Citizens Bank - Citizens Smart
Citizens Smart is a convenient and safe transaction banking application offered online. You can manage and access your Citizens Bank accounts quickly and securely either through SMS, WIFI, 3G or Edge.
Use your phone’s camera to scan the QR and download Citizens Smart today.

How to Activate Citizens Smart?

Download the Citizens Smart App from Google Play or App Store.

Click on “Register/Activate”.

Check “I Agree” and click on “Continue”

Enter your registered mobile number and click on “Continue”.

A Verfication Code will be sent via SMS to your number. Enter the Verfication Code and click on “Continue”.

Enter your Account Number and click on “Continue”.

Set your Login Password and click on “Continue”.

Set your Transaction PIN and click on “Continue”.

Your Mobile Banking has been successfully activated. You can login using your Mobile Number and the Password you recently set and make transactions.
How to Topup with Citizens Smart?

Enter your Mobile Number and Password and click on “Login”.

Click on “Payments” on the dashboard.

Choose Mobile Topup from payment options.

Enter the Mobile Number to recharge and Recharge Amount and click on “Proceed”.

Check the details and click on “Proceed”.

Confirm the transaction with your Transaction PIN.

The payment success message will be displayed on your screen.

Features of Citizen Smart
- Account Dashboard which links linked account information
- Biometric Login Security using Fingerprint for both Login and Transaction Pin.
- Graphical Statement and Account Dashboard
- Payment to different Merchant Outlets using QR Code
- Fund transfer using QR Code
- Easy to navigate Bank’s Branches/ ATMs, Exchange rate, Contact
- Credit Card Bill payments
- Mobile Top up viz. NTC Prepaid/Postpaid, Ncell Prepaid/Postpaid, NT Landline, ADSL, Dishhome, SimTv, SmartCell
- Recharge Cards viz. NT GSM, NT CDMA, Dishhome, Broadlink internet, SmartCell
- Load eSewa Wallet
- Personalized QR Code
- Electricity/ Airlines/ Internet/ Dmat/ MeroShare/ TV/ Education Fees/ Water Bill payment
- Banking services without internet (SMS Banking)
- Engaging Promotion banners
- Get exciting offers and discounts