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.
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.
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.
finder.com.au is an online comparison service so we can’t recommend specific products to you.
I’m very new to all of this and am wondering if you can tell me how I would find out the exchange rate I will receive if I put money into this card. For example if I put $10,000 on."]
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.
The Citibank Plus account is a fee-free everyday account. In the event that your card is lost or stolen, you will need to contact Citibank directly.
For fee-free overseas withdrawals, you will need to withdraw from a Citibank-branded ATM in Scandinavia. Bear in mind that while Citibank might not charge you for overseas withdrawals, the owner of the ATM machine might.
If you visit the Citibank website, you can locate your nearest ATM or branch anywhere in the world by using their ‘Find Citi Locations.’ Please note that although Citibank will not charge a fee for withdrawals from Citibank-branded ATMS, some ATMS may owner charge fees.
No, the Citibank Plus Everyday account has no interest.
The Citibank Plus account is a fee free everyday account. You will benefit from no international fees. This means no international ATM or point of sale fees when using your account abroad, as well as free international money transfers to any account.
Yes, that’s correct. You will need to ensure that you have sufficient funds in your Plus account to make transactions overseas. There are no currency conversion fees or international transaction fees applicable when using the Citibank Plus Debit MasterCard overseas. Citibank will not charge you ATM fees when using any ATM overseas. Please kindly note that non-Citibank ATM owners may charge a fee for use of their ATM.
With the Citibank Plus account, they change no foreign transaction fees and no international ATM withdrawal fees for purchases overseas. However, please note that while Citibank may not charge you for overseas withdrawals, the owner of the ATM machine might charge a fee. Citibank Global Transfers allows you to convert currency at the exchange rate specified to you on Citibank Online before you confirm your transaction. This exchange rate includes a commission for the conversion service.
It’s possible to apply for a joint Citibank Plus account, however it’s not possible to add a card holder to an existing account.
If you visit the Citibank website you can use their ‘Find my Citi’ to locate your nearest branch. With the Citibank Plus Everyday Account, you can transfer money via the Citibank Global Transfers. Should you have any other enquiries regarding Citibank products, we suggest that you get in contact with them directly.
As finder.com.au is an online comparison service, we do not represent Citibank. To follow up on your application, we suggest getting in touch with Citibank directly.
You can transfer funds to Turkey through the Citibank Global Transfers online. If you are having trouble processing this transfer, we advise that you get in touch with Citibank directly.
Both statements are correct. In most cases you’ll find that the ATM operator will charge a fee.
There is a Citibank branch located in Auckland – unfortunately Citibank Australia don’t have any partners overseas.
The Citibank Plus account uses MasterCard exchange rates.
Unfortunately no, you need to withdraw from a Citibank-branded ATM for fee-free withdrawals.
There’s a daily limit of $1,000 which you can withdraw or spend from this account, as well as a daily transfer limit of $10,000. You can change these at anytime by calling Citibank.
Unfortunately its only possible to have two Citibank debit cards linked to the one account. This is because there is a maximum of two people per joint account. Either your daughter or son-in-law will need to get their own Citibank Plus account.
The Citibank Plus account doesn’t attract any currency conversion fees.
Your Citibank Plus debit card can be used at ATMs, retailers or any other location that accept MasterCard. Spain also has a number of Citibank-branded ATMs where you can withdraw your money fee-free.
It doesn’t need to be verified to use overseas, but it would be good to tell Citibank about your plans to travel beforehand. Two cards are provided for a joint account.
Please note that finder.com.au is an online comparison and information service and does not represent Citibank. This card is actually a debit card, not a travel card. It only holds AUD and there are no fees for ‘reloading’ into this account.
There is no annual fee on the Citibank Plus account.
If your Citibank Plus account has not been operated on by deposit or withdrawal for a period of at least 6 months, and your account is either in debit (apart from a secured overdraft) or has a nil balance, Citibank may close your account without any prior written notice to you.
A Multi Currency Account can hold both USD and EUR. Please note that finder.com.au is an online comparison service and is not in a position to recommend specific products, providers and services.
Please note that finder.com.au is an online comparison service and is not in a position to recommend specific products, providers and services. You can use the debit card wherever MasterCard is accepted, including ATMs and merchants. MasterCard has one of the biggest networks worldwide.
Citibank will not charge ATM fees for using your Citibank Plus debit card. There is one branch in Auckland.
The transfer is fairly easy if you are comfortable using the Internet. You can do the transfer online, there is no need to go into a branch or Post Office.
As the age requirement for this account is 18, you may want to consider getting your one of your parents to apply as a joint account with you.
This card doesn’t charge currency conversion fees.
Please note that finder.com.au is an online comparison service and does not represent Citibank. It’s likely that you’ll be charged a foreign ATM operate fee is you use a non-Citibank ATM to take out money, this can go up to a few dollars. There are no currency conversion fees charged. You can apply for this card online, but if you’re a new customer Citibank will require that you visit a branch to show 100 points of ID. There’s no charge to transfer any left over funds electronically when you return.
