This was posted 3 years 1 month 9 days ago, and might be an out-dated deal.

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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)

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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)
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Team Ozgiftcards on 16/03/2021 - 17:56 www1.citibank.com.au (3617 clicks)
Last edited 18/10/2023 - 09:37 by 4 other users

Received in email. Maybe targeted.

Free points on your rents, and any other fees that normally don’t accept credit cards without a fee.

Email excerpt below:

We are writing to advise you of an update we are making to the Citi PayAll product feature available on your Citi Rewards Card.

For all Citi PayAll payments set up between 1 April 2021 to 31 October 2023 (the Period), the Citi PayAll fee will be reduced to 0%:

• Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur.

• Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment.

• Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.

• From 1 November 2022, points will be capped at $20k per month or the lower of your credit card limit.

For more information on Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information and if you are enrolled in a Citi Rewards program, please refer to the Terms and Conditions of the Rewards program you are enrolled in.

https://www1.citibank.com.au/offers-benefits/PayAll1

This is a good guide:
https://www.pointhacks.com.au/citibank/payall/

Financial Citi Credit Card

Related Stores

Citibank Australia
Citibank Australia

closed Comments

        • NotBritishorUK on 01/09/2021 - 08:48

          I don’t understand why it says up to 60 months if it means start one in the future and do for 24 months

          It lets me start one in 10 years

          • CyberMurning on 01/09/2021 - 09:36

            @NotBritishorUK: example of not so well thought promotion/system design by citi.

          • hanofee on 01/09/2021 - 09:38

            @NotBritishorUK: It’d be too good to be true if they let this for 5, let alone 10 yrs :). Still no harm to set, just a bit of time as it failed rather often

            • thestig on 01/09/2021 - 09:47

              @hanofee: What do you mean by it failed rather often?

              • hanofee on 01/09/2021 - 09:50

                @thestig: I set some in the future. Got payment unsuccessful error a few times. When I try to set the exact same thing the next day, it works, etc, etc. So might need more than 1 trial to set a few, let alone if u want to set 20+ different ones

                • thestig on 01/09/2021 - 10:49

                  @hanofee: Oh ok, so the failure was occuring when setting them up? I've set a few up so I'm hoping that as long as I have sufficient credit available they shouldn't fail.

  • hjk on 15/08/2021 - 23:22
    +2

    A warning - one of my Payall transfer amount DID NOT show up in the receiving account, but was still recorded in my credit card statement. I did not realise until 2-3 weeks later when another Payall transaction was rejected due to hitting my credit card limit.

    I complained to Citibank and is still waiting for their investigation. In the mean time I was advised to pay the whole bill to avoid interest accruing.

    My advice - If you don't have the means to repay your Payall "money to self" WITHOUT receiving that amount, better think twice before doing this. I can afford to do so, but is still causing headache to be in this situation.

    This is crazy, imagine you are really paying a bill and not to yourself. The recipient didn't receive the money, but the transaction is in your credit card statement. You have to find fund to pay the recipient, AND pay the credit card bill including the disputed Payall transaction while Citibank is investigating.

    • grasstown on 17/08/2021 - 11:22

      Doesn’t that risk occur when transferring from other back accounts too? Was the recipients account correctly entered?

      • hjk on 28/08/2021 - 13:13

        I have no idea, I've never seen a money transfer not going through when the account details are correctly entered.

        Citibank has reversed the disputed transaction (and the points) so all good now.

  • bargainbenny on 17/08/2021 - 23:07

    Did anyone else have issues with recurring payments? It worked the first month but now it's greyed out and can only do single payments. Citi is useless when I speak to them to fix it.7 different people, same questions no fix. Now I get a letter every week stating an extension of the “investigation”. What's the bet it gets solved 1 day after the offer?

    • TurnipHead on 22/08/2021 - 18:11

      good to see i'm not the only one with this issue! In most categories, i can't do recurring payments and for the only 1 i can (rent) - it only sets it up for 2 months.
      Anyone have any ideas what's going on?

