CITI Bank UPI Not Working: Possible Reasons & Their Fix!

Citi Bank is a multinational bank, and the global headquarters of the bank is in New York. The bank is considered a premium bank and has been present for 119 years in the country. Citibank also announced its departure from India in 2021, but it will take some time. Citibank’s customers will not be impacted as another bank will take over the retail banking business. The transition will be smooth for the customers. Talking about Citibank UPI offers an easy way for customers to send and receive money. However, if you are facing issues with Citibank UPI, then we are here to help.

CITI Bank UPI Transaction Failure Possible Reasons

Check out more details below.

1. Account Deactivated

Before proceeding with the Citibank UPI transaction, please ensure that your account is active. Sometimes, the customers are not aware, and their account is deactivated. It could be because you last used your account a year ago or for another reason. The same is the case with UPI; the ID may get deactivated if you last used it a long time ago. In such cases, you must first register for the UPI. If that doesn’t work, you must visit the bank and get a KYC done. This will reactivate your account, and you will be able to transact again.

CITI Bank UPI Not Working

2. Incorrect PIN

Are you getting an error with an Incorrect Pin? The error is easy to understand as the PIN entered by you is not correct. If you cannot recall the PIN, then the best bet would be to reset the PIN. Once you click on forgot UPI PIN, you will be asked to enter the ATM card details along with the expiry date. An OTP will be triggered, and you will then be able to reset the PIN. You can select a PIN which is easy to remember, but please don’t share the PIN with anyone else.

3. Network Issues

Sometimes, there is a network issue. You may be trying to make a UPI transaction on a Wi-Fi network, or you may be connected to VPN. In both these cases, the transaction might fail as many apps don’t allow these transactions. In addition, sometimes, the bank’s network is down, which may lead to transaction failure. In most cases, the UPI app will tell you that there is an issue with the bank’s network. If you get this error, you will need to wait a couple of hours before trying again. Network errors are rare, but they do occur.

4. Incorrect UPI Details

While transferring the money, please ensure that you have entered the correct UPI details of the receiver. This is also a common reason for not being able to send the money. Sometimes, there could also be a block on the receiver account, which may stop you from sending the money. Please verify the receiver’s details again, and you can let the receiver know if the transaction is failing again and again.

5. Reaching Out to Citibank

Citibank has a 24xx7 premium phone banking service. You can reach out to customer care at 1860 210 2484. If you are outside India, you can call +91 22 4955 2484. Save these two numbers as they can prove to be very handy in case of an issue. Customer support can help you in case of a recurring UPI issue. Moreover, customer care can put a hold on your account if you suspect any fraud or a similar issue. You can also contact the bank if the money has not been refunded for the failed transaction.


The good thing about the UPI app is that it gives you an error code. These error codes are easy to read and give you an interpretation of the error code. You can look up the solutions depending on what the error code is. We hope this information will prove to be handy when you are using Citibank UPI. Apart from this, we have also shared the contact numbers with you so that you feel safe when the UPI is not working. Lastly, if the money has been deducted from your Citibank account, then do not worry. The failed transactions are reversed in 24 to 48 hours. You can call the bank to register a request, but that is optional as there are enough measures to take care of failed transactions.

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Sumit Kumar Yadav has experience analyzing business and finance of big to small companies. Loan, Insurance, Investment data analysis are his key areas.