I wish I had looked at this site before opening an account with Citibank -- I would have avoided it as I have had similar problems as other posters. The application process went smoothly and quickly and Citibank staff were ringing me almost daily to "help", but as soon as I tranferred some money in, no more communication and the lies began. I applied for a euros account and specified on form that I needed a card so I could access my money when travelling. Apparently this then automatically makes it so that the old card is blocked and you have no access to your money until the new card arrives with pin. I informed customer service woman that I would first transfer all my money back out again before ordering the card as I needed access to my funds. She then said she could make a special exception and I would continue to have access to my funds online and they would send me card for new euros account. BZZZZZZ! Wrong. A lie. I was blocked online and my password was no longer valid. Then the card didn't arrive within 5 business days as promised. Or ten days. Even worse, I did receive 2 letters stating that my change of address had been actioned, but they were sending the letter to my OLD address to double check. You guessed it -- the OLD address is the real address. No address change. Back on phone. Told to ignore letters as no address change actioned. Hmmmm. They don't understand why card not received. Spend hours on phone trying to get pin unblocked but for some reason it can't be done. I am calling India all day. Supervisors, who were ringing me several times a day now will not return phonecalls. And there is no head office -- only the option to ring India.
I call again next day, same. So, being angry and frustrated, I take precaution of transferring 99% of my money out.
** if you have this problem, make sure you do same!!!
I wait. Money transfers. Whew.
Then I call again, as still no (replacement) card.
Told I need to order a new one. (This is now a month after account was opened.) Decide to close account, but am told that -- despite passing phone security -- I cannot transfer the remainder of my money out as phone pin now blocked too. (Why???) Told I can request funds transfer by fax. I do this. Twice. They won't release my money. It's been a week now and still no card and no pin. Am I happy? Hell no. Two letters of complaint sent, but no answer.
AVOID THIS BANK!!!

very good waiting for my answer