      • bargainbenny on 22/08/2021 - 18:25

        I’ve had an investigation from Citibank on how to fix it for the last 2 months. First up they have me $50 for the inconvenience, now they send me an email every 3 days asking for more time. I’m guessing it’s stalling for when the promo finishes. Each person who emails asks for the same thing over and over, a screenshot of the greyed out button….

  • cook99 on 22/08/2021 - 13:20

    Great advice from people above, particularly Yabadaba…

    Sadly my limit is $6k so some serious juggling ahead.
    Thinking 6x $5500 monthly payments spaced out around 5 days (1st, 6th, 11th, 16th, 21st, 26th) for the next 60 months.

    Also these will be split across 2 bank accounts since the limit is 5 transactions to same account per month.

    $33k out of $35k is good enough for me.

    And I'll have to likely leave an extra $5k to $10k in my account to always be owed money by them to ensure I have funds for the constant payments.

    Any issues with above?

    • thestig on 22/08/2021 - 19:43

      How are you going to set them up every 5 days? I could only see an option for weekly for recurring payments.

      • cook99 on 22/08/2021 - 19:45

        The plan was to do monthly, and do 6 of them

        • thestig on 22/08/2021 - 22:21
          +1

          Makes sense. I currently have weekly payments set up but have the same credit limit as you and there should be just enough time to fit an extra payment each month in if I compress them all a bit to just allow enough time for the repayment funds to clear.

    • capslock on 22/08/2021 - 19:58

      I wonder what happens when you hit the theoretical 200,000 annual points cap.

      • CyberMurning on 22/08/2021 - 20:18
        -2

        Then no more points.
        Duh… or are you expecting police come knocking?

      • cook99 on 22/08/2021 - 20:46

        As per previous posts apparently payall doesn't contribute to that cap

        • hanofee on 22/08/2021 - 23:31

          hopefully someone already reached their cap can confirm before Oct finished :)

          • maverick1 on 24/08/2021 - 23:43

            @hanofee: I have so far earned 220k points, 120k of these have been Payall transactions and remaining signup bonus and normal spend

            • Homr on 31/08/2021 - 21:25

              @maverick1: what can you get for 120k points?

              • maverick1 on 31/08/2021 - 21:35
                +1

                @Homr: Mate. I’m simply after Krisflyer points.
                Citi’s conversion rate is not great, so every 30k CPs turn into 10k KFM.
                Building some inventory for late 2022 Intl travel hopefully.
                Also, KF is currently letting you earn Silver/Gold status by transferring KF miles.
                250k KF miles will get you to gold.
                Earned Silver, let’s see if I can get to Gold (but that’s not the main goal)

                • squarepants on 01/09/2021 - 11:55

                  @maverick1: This is actually a brilliant idea lol.

                  I forgot about that, pity. I signed up for a Qantas card.

                  Although I'm a bit nervy about transferring that much points into KF now considering our current border status and my pile of KF miles from before.

  • nightelves on 22/08/2021 - 23:34

    Does this work with Emirates points?

    • squarepants on 04/09/2021 - 13:15

      Seems to work with Qantas points. Should technically work with Emirates as well? As long as is a Citi card.

  • ricktiger on 31/08/2021 - 19:22
    +1

    Does anyone know if there is any restriction on setting up future dated transactions on a monthly basis? I can't find anything in the T&C's.

    I have the Rewards card and as far as I can tell there is no cap on points for payall transactions.

    Example of proposed transactions set up prior to 31-Oct-21:

    September 2021 - August 2023 (24 months): 5 x $7k per month
    September 2023 - August 2025 (24 months): 5 x $7k per month
    September 2025 - August 2027 (24 months): 5 x $7k per month

    Repeat infinitum?

    I understand the transactions will look very suspicious and are not in the spirit of what the facility should be used for, thereby running the risk of the account being suspended. I just want to know if there are any other restrictions I'm not aware of.

    Thanks in advance.

    • f4te on 04/09/2021 - 10:59

      Good suggestion! I've just set it up…

      It only lets me set start dates up to 12 Sept 2031, so the longest you can extend for is 2033.

      Will let you know if there's any issues!

  • Homr on 31/08/2021 - 21:25

    oh dear, I'm really late to this party and I have the fee free for life citibank rewards card.

