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    <periodOfReport>2011-09-08</periodOfReport>

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        <issuerName>Citadel EFT, Inc.</issuerName>
        <issuerTradingSymbol>CDFT</issuerTradingSymbol>
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            <rptOwnerName>DeRoos Gary</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>825 COLLEGE BLVD.</rptOwnerStreet1>
            <rptOwnerStreet2>STE. 102-328</rptOwnerStreet2>
            <rptOwnerCity>OCEANSIDE</rptOwnerCity>
            <rptOwnerState>CA</rptOwnerState>
            <rptOwnerZipCode>92057</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
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            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>1</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>President</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

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    <ownerSignature>
        <signatureName>Gary DeRoos</signatureName>
        <signatureDate>2011-11-10</signatureDate>
    </ownerSignature>
</ownershipDocument>
