Citibank Plus Everyday Account

Citibank Plus Everyday Account

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Fee Free Deposit

0

Account Keeping Fee

0.00

Free international money transfers and free overseas Citibank ATM withdrawals.

  • Upcoming changes to the Citibank Plus still mean the perks stay the same
  • $0 account or transaction fees
  • No ATM fees when using Citibank, Westpac, St.George, Bank of Melbourne or BankSA ATMs in Australia
  • No fees for using an overseas ATM, overseas in-store purchases or international money transfers

Product details

The Citibank Plus Everyday Account is a completely fee-free way to bank and can help you if you like travelling overseas. No matter how much you deposit each month, or how many times you use your debit card, Citibank will not charge you any fees for banking with their Plus Everyday Account. No ATM fees using Citibank, Westpac, BankSA and St.George branded ATMs in Australia. Use overseas Citibank ATMs for free.

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, BankSA and St.George branded 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 that you look at the various fees you might be subjected to each months.

$0 Monthly account maintenance fees

There is no monthly charge from Citibank for banking with the Plus Everyday Account.

Linked Debit Mastercard

The account comes with a Citibank issued Debit Mastercard that allows you to shop wherever Debit Mastercard is accepted, without having to pay any interest on the purchase price. The debit card comes with a PayPass chip.

$0 Transaction fees

There is no charge for purchases made using your Debit Mastercard.

Domestic ATM withdrawals

You can withdraw money from Citibank, Westpac, St.George Bank, Bank of Melbourne or BankSA ATMs in Australia without any charges to your account.

International ATM withdrawals

Citibank doesn’t charge any fees for transactions made at overseas ATMs, though some third party bank operators could charge a fee for using their ATMs. So if you use a Citibank ATM overseas, the withdrawal is free but you need to take into account exchange rates. 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.

List of all the Citibank ATMs in the world.

Overseas transactions or shopping online

Citibank doesn'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. This fee is usually charged when you conduct a transaction in a currency other than AUD.

International money transfers – send money overseas to loved ones

You can make fee-free, instant money transfers to Citibank accounts in the countries below.

BahrainIndonesiaSingapore
ChinaJerseyTaiwan
ColombiaKoreaVietnam
HungaryMalaysiaUnited States
GuamMexicoUnited Kingdom
Hong KongPhilippinesUnited Arab Emirates
India (restrictions apply)PolandThailand

If you're sending money from your Citibank Australia Plus everyday account to a non-Citibank account in another country, the recipient bank may charge fees for the transfer. These transfer are also not instant.

Foreign currencies available to transfer

AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD.

24/7 access to account

You can access your account online or with 24/7 phone banking from Citibank.

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 will receive a free bottle of wine.

$0 minimum opening balance

You can open a Citibank Plus Everyday Account without an initial deposit amount.

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.

Citibank branches in Australia

It’s important to note that Citibank branches are only placed in Capital CBDs, though bank deposits can be made at NAB branches and Australia post with Bank@Post outlets. Cash deposits not made in a Citibank branch will take up to 48 business hours to appear in your account.

One Time Password

Citibank’s online banking uses a banking password as well as a One Time Password (OTP) for extra security. The OTP can be generated using the Citibank mobile app. Make sure that you always have access to the phone number that you’ve registered for OTP.

Customer service

Citibank’s call centre is located in Manila, Philippines.

Popular across consumers

Recent figures released by Citibank show a 500% increase in applications since the product’s re-launch in October 2011.

How does the Citibank compare to the 28 Degrees Mastercard?

Citibank Plus28 Degrees
Fees for international purchases$0$0
Fees for international ATM withdrawal$03% of amount or $4 (whichever is greater)
Exchange rate usedMastercardMastercard
Monthly or annual fees$0$0
Card schemeMastercardMastercard
Card typeDebit CardCredit Card

*Rates and fees correct up to 1 July 2015


Using an international ATM with your Citibank Plus account

*Source: Whirlpool Forums

LocationCitibank Presence?Fee-Free Withdrawals?
Indonesia and BaliYesBCA, Mandiri, CIMB/Niaga, BNI, Danamon, Mega
CanadaNoBank of Montreal, TD Bank
CambodiaNoMaybank
ChinaYesICBC, Bank of China, Bank of Beijing, Citibank
EuropeYes (in some countries)Most ATMs
Hong KongYesHSBC, Bank of China
JapanYesSeven Bank, JP Bank
LaosNoNone
MacauNoSome available
MalaysiaNoMost ATMs
MyanmarNoNone
New ZealandYes (but only in Auckland)Some ATMs
SingaporeYesDBS, OCBC
Sri LankaNoMost commercial banks
TaiwanYesFirst Bank, Standard Chartered
ThailandYes (but only in Bangkok)Some ATMs
UKNoMost ATMs
USAYesMost ATMs
VietnamYes (mostly in Ho Chi Minh City)Military Bank, DongA Bank

Pros

  • No monthly account or transaction fees
  • Debit MasterCard with Mascard payWave
  • Fee-free withdrawals at partner ATMs
  • Fee-free instant money transfers
  • Free bottle of wine every time you dine at Citibank Dining Program partner restaurants
  • Free access to 3,000+ ATMs in Australia
  • Open one in 15 minutes

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.
    • The purpose of the account. 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

If you are eligible, gather together the following documentation and proceed with filling out your application online:

    • Identification documents. You are going to need at least two forms of identification when filling out the application. These can include an Australian driver’s licence, Medicare card or passport.
    • Tax File Number (TFN). Australian’s 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 to seven business days you will receive a welcome pack from Citibank which will have your Debit MasterCard inside.