    My credit card is a different name to my main bank account which I use to pay off my citibank credit card via BPay. If I setup payall to my main account, will it get flag? What creative references are people using??

  • Homr on 31/08/2021 - 22:09

    Has anyone put money in a high interest saving account like this one
    https://www.westpac.com.au/personal-banking/bank-accounts/sa…

    and get the 3% interest p/a?

    So 30k per month @ 3% p/a is like $75 per month free cash?

    • hanofee on 31/08/2021 - 22:10

      Unless u have unlimited limit, we have to pay the money back to the card. The lower the limit, the more often we have to pay back, so we won't get much interest. The deal is about getting point I guess, rather than interest.

      • Homr on 31/08/2021 - 22:14

        Yeh can't you just pay the card back once your other bank credits your interest?

        I haven't used savings account in a long time, don't you just need the money in your bank account the last day of your anniversary period before the interest calculates?

        • SydneySwan on 31/08/2021 - 22:19

          What? Interest is usually accrued on a daily basis on the daily balance.

  • szy2k on 01/09/2021 - 19:23

    My first payment in Sep just got declined and when I tried to initiate another payment it says "you cannot transfer to your own name", looks like they are not allowing you to transfer to your own name anymore, anyone had the same issue? Might have to transfer to wife's name from now on.

  • cook99 on 01/09/2021 - 22:51

    Well I managed to get 25k to one account setup for the next 66 months, but it won't let me do another 10k to a different account which I've used before.
    Still a great outcome if it would but would love to maximise this to 35k

    Edit: had to pick a different type of payment to go over $25k. Now I'm at full $35k.

    So what is stopping setting up more than 66 months? Seems to allow start date beyond 2027?
    I know it says 60 months but seems superfluous?

    • Legoman on 10/09/2021 - 15:05

      What kind of payment did you choose to get the option to extend the recurrence out for 66 months please?

  • el8 on 02/09/2021 - 14:04

    just want to flag that one of the payments i made, the other party did not receive the funds. have raised this with citibank but apparently the investigation process can take a couple of weeks. A watchpoint if you are short on funds.

    • CyberMurning on 02/09/2021 - 14:39

      go to bottom page 5, user @hjk also had the same thing

      • el8 on 02/09/2021 - 14:40
        +1

        yep, realised that, hence i think its a systemic issue, rather than an isolated one!

        • JIMB0 on 08/09/2021 - 08:47

          It's their way of slowing you down.

  • magster on 07/09/2021 - 19:00

    Is there a way to directly pay the credit card with a manual payment? I can only ever transfer to my Citi transaction account then ‘pay to card’ from that account. Would be good to save a step.

    • CyberMurning on 07/09/2021 - 19:13
      +1

      Bpay

      • squarepants on 12/09/2021 - 12:06

        Is paying to card from a Citi transaction instant? Does it reinstate the credit limit immediately it takes a few days too?

        Also, with Citi’s BPAY format, is it using Biller Code 49502 followed by your 16-digit Citi Credit Card number as your Customer Reference number?

        Only asking as other banks seem to have a different Customer Reference Number when BPAYing a credit card from just the credit card number (I.e. an account number instead).

        • CyberMurning on 12/09/2021 - 12:15

          Instant.
          Check your statement for bpay details

        • Cheapskate Paul on 12/09/2021 - 12:47

          "is it using Biller Code 49502 followed by your 16-digit Citi Credit Card number as your Customer Reference number?"

          Yes

    • Cheapskate Paul on 07/09/2021 - 19:28

      If you pay off the full balance each month you can set up a direct debit so they take the money from your account on the due date. You just have to remember to have enough money in the account each month.

      • magster on 07/09/2021 - 23:07

        But I need to do it twice a month to maximise 35k as my limit is not high enough. Otherwise that would be ideal.

        • Cheapskate Paul on 08/09/2021 - 01:00

          Fair enough. Well done on going for the max 35k

  • TimeOrMoney on 10/09/2021 - 14:06
    +4

    Just received an email that this has been extended a year, until October 2022; but with lower limits! (emphasis mine)

    1) For all Citi PayAll payments set up between 1 April 2021 to 31 October 2022 (the Period), the Citi PayAll fee will be reduced to 0%:

    • Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur.
    • Any recurring Citi PayAll payments set up prior or after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.

