Citi Plus everyday transaction account

This Citi account charges no account keeping fees, no overseas ATM fees and no foreign transaction fees.

This is a convenient everyday transaction account if you like to travel or often send money overseas. Citi charges no fees to withdraw cash from overseas ATMs, and no foreign transaction fees when using your debit card in-store while you're travelling.

4.0 ★★★★★ (1 review) Write a review


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameCiti Plus Everyday Account
Monthly account fee$0
Card accessMastercard
ATM Withdrawal Fee$0
International transaction fee0%
Monthly deposit required to waive account feeN/A
Contactless PaymentsApple Pay, Samsung Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

This transaction account is ideal for both day to day use here at home as well as when you’re travelling. It has no monthly account keeping fees and Citi charges no overseas ATM fees or international transaction fees either. Usually banks charge an international transaction fee of about 3% of the transaction value when a currency conversion is required, so not being charged this fee is a really big benefit of this account.

Keep in mind that the local ATM operator may still charge its own fee when you use an ATM overseas.

Key features

$0 Monthly account keeping fees

This account has no monthly account keeping fees, ever.

Free linked Debit Mastercard

The account comes with a linked Debit Mastercard that allows you to make purchases wherever Mastercard is accepted all around the world and online. The debit card has PayPass, so you can simply tap your card on the payment terminal without entering your PIN for purchases under $100.

How to apply


Before beginning, check the following eligibility requirements to ensure that Citi will accept your application:

  • Your current age. Only individuals who are 18 years of age or older will be considered for the Citi Plus Everyday Account.
  • Where you live. You must have a valid Australian residential address in order for your application to be processed.

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  1. Default Gravatar
    May 8, 2022

    Does any global debit card offer Israeli Shekels, Czech kroner and Hungarian Forint. Looking to be able to withdraw local currency in Israel, Prague & Budapest
    Thank you

    • Avatarfinder Customer Care
      May 12, 2022

      Hi Sharon,

      There are some Australian bank accounts that allow you to hold different currencies, but unfortunately, they don’t offer the currencies you’re after.

      Perhaps an international money transfer service could help – you can read about these here.


  2. Default Gravatar
    January 8, 2022

    When overseas when you money is converted from AUD to say Thai baht , is the conversion done using the mid market rate or the Citibank’s rate ?

    • Avatarfinder Customer Care
      January 12, 2022

      Hi Darren,

      The conversion will be done using Citi’s rate. Citi’s currency exchange rates are updated every 10 seconds and can be found on their Convert Currency page.


  3. Default Gravatar
    December 18, 2021

    Does the Australian everyday plus account have a currency conversion fee when used in India?
    Any hidden fees.

    • Avatarfinder Customer Care
      January 12, 2022

      Hi Joseph,

      If you’re referring to the Citibank Plus Transaction Account, there are no international currency conversion fees charged by Citi. Other third-party fees may apply other than Citi’s fees.


  4. Default Gravatar
    August 16, 2019

    Can I use a Citibank Plus Everyday Card at ATMs in Peru?

    • Avatarfinder Customer Care
      August 17, 2019

      Hi Sonia,

      Thank you for getting in touch with Finder.

      Yes, you may use this card in overseas ATMs like in Peru. Please note that if you’re using a non-Citibank branded ATM overseas, then the ATM operator is likely to charge you a fee. It’s important to note that this isn’t a Citibank charge and is out of Citibank’s control.

      I hope this helps.

      Thank you and have a wonderful day!


  5. Default Gravatar
    July 10, 2019

    I will be hosting an International student for the next 2 years. They are not Australian residents and on arrival will be 16 years old. Can they open a Citibank Plus Everyday Account? If not, is there a Citibank account suited to them available?

    • Default Gravatar
      July 10, 2019

      Hey Anne,

      Thanks for leaving a question on our page!

      It’s mighty generous of you to host international students! The Citibank Plus Everyday Account can be used by your visitors however they need to be 18 years old and above to apply. Also, as of this time, there are no available Citibank savings accounts for under 18 years old.

      There are international student bank accounts your students can choose from when they arrive in Australia or even when they are still in their respective home countries.

      As a friendly reminder, review the eligibility criteria, fees, interest rates, and terms & conditions of the account before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.


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