Citibank Plus Everyday Account

Citibank Plus Everyday Account

Fee Free Deposit

0

Account Keeping Fee

0.00

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

  • $0 account or transaction fees
  • No foreign transaction fees charged by Citibank
  • Access ATMs globally for free
  • Send money globally for free

Product details

This is a convenient everyday transaction account if you like to travel or often send money overseas. Citibank 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.

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You'll also pay no ATM fees when using Citibank, Westpac, CommBank, NAB or ANZ branded ATMs in Australia.

Product Name
Citibank Plus Everyday Account
Monthly Account Fee
$0
Debit Card Access
Mastercard
ATM Withdrawal Fee
$0
Interest Rate p.a.
0.00%
Details
No ATM fees using Citibank, Westpac, ANZ, NAB or CBA ATMs in Australia. Use overseas Citibank ATMs for free.
Joint Application
Yes
Fee Free Deposit p.m.
$0
Overseas ATM Withdrawal Fee
$0
Overseas Eftpos Fee
0%
Phone Banking
Yes
Fees
$0
Internet Banking
Yes

What are the features of the Citibank Plus everyday account?

When comparing Citibank’s transaction account with others, make sure you consider the following 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.

Fee-free domestic ATM withdrawals

You can withdraw money from Citibank, Westpac Group, CommBank, NAB or ANZ branded ATMs in Australia with no withdrawal fees.

Fee-free international ATM withdrawal

There's no withdrawal fees for transactions made at Citibank ATMs overseas, but keep in mind that some third-party banks or ATM operators may charge their own fee. Check out this list of all the Citibank ATMs in the world if you're looking for an overseas ATM.

No international transaction fees

Citibank doesn't charge any international transaction fees when purchasing something overseas or shopping online from a non-Australian retailer website. This fee is usually charged when you conduct a transaction in a currency other than AUD, and could be as high as 3.5% of the transaction value.

Send money globally for free

You can make fee-free, instant money transfers to Citibank accounts in more than 20 countries. You can also receive money from overseas without any transaction fees. If you're sending money from your Citibank Plus everyday account to a non-Citibank account in another country, Citibank doesn't charge you a fee but the recipient bank may charge fees for the transfer.

24/7 access to account

You can access your account online via Internet banking, using phone banking or via Citibank's mobile banking app.

Free wine when you dine at eligible restaurants

If you dine at one of Citibank’s Dining Program partner restaurants and pay using your Debit Mastercard, you'll receive a free bottle of wine.

Linked with a Citibank savings account

This is a non interest earning account, but you do have the option of linking up to three separate savings accounts from Citibank. This allows you to easily transfer money into your savings.

Personal use only

This account is intended only for personal use, not to be used by a business.


Pros

  • No monthly account or transaction fees
  • Fee-free ATMs withdrawals available
  • Fee-free instant money transfers globally
  • Free bottle of wine every time you dine at Citibank Dining Program partner restaurants

Cons

  • Not available for business
  • Lack of branches in Australia

How do I apply for the Citibank Plus Everyday Account?

If after comparing the features of this everyday account with others you decide it has everything you were looking for, you can start a secure application by applying online.

Eligibility to apply online

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

    • Your current age. Only individuals who are 18 years of age or older will be considered for the Citibank Plus Everyday Account.
    • Where you live. You must have a valid Australian residential address in order for your application to be processed.
    • Personal use only. You must be setting up this account for personal use only. While it can be a joint account, it cannot be used for businesses, partnerships, trusts, companies or DIY Super Funds.

Documentation for your online application

Make sure you have the following handy before you apply.

    • Identification documents. You are going to need at least two forms of ID when filling out the application. These can include an Australian driver’s licence, Medicare card or passport.
    • Tax File Number (TFN). Australians are not required to provide a TFN, but if you do not, Citibank will deduct any applicable taxes at the top marginal rate.
    • Joint applicant information. If applying jointly you will need all of the same information for the additional applicant.

What happens after I've submitted my application?

If you have all of your information readily available, filling out the application should take no more than five minutes. Once submitted, Citibank will issue you an account number. Within five business days you should receive a welcome pack from Citibank which will have your Debit Mastercard inside.

 

































































































































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183 Responses

  1. Default Gravatar
    SoniaAugust 16, 2019

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

    • Avatarfinder Customer Care
      JeniAugust 17, 2019Staff

      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!

      Cheers,
      Jeni

  2. Default Gravatar
    AnneJuly 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?

    • Avatarfinder Customer Care
      NikkiJuly 10, 2019Staff

      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 some other options they can consider and you can refer to this page. It lines up the different types of savings accounts your students can open 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.

      Best,
      Nikki

  3. Default Gravatar
    AniaNovember 27, 2018

    What is the meaning of “exchange rates” when talking about using Citibank Plus Everyday Account debit card overseas for ATM withdrawals?

    • Avatarfinder Customer Care
      JeniNovember 27, 2018Staff

      Hi Ania,

      Thank you for getting in touch with finder.