    2) From 17 October 2021 a new monthly limit will apply whereby the aggregate sum of Citi PayAll payments within the calendar month must not exceed your credit limit or $35,000 (whichever is lesser). For example, if your credit limit is $5,000, your total Citi PayAll payments within a month must not exceed $5,000, regardless of payments made on your account.

    • Team Ozgiftcards on 10/09/2021 - 14:12

      Darn they caught on haha

    • ilubbargains on 10/09/2021 - 14:21

      Anyone going to increase their credit limit? E.g., $20k credit limit over next 12 months can potentially yield 240K points if you're diligent (or can be bothered).

      • txb on 10/09/2021 - 15:30
        +1

        Not worth the extra credit inquiry

        • Legoman on 10/09/2021 - 17:25
          +2

          Yeah, very hard to do these days and punishing if you get it wrong and are declined. To my mind it's not even worth trying these days the disincentives are so great. It's not like in the good ol' lo-doc days of garden variety 50K, 100K credit limits with minimal checks. I applied for as many credit cards as I could as soon as I got a job and a salary income while the going was good knowing full well that a full-time staff salary job was the ticket to easy credit, there was effectively no such thing as credit scores and the banks were chasing customers. Those were very different days to today. I would not like to be applying for a credit card today and I'm hanging on to what I've got 'til grim death. Which of course is the reason why 'Buy Now Pay Never' schemes have taken off. To the yoof of today, credit cards are just too hard.

    • f4te on 10/09/2021 - 14:34

      So they've (greatly) extended the deal, but limited people to their credit card limit per month?

      • dbglt on 10/09/2021 - 14:35

        Yup. Annoying, and far less points potential. I had set up automatic direct debits and bpay back from my offset account to do 35k a month with no manual involvement. Will have to scale it back to 15k now (credit limit).

        • hanofee on 10/09/2021 - 15:14

          well 15k a month/free points is still great. I have same limit as u :)

        • maverick1 on 10/09/2021 - 15:58
          +1

          Maybe yes, but will wait to see if recurring transactions setup before 17th Oct are impacted or not.

          If so, then may apply for an extra limit or cancel the card before next year’s annual fee…

          Probably will try and get all the Oct transactions by 17th Oct anyways.

          • hanofee on 10/09/2021 - 16:10

            @maverick1: Yep, already set some of the future ones. Will just leave it. If it's getting declined after 17Oct, we'll soon know it anyway

            • maverick1 on 10/09/2021 - 16:15

              @hanofee: Yeah mate with tech you never know what one would get..worth waiting before any speculation…

        • Sharp on 11/09/2021 - 08:36

          I have the same limit but payall doesn’t accept more than $14,250 per transfer. Can you payall the whole 15k?

    • Gleung on 10/09/2021 - 14:36

      I suspect 2022 is a typo. More than happy if I am wrong. Let’s see!

      • Legoman on 10/09/2021 - 14:43

        I think you're wrong. The text of the Citibank e-mail opening gambit before what TimeorMoney quoted up above says in part "The change to the Citi PayAll fee has been extended…"

        The extension is intended by Citibank, so 2022 does make sense

    • Legoman on 10/09/2021 - 14:39

      Have Citibank just closed the loophole that gets you free points well into the future using the recurring payment facility with this T&C?
      "This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur"

      • f4te on 10/09/2021 - 14:52

        That's in the original T&Cs.

        • Legoman on 10/09/2021 - 15:13

          Correct, but question still stands

  • Legoman on 10/09/2021 - 14:49

    Now we have a new date (17 October) in order to set up future dated recurring payments by in order to bypass the new credit limit restriction T&C for total monthly earn, what is the longest future term type payment the app lets you set up in advance to keep this going @ 35K/month for the longest possible time?

    • magster on 10/09/2021 - 15:27

      I think if you set up anything more than your limit, it will be declined when it comes to processing time.