The identification process

After the sign-up process it’s very likely that you’ll need to visit your local Australia Post or Citibank branch to verify your identity.

































































































































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173 Responses

  1. Default Gravatar
    VivienSeptember 20, 2018

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

    • finder Customer Care
      JoelSeptember 20, 2018Staff

      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

  2. 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.

    • finder Customer Care
      JhezelynMay 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

  3. Default Gravatar
    KimApril 18, 2018

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

    • finder Customer Care
      JhezelynApril 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

  4. Default Gravatar
    PaulApril 3, 2018

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

    • finder 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

  5. Default Gravatar
    March 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?

    • finder 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

  6. Default Gravatar
    LindaMarch 18, 2018

    Am I able to access ATMs in Portugal and Spain. From what I am reading I don’t think so.

    • finder Customer Care
      CarloMarch 25, 2018Staff

      Hi,

      Thank you for contacting finder.

      I understand you are inquiring about ATM access in Portugal and Spain.

      Your Citibank card has access around the world. You can go to any ATM outlets that has a debit or mastercard logo and you can access your card anywhere.

      Thanks.

      John

  7. Default Gravatar
    NickDecember 9, 2017

    So to confirm, if I use this card overseas I will be able to withdraw money from ATMs with no withdraw fee and no percentage on the amount withdrawn fee? Any purchases using my card, what will the fee?

    Cheers

    • Default Gravatar
      March 25, 2018

      Does this mean that there are actually Citibank ATMs in Portugal?

    • finder Customer Care
      JhezelynMarch 28, 2018Staff

      Hello Linda,

      Upon checking, there are less than a handful of Citibank ATMs in Portugal. There are also 3 Citibank International Plc branches in Portugal (Lisbon and Funchal). You can check this on find my Citi website.

      Regards,
      Jhezelyn

    • finder Customer Care
      JoanneDecember 9, 2017Staff

      Hi Nick,

      Thanks for reaching out.

      Citibank doesn’t charge any fees for transactions made at overseas ATMs. However, there are third party bank operators that could charge a fee for using their ATMs. If you use a Citibank ATM overseas, the withdrawal is free, you just need to take into account the exchange rates. If you will be using a NON-CITIBANK branded ATM overseas, then that particular ATM operator is likely to charge you a fee.

      There are no fees charged for international purchases such as buying 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.

      Cheers,
      Joanne

  8. Default Gravatar
    MattNovember 30, 2017

    It seems all good apart from the foreign transaction fee at 2.50%. Mind you many are 2.9 and 3%. So while its great for when you actually travelling overseas, its not so good for internet purchases in USD or Euros for example? I guess for consumer goods we now have Amazon Australia gearing up along with Ebay so there is less of a need to buy from foreign shops and can just stick to those that price in AUD.

    • finder Customer Care
      MayNovember 30, 2017Staff

      Hi Matt,

      Thank you for your comment.

      Are you pertaining to the Citibank Plus Everyday Account? This account does not actually charge fees for international purchases, which is one way of saving on fees while buying overseas or online in foreign currencies. Though you are correct that some other transaction account accounts would charge as much as 3% of the transaction value when using the card to purchase online.

      Cheers,
      May

    • Default Gravatar
      MattNovember 30, 2017

      Hi May,

      I thought there were no foreign transaction fees and that’s what attracted me to it. I downloaded a PDF fee document which I thought was for this specific account but alas its a “global” fee document. My bad on that one ;)

      Personally I will be using this account for when I go overseas for foreign ATM withdrawals, Thailand mainly. Although Citibank should consider ATM in area’s other than Bangkok, particularly Chiang Mai, Phuket, Pattaya.

      Btw, I think the best business accounts for avoiding foreign transaction fees will be the Transferwise borderless accounts when they finally put out their debit mastercard.

      Looking forward to that.

  9. Default Gravatar
    KellieSeptember 13, 2017

    I have just received a citibank debit card but have no other citibank accounts. How do i set up so I can load money to the debit card from my Nab or Ing account?

    • Default Gravatar
      ArnoldSeptember 13, 2017

      Hi Kellie,

      Thanks for your inquiry

      National Australia Bank accepts deposits into your Citibank everyday transaction accounts you may also check with NAB if you can transfer funds into your Citibank account through ATM Machines or online.

      Hope this information helps

      Cheers,
      Arnold

  10. Default Gravatar
    fernandoSeptember 7, 2017

    if iam out of australia ,,can i check my account online without access to my phone number

    • finder Customer Care
      MaySeptember 7, 2017Staff

      Hi Fernando,

      Thank you for your inquiry.

      Just to confirm if this is your first time to register for an online banking to access your account? If so, I’m afraid that when registering for Citibank online banking you would need your mobile number because a One-Time authentication PIN will be sent to your registered mobile number, which you will need to enter on the screen.

      But if you already have a registered account, you can log into your account online by entering your username and password.

      Hope this helps.

      Cheers,
      May

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