)
Curve Commercial Debit
Google Wallet
Green Dot (temporary card registered with zip and pin)
MetaBank Visa/MC
US Bank/USB GC
Paypower (temporary card registered with zip and pin) - post 283
Sunrise Bank Visa
US Bank Mastercard/Visa prepaid
US Bank Visa Buxx
TD Go Card
Vanilla Visa/Mastercard (issued by Bancorp) (incl. OneVanilla, Vanilla Debit)


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Paying Citi cards with debit cards including prepaid debit cards

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Old Jul 4, 2022, 3:30 pm
  #1561  
 
Join Date: Mar 2009
Posts: 2,295
Originally Posted by pixelrogue
T-Mobile listed as option in wiki to pay citi. How would the t-mobile card be loaded?
T-Mobile Visa Prepaid - Bluebird Competitor for MS! (May not load w/CC)
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Old Jul 4, 2022, 5:43 pm
  #1562  
 
Join Date: Oct 2015
Posts: 226
Yes saw this thread - died off in 2016 (misc post or two in 2017) and thought maybe there was more by 2022.
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Old Jul 6, 2022, 12:36 pm
  #1563  
 
Join Date: May 2013
Posts: 145
just noticed swagbucks switched rebate cards from visa to mc. any experience whether these can still be used to pay citi?
ffly45 is offline  
Old Jul 8, 2022, 6:28 am
  #1564  
PZn
 
Join Date: Jan 2021
Posts: 2
Originally Posted by ffly45
just noticed swagbucks switched rebate cards from visa to mc. any experience whether these can still be used to pay citi?
BAU
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Old Jul 9, 2022, 11:13 am
  #1565  
 
Join Date: Jun 2007
Posts: 139
Originally Posted by PZn
BAU
Did you use the MGC from Swagbucks to pay citi CC this month?
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Old Jul 13, 2022, 10:17 am
  #1566  
 
Join Date: May 2013
Posts: 145
Originally Posted by popomama
Did you use the MGC from Swagbucks to pay citi CC this month?
yes, it works. i updated the wiki.
thanks, PZn
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Old Jul 13, 2022, 2:49 pm
  #1567  
 
Join Date: Jun 2007
Posts: 139
Originally Posted by ffly45
yes, it works. i updated the wiki.
thanks, PZn
Great. Thanks for the confirmation. Several questions:
(1) Did you pay it over phone with agent or with automated phone menu?
(2) If my Citi CC balance is $600, and my MGC only has $100 on it. How do I pay the Citi CC via the MGC? Do I have chance to specify the amount I want to pay via MGC during the process?
(3) Is there detailed instructions for how to make the payment in this thread?(I have never tried it before.)

Thanks a lot.

Last edited by popomama; Jul 13, 2022 at 4:41 pm
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Old Jul 14, 2022, 12:51 pm
  #1568  
 
Join Date: Feb 2015
Posts: 319
Originally Posted by popomama
Great. Thanks for the confirmation. Several questions:
(1) Did you pay it over phone with agent or with automated phone menu?
(2) If my Citi CC balance is $600, and my MGC only has $100 on it. How do I pay the Citi CC via the MGC? Do I have chance to specify the amount I want to pay via MGC during the process?
(3) Is there detailed instructions for how to make the payment in this thread?(I have never tried it before.)

Thanks a lot.
You need to call the number on the back of your card and just try it out. There’s different phone trees depending on what number you call. And Citi changes those periodically.
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Old Jul 16, 2022, 9:42 am
  #1569  
 
Join Date: Jun 2007
Posts: 139
Thanks ffly45 and Clueless12 . I am able to may a payment via Swags MGC now. One question, I saw in the wiki mentioned 'Shutdown reported' when using certain Debit Cards to pay. Anyone can share it the shutdown to the citi CC in this case? If that is the case, what is the risk of triggering citi to close my citi cc if making payment via debit card?
Originally Posted by Clueless12
You need to call the number on the back of your card and just try it out. There’s different phone trees depending on what number you call. And Citi changes those periodically.
Originally Posted by ffly45
yes, it works. i updated the wiki.
thanks, PZn
popomama is offline  
Old Jul 19, 2022, 10:08 am
  #1570  
 
Join Date: Feb 2015
Posts: 319
Originally Posted by popomama
Thanks ffly45 and Clueless12 . I am able to may a payment via Swags MGC now. One question, I saw in the wiki mentioned 'Shutdown reported' when using certain Debit Cards to pay. Anyone can share it the shutdown to the citi CC in this case? If that is the case, what is the risk of triggering citi to close my citi cc if making payment via debit card?
People have made Citi debit card payments for years. Usually other things are also involved with shut down
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Old Jul 19, 2022, 7:49 pm
  #1571  
 
Join Date: Aug 2017
Location: SAN
Posts: 1,306
Citi debit card payment newbie. Read the WiKi and the last 20 pages and wanted to confirm something. Looks like the only way to make these payments is over the phone. Is that correct? Any way to pay the credit cards online?

Thanks
TD
Traveler Dave is offline  
Old Jul 20, 2022, 5:35 am
  #1572  
 
Join Date: Dec 2008
Posts: 377
Originally Posted by Traveler Dave
Citi debit card payment newbie. Read the WiKi and the last 20 pages and wanted to confirm something. Looks like the only way to make these payments is over the phone. Is that correct? Any way to pay the credit cards online?

Thanks
TD
Has to be over the phone, and much better to do it through the automated phone tree instead of with a CSR.
I can see for miles is offline  
Old Jul 31, 2022, 5:42 am
  #1573  
 
Join Date: Jul 2022
Posts: 13
Originally Posted by Traveler Dave
Citi debit card payment newbie. Read the WiKi and the last 20 pages and wanted to confirm something. Looks like the only way to make these payments is over the phone. Is that correct? Any way to pay the credit cards online?

Thanks
TD
Can do it via live chat.
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terrorist96 is offline  
Old Jul 31, 2022, 5:57 am
  #1574  
 
Join Date: Jul 2022
Posts: 13
Coinbase doesn't work for me through Citi directly. Says declined, probably since it's issued by Metabank. It worked via [other methods] but got shut down after a month. Was able to reactivate by uploading my ID (for the third time; had already uploaded my ID to Coinbase twice in the past as I've had the account for almost 10 years) but got shut down again the next month and was told it would remain closed. Coinbase account itself is fine. Just the debit card is nuked.

Last edited by terrorist96; Jul 31, 2022 at 6:11 am
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Old Jul 31, 2022, 6:07 am
  #1575  
 
Join Date: Jul 2022
Posts: 13
Also Cash App debit card works. Useful for when there are "spend anywhere" boosts.
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