      • txb on 10/09/2021 - 15:36

        Exactly, from 17th Oct your new max pts earning is your credit limit (up to a max to 35k)

        Going forward your only option just to payall up to your credit limit per month times x months till Oct 2022/or whenever you want to cease earlier. This hurts those increasingly more as you scale into a lower credit limit as your reward pt earning potential has been cut from up to 35k pts. Conversely, this change dosent effect people who already have a credit limit of $35k

        edit: im referring to the total monthly limit (point 2 in the email)

        Correct if Im wrong?

      • CyberMurning on 10/09/2021 - 15:39

        agree with you. i dont think it works as legoman wanted.
        i think citi just revised the offer thats all. they see people making up future dated in such crazy amounts.
        so yeah, everyone get them cancel and create new recurring or else they will fail

      • Legoman on 10/09/2021 - 16:26

        Hmm, it's not clear is it and it will probably only be known for certain when it gets tested in practice to see what actually happens, which of course won't be until after 17 October. In my case I have a 20K credit limit, so I've been doing 2 x 17.5K/per month to get up to the 35K limit, which has worked well. Assuming you're right and future dated recurring payments in aggregate exceedance of the credit limit get declined, I will change that strategy from 2 x 17.5 to the first @ 20K and then a second a few days after it @ 15K instead. If the credit limit ceiling works as you suggest, then the second 15K PayAll will be declined and fail and I'll only get 20K points for that month from the first payment.

        If on the other hand you're wrong, then I will still get the full whack of 35K points for each month at zero fee.

          • capslock on 10/09/2021 - 17:24

            @CyberMurning: No. Read the definition of 'physical currency'.

            • CyberMurning on 10/09/2021 - 17:27

              @capslock: well it is money. and transfer. what else is not about bank transfer?

          • Legoman on 10/09/2021 - 17:29

            @CyberMurning: Not at all. I routinely and regularly (every month) transfer amounts well in excess of 10K between Australian domestic banks (which is all this Citibank scheme is doing) and have done so for more than a decade. Longer than Austrac has even been an entity under than name, and never, not once have I been questioned.

            In fact, I'll go further than that and say that all you're doing is exactly what the treasurer of the day routinely spouts on the daily news as a sound bite when the banks raise interest rates on the first Tuesday of a month and "walk down the road for a better deal" If figuratively walking down the road for a better deal means moving 100K from one bank paying 1.5% interest to another paying 1.75% interest, then that is perfectly legitimate behaviour entirely within the advice of the treasurer and of no interest whatsoever to Austrac.

    • AFOS on 10/09/2021 - 15:39

      If I am not mistaken they also extended the offer to 31.10.2022. Frankly, I struggle to understand why… Seems counterproductive to me.

  • cook99 on 10/09/2021 - 15:47

    This is damn annoying, I had the dream setup for 66 months at $35k.
    My limit is 6k which is super low, seems like the jig is up assuming the future dated ones will decline above my limit of $6k.

    • Legoman on 10/09/2021 - 16:33
      +1

      I would still set them up in advance anyway and hope they don't decline and wait and see what happens. If they decline, then so be it. There's no pain for having the payments fail. Just set them up anyway in case and let them fail if that's how Citibank are going to implement the limits policing.

      I have also moved my billing cycle so I can get my PayAll payment dates in just behind the statement date to maxmise the 55 day interest free I can keep the money earning interest for me before I have to pay it back. Did everyone already know that Citibank will adjust your billing cycle to whatever date of the month you want your statements produced?

      • cook99 on 10/09/2021 - 16:34

        Yeah I have left mine alone too and will see what happens in a month. If it fails I'll decide to increase limit or apply for new account with Higher limit to set it all up the same way with higher credit limit.

        • capslock on 10/09/2021 - 17:23

          Same. I've already set up my future payments and can't be bothered changing it now. Let's see what happens after Oct 17.

  • szy2k on 10/09/2021 - 17:34

    I think this has been asked before but no one seems to know the definite answer.

    "Citi reward Points are capped at 200,000 per 12 month period when you use your Citi Premier MasterCard® on Eligible Transactions on Online Spend, International Spend and Domestic Spend."