      The exchange rates mentioned on this page is when you use your Mastercard debit card attached to this Citibank Plus Everyday Account overseas and convert the purchased/transaction payment from the country’s local currency to AUD. For the Citibank Plus Everyday account, the Mastercard exchange rate is used at the time of transaction. This exchange rate has a commission built into it, which means that you don’t pay any additional fees on top of the rate.

      I hope this helps.

      Please feel free to reach out to us if you have any other enquiries.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  4. Default Gravatar
    DesNovember 16, 2018

    If you open a joint Citibank Plus everyday account, can you get two Debit Mastercards

    • Avatarfinder Customer Care
      NikkiNovember 16, 2018Staff

      Hi Des,

      Thanks for reaching out! You will certainly get two debit MasterCards when you open a joint Citibank Plus Everyday account.
      Hope this was helpful. Don’t hesitate to message us back if you have more questions, we’re here!

      Cheers,
      Nikki

  5. Default Gravatar
    MaureenOctober 15, 2018

    Can I use my Citibank Plus card to take out money in India and Sri Lanka or use as a mastercard debit card?

    • Avatarfinder Customer Care
      JohnOctober 16, 2018Staff

      Hi Maureen,

      Thank you for leaving a question.

      This account could be used overseas without incurring overseas ATM charges as well as Eftpos charges. So you should be good using it in India and Sri Lanka. Hope this helps!

      Cheers,
      Reggie

  6. Default Gravatar
    VivienSeptember 20, 2018

    Hi there,
    Just want to confirm that there will be no charge for international ATM withdrawal fees.

    • Default Gravatar
      JoelSeptember 20, 2018

      Hi Vivien,

      Thanks for leaving a question on finder.

      I can confirm that the Citibank Plus everyday account does not have any ATM withdrawal fees when you withdraw in Citibank ATMs worldwide.

      Please send me a message if you need anything else. :)

      Cheers,
      Joel

  7. Default Gravatar
    EllieMay 6, 2018

    I can see there is no charge for international ATM withdrawal fees but just wondering if there was an international currency conversion fee for the Citibank plus everyday account.

    • Avatarfinder Customer Care
      JhezMay 7, 2018Staff

      Hello Ellie,

      Thank you for your comment.

      For Citibank Plus Everyday Account, they don’t charge any international transaction fees – so if you’re purchasing something overseas or shopping online from a non-Australian retailer website, you don’t need to worry about any fees.

      Regards,
      Jhezelyn

    • Default Gravatar
      TerryJune 22, 2018

      I am confused by what is meant by
      “There is a fee charged when you transact in a currency other than AUD. This means that you are charged a conversion fee for transactions involving a conversion of currency.”
      So, if I have AUD in my account and I purchase something while traveling in the UK in GBP does this attract a fee? Doesn’t this involve a conversion of currency?

    • Default Gravatar
      ArnoldJune 22, 2018

      Hi Terry,

      Thanks for your inquiry

      Yes, other accounts normally charge conversion fees when transacting overseas. However, the Citibank Plus Transaction account is excluded from any fees when transacting using foreign currency. So you don’t have to worry about being charged for a conversion fee when you purchase something during your travel in the UK.

      Hope this information helps

      Cheers,
      Arnold

  8. Default Gravatar
    KimApril 18, 2018

    What is the daily limit for withdrawal from ATM or for EFTOS transaction when overseas?

    • Avatarfinder Customer Care
      JhezApril 18, 2018Staff

      Hello Kim,

      Thank you for your comment.

      Citibank Plus Everyday account is a debit card that has an unlimited withdrawal with a daily maximum limit of $1,000. This is already combined withdrawals and purchases made when you enter a PIN through ATM or EFTPOS.

      You can have your daily max limit change if you wish to request it from Citibank. I hope this helps.

      Regards,
      Jhezelyn

  9. Default Gravatar
    PaulApril 3, 2018

    How soon would I receive my cards if I opened an account today. I live in Perth WA

    • Avatarfinder Customer Care
      NikkiApril 3, 2018Staff

      Hi Paul!

      Thanks for your question and for contacting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      If you have all of your information readily available, filling out the application should take no more than five minutes. Once submitted, Citibank will issue you an account number. Within 5 to 7 business days you will receive a welcome pack from Citibank which will have your Debit MasterCard inside.

      Hope this helps!

      Cheers,

      Nikki

  10. Default Gravatar
    NickMarch 28, 2018

    I’m currently overseas and am trying to find a place on the citibank website as to where I can find citibank participating countries or participating banks in alliance with citibank to avoid withdrawal fees for future countries im visiting. I will be traveling through more of Central America, Europe and Africa. Can you please advise me of this?

    • Avatarfinder Customer Care
      JeniMarch 28, 2018Staff

      Hi Nick,

      Thank you for getting in touch with finder.
      I hope you’re having fun while overseas. You may want to check out this link for your reference. This is the list of Citibank ATM Locations Worldwide – Europe and USA included.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

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