Citizens Smart is a free Android-based transaction banking application offered by F1soft. It allows you to manage and access your Citizens Bank accounts securely and quickly through SMS, WIFI, 3G, or Edge. The app offers a range of features that enable you to perform various banking services, including viewing your account balances and last five transaction statements.

One of the app's most useful features is the ability to transfer funds between your applicable Citizens accounts. You can also transfer funds to another bank account associated with fonepay networks, pay bills to utilities like Postpaid, NTC Landline, and Credit Cards, and recharge vouchers for NTC prepaid, NTC CDMA, Broad-link, Smart Cell, and Dish-home. Citizens Smart also allows you to locate branches, ATMs, and merchants with its route navigation feature.

In addition, the app provides you with the latest foreign exchange rates issued by the bank and the stock market value of the bank. You can also stop your credit/debit cards instantly in case of theft, loss, or damage. You can shake your phone to get frequently used menus and receive instant notifications for debit or credit on account activities. With Citizens Smart, you can manage your Citizens Bank accounts conveniently and securely.