Citibank has issued an official notice to its customers in the United States. Sent just over three months ago, this statement clearly explains that users must respect a set limit for transfers. The information has caused a notable reaction from customers, with opinions divided between acceptance and annoyance.
According to Citibank, when using Zelle—a very popular platform in the United States—clear limits apply and they can't be exceeded. A regular customer can only send up to $2,500 per day (2,500 USD) and a total of $15,000 per month (15,000 USD). Another publication specifies that these ranges can vary from $500 (500 USD) to $10,000 (10,000 USD) per day, and between $2,500 (2,500 USD) and $20,000 (20,000 USD) per month, depending on the account.
Citibank settles the doubts of many Americans: exceeding this limit is prohibited
The explanation for these limits isn't arbitrary. Citibank justifies the measure as a way to fight fraud and protect the security of its customers. By setting caps, the bank can monitor suspicious activity, react quickly to any irregularity, and prevent criminals from carrying out large-scale scams.
However, many users in the United States haven't been fully convinced. Among those who oppose, there are people who complain about the restrictions on sending their own money in urgent situations.
Citibank emphasizes that compliance is mandatory
Some suggest solutions such as making electronic transfers by linking the Citibank account to another institution. This maneuver has worked for some, though not without complications. The bank insists that these rules must be strictly followed.
The message is firm: if a customer tries to send more than allowed, the transaction will be rejected. Not respecting these limits can even result in the temporary suspension of certain services. Citibank emphasizes that compliance is mandatory, both for internal security reasons and for the duty to protect the integrity of the financial system.
This notice, therefore, isn't merely informative, but a directive. The bank's regulations are established and must be respected: exceeding them could cause inconveniences in accessing funds, holds, and problems when trying new transfers.
Customers must plan their transfers in advance
Additionally, Citibank explains that these limits don't come out of nowhere. They follow internal control standards, risk analysis, and protocols designed to mitigate fraud, money laundering, and identity theft.
For customers, the consequence is clear: if they need to move larger amounts, they must plan ahead. Some suggestions include opting for wire transfers—with higher limits—or using Citibank's phone service, where more flexible transactions are handled, though they usually involve additional fees.