    Until I have checked just now:

    The Points earn is capped at 200,000 points over a 12 month period. The annual cap will reset on your next statement cycle date following the anniversary of your enrolment to your Rewards program. The cap includes points earned on Domestic and International spend. The Citi Premier Card earns 1 Point per $1 on Citi PayAll payments.

    Citi PayAll Payments are for Domestic Spend only, International Spend is excluded. Domestic Spend and International Spend means any Eligible Transaction made with a merchant who respectively tells us they are located within Australia or outside Australia.

    Now this applies to Citipay all then there isn't much benefit of maximising the 35k card limit right?

    • Legoman on 10/09/2021 - 17:42

      I'm not trying to work out all the permutations with regard the points limits. It's hard enough as it is working out the payments and not having them bounce. If there is a hard ceiling at 200K on points, then so be it. I won't have a big wet sookie cry over it. I'm just maximising the free money as much as humanly possible and letting the points look after themselves. Even if there were no points at all, I'm still getting a free $35K every month which earns me a free $32 in interest @ 1.1% each month. If I get 200K points along the way of doing that, then bonus!

    • ifuggedxyz on 10/09/2021 - 18:55

      Uncapped points for Citi PayAll payments.

      Source:
      Citi Premier CC
      Citi Premier Qantas CC
      Check "Others ways to earn Citi reward Points when you spend" on both above links

    • maverick1 on 10/09/2021 - 20:59

      You may have missed my reply before on this topic…
      I’ve earned more than 225K+ points since April’21
      Of that 225k about 100k or so are from ex payall transactions and remaining 125k+ payall.
      Few have mentioned in previous post that Payall transactions are probably excluded from 200k cap or it could be a glitch…so enjoy the ride till you can…

  • Bargainitis on 10/09/2021 - 18:36
    +2

    guys, the less we talk about the loophole the better….yeah? think about it.

    • maverick1 on 10/09/2021 - 21:03
      +1

      Yeah…for me it has been “the” credit card deal of 2021…

      • Legoman on 11/09/2021 - 10:30

        I laugh my borlz off at all the people who had the Signature or Platinum on the sweeet FFFL deal and cancelled their cards out of spite at some perceived slight Citibank had inflicted upon them thinking they were hurting Citibank by doing so. Never has the idiom 'Cutting off your nose to spite your face' ever been so appropriate. Including a friend of mine who had the same card as me and cancelled when he got jobkeeper'd at his work "because he wasn't using it". He took his money out of superannuation AND cancelled his free Citibank CC when he needed to do neither. Spectacularly bad moves.

  • yht on 10/09/2021 - 19:16

    Second time Citi has screwed the dates. I setup the payment for 14/9 but they are already deducting the account now ?

    • Team Ozgiftcards on 10/09/2021 - 19:58
      +2

      It deducts 3 business days prior to the scheduled date (14, 13, 10)

      • Legoman on 10/09/2021 - 20:13
        +1

        Yep. The unpredictability of when they actually do the payments is something you have to get used to with a bit of experience. My rule of thumb is when setting up when you want the payment to occur add on three extra days to allow for them deducting 3 days from the scheduled payment date, then you might get closer to what actually happens. This is why a statement date at the very end of the month is a really bad thing to have. If your statement date is 28 for example and you want payment made on the new statement with 55 days interest free, then you have to schedule the payment to be on the first of the next month at least, which makes it a payment in the following month, not the current one, even though the payment actually takes place -3 days earlier in the current month. Citibank are an administrative nightmare.

        • txb on 10/09/2021 - 21:03

          Yep, this.

          I've noticed if I set up one transfer and schedule the next on the third business day afterwards it gives leiway as long as I trabsfer/repay the payall payment as soon as it lands in the recipient bank via osko.

          E.g. transfers on every 3rd business day. Monday->thursday->tuesday->friday and so on

          • Sharp on 11/09/2021 - 08:48

            @txb: Can you back and forth osko payments to payall?

            • txb on 11/09/2021 - 11:56

              @Sharp: Payall is old slow transfer, Only paying back to citibank you can payid/osko to a citibank acc (and just do an internal transfer to pay card)

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