Learn about why using Citibank Online is a lot easier than you think. It’s convenient and secure, and there may be some hidden perks that you never knew about.
What I can do with Citibank Online?
Register or activate your cards
Transfer funds or pay your bills
Transfer your money internationally
View your account summary and statements
Retrieve your lost password or ID
Change your ATM PIN
What about on Citibank Mobile?
Transfer funds to another bank account
Find the nearest restaurant where you can get a bottle of wine, for free
Learn more about your Citibank World Privileges
Locate your closest Citibank ATM or Branch
How to redeem your points for rewards (if you hold a Citibank credit card)
Tip 1: Find a Citibank ATM overseas so you can withdraw money for free
One of Citibank's most popular products, the Citibank Plus transaction account is an account that lets you withdraw your money for free from a Citibank-branded ATM, anywhere in the world. Even if you're a one-time or frequent traveller, you can save quite a bit of money by avoiding international ATM fees. Did we also mention that you're not charged an international transaction fee?
Citibank Savings Account
Citibank Online Saver
standard variable rate
Citibank Savings Account
Introductory rate of 2.30% p.a. for 4 months, reverting to a rate of 0.85% p.a. Available on balances below $500,000.
One of the common struggles we find our users experience is locating an ATM in their destination country. Using the Citibank app, you can find the closest ATM if you're travelling to one of these countries:
United Arab Emirates
To change your country settings (if Citibank doesn't automatically do this for you) head into your homepage > settings and select the country you are currently in. If you want to get down to the nitty gritty, you can even choose which city you're in and how many kilometres you're willing to travel.
Tip 2: Transfer money domestically and internationally
This is the most obvious yet overlooked feature about online banking. You’ve seen the ads and promos, but how often do you still try and give your friends cash when you have an outstanding IOU? You’ll need your recipient’s account name, BSB (Bank-State-Branch) and account number.
Sign into your account > payment and transfers > you'll be asked to insert your one-time PIN. This is generated from your mobile phone.
You'll then be asked to choose the recipient account. If this is your first time paying a particular recipient, you'll need to enter their details by clicking on 'add a payee'.
You can then choose the type of account that your payee has. If you're making an international transfer, you can pick 'telegraphic transfer'. If you're transferring to another Citibank account that is overseas, click on 'Citibank account'.
The bad thing is that you would need to have already uploaded your friend’s details into your Citibank account. So if you don’t already have your friends details in your address book, you will need to access a desktop version so you can put them in.
Open up the app > Sign in > Transfers and payments > Select recipient account type
But if you already have all your friends details, go ahead and make the transfer.
At a glance: Citibank Online Banking
Citibank Online means you can do your banking in the comfort of your own home. No need to line up in queues and you have access to your money 24/7, unless there is site maintenance of course.
If you want to bank on the go, you can register for the Citibank AU app, available on the iTunes Apple Store or Google Play.
Tip 3: You can view up to date foreign exchange rates
And it only takes a few seconds too. When you’ve opened your Citibank app, tap ‘sign in’ and below the login box, you can see ‘foreign exchange rates’.
This is handy if you’re planning to make an international transfer or currently overseas and want to know how much you have in your account in terms of another currency.
Tip 4: Choosing your next place to eat? Grab a free bottle of wine
We all know about Citibank's ‘free bottle of wine when you dine’ promotion (thanks, Gary Mehigan), but have you actually taken up Gary on the offer?
Using the Citibank app, you can find an eligible restaurant right at your fingertips. Choose ‘Citibank dining’ then ‘search nearby’ and the app automatically tells you where the closest participating restaurant is. For finder.com.au HQ, its the Yama Japanese Cafe on Level 2 Queen Victoria Building.
Frequently asked questions
To complete some transactions and for security reasons, Citibank will ask you to enter a one-time PIN. This is a one-time, six digit number that is generated through your Citibank app or sent to you via SMS so you can complete a certain transaction.
To take full advantage of all these features you'll need to hold a working and eligible Citibank account. For example, you'll need to pay for your meal with your eligible Citibank card to get your free bottle of wine.
Open your app
Sign in if you haven’t already
Select ‘Generate one-time PIN’
Enter your PIN into the box on your desktop
You can read an extensive review of the product by clicking here.
Shirley Liu is Finder's global program manager. She was previously the publisher for banking and investments and has also written comparisons for energy, money transfers, Uber Eats and many other topics. Shirley has a Master of Commerce and a Bachelor of Media, Journalism and Communications from the University of New South Wales. She is passionate about helping people find the best deal for their needs.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
finder.com.au has access to track details from the product issuers listed on our sites. Although we provide information on the products offered by a wide range of issuers, we don't cover every available product or service.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money here.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.