Unfortunately the best decision regarding this will ultimately come from how important different features are to you. The Citibank Plus will not charge you for overseas ATM withdrawals, whereas many travel money cards do. On the other hand, as you mentioned, the exchange rate isn’t locked in like a travel money card is. You might start by weighing up the difference ATM fees will cost you compared to the cost of the exchange rate dropping and see which option would be cheaper.
This account is able to be opened as a joint account, as long as both applicants are eligible, meaning they are over 18 years old and have a valid email address and Australian residential address.
As long as you satisfy the eligibility criteria mentioned below, your MasterCard won’t be a problem with Citibank. - Be over 18 years of age - Valid email and Australian residential address - If applying with a joint account holder, they will need to supply their details too - The account must be opened for personal use only - You will need to supply at least two forms of identification: Australian driver’s licence, Medicare card or Passport.
There should be no problem as long as you use the card at locations which accept MasterCard. The withdrawals will be free from Citibank regardless of which ATM you use, although some ATMs will charge owner fees which you will need to check before withdrawing.
I would recommend reading the terms and conditions for your son’s particular bank. Some banks set a refund period much shorter than this, but your bank may have set this 6-8 week period in their terms and conditions for their MasterCard product. I would also recommend regularly touching base with the bank during the time taken to organise the refund to see if there is any way of speeding it up.
Citibank has a fraud protection service called Fraudshield which may be able to help in this situation. It works similar to the fraud protection services other banks use – your account will be monitored for suspicious or irregular transactions e.g purchases made overseas, and if something is found, you’ll be contacted immediately to verify if you’ve made the transaction or if it is from a fraudulent source.
Unfortunately, this is up to the bank and the card scheme (Visa, MasterCard etc) to decide. What they’re most likely doing right now is investigating the transaction, figuring out where it came from and at what time, and then using other information to come to a decision as to who is liable. In most cases, if the cardholder didn’t act in contrary to the card terms of use then they will be not be liable and will be reimbursed. Good luck with this issue and please let us know when it is resolved.
You can withdraw a maximum of $1,000 each day, and the daily transfer limit is $10,000 with this account.
Unfortunately, as we’re not Citibank, we’re unable to help you with applying for a US-based account. I’d recommend contacting Citibank directly to talk about your options for setting up an account overseas.
This card can be used overseas in Italy to purchase items in stores and withdraw money at ATMS (I used it myself in Italy last year).
Unfortunately to be eligible for this account you must be a permanent resident of Australia and have a valid Australian residential address.
You will be able to apply for the Citibank Plus by clicking on the ‘Go to Site’ buttons on this page. Note that you can identify yourself online, but if this is unsuccessful you may need to identify yourself in person at a Citibank branch or Australia Post branch.
You may be able to obtain a form from Citibank to change your individual account to a joint one. Please get in touch with them directly to enquire about this.
Unfortunately this account is only available for those at least 18 years old. You could potentially open a joint account and have your daughter as the joint account holder. Alternatively you could open one in your name and let your daughter use the card.
He may have been locked out if he didn’t inform Citibank Australia that he was temporarily leaving the country. Alternatively, there could have been security breaches that caused the account to be locked. If he’s not having any luck with the customer service team over the phone, you may want to visit your local branch on his behalf to try and resolve the issue. Please also check that he has sufficient funds in his account and that he has been trying to use an ATM with the MasterCard logo on it.
Citibank can assist you with opening your account before you leave Australia. While the Australian Citibank Plus Transaction account won’t charge you for international money transfers, you’ll need to check with Citibank Uruguay will charge a fee for receiving the funds. It’s most likely that if you transfer funds into your Uruguay account that the funds will be in Pesos, so you won’t need to exchange the currency – but it’s best to confirm this with Citibank before committing to the product.
Please note that exchange rates are incredibly volatile and change all the time. You’ll receive a your account number once you’ve completed the online application form. It typically takes up to 5-7 working days for your welcome pack to arrive that will contain your Debit Master Card.
Citibank Australia doesn’t charge any fees of international money transfers (exchange rates will apply), but just double check with your American bank to see if they charge fees for receiving the money. The maximum amount you can transfer internationally is included in your daily transfer limit.
You need to use a Citibank (not MasterCard) branded ATM for fee-free withdrawals. If you use a non-Citibank ATM, then a foreign ATM fee will most likely be charged.
Citibank Australia doesn’t have any partner ATMs overseas. However, Citibank has a number of ATMs in Thailand, Vietnam and Malaysia that you’ll be able to withdraw money from for free.
Unfortunately we can only provide general advice regarding the products we compare. Using a credit card for purchases could mean that you’re charged interest, so it just depends on your daughter’s spending style and her ability to make her repayments. Generally, when choosing ‘credit’ with a debit card means that the purchase has purchase protection and a zero liability policy. It adds a level of security to your purchases, but this feature is not available with all debit cards in the market. It advisable to check with Citibank to see if this feature is included.
There are no fees for the following: Card Issue, Account Open, Initial Load, Reload, Transfer between Currencies (because this account only holds AUD), Purchase Transaction, Cross Currency Conversion Fee, Card Replacement, Emergency Cash Advance (because it’s not a credit card), Transfer to Transaction Account, and Card Closure. If you withdraw money out of a Citibank branded ATM in Germany you won’t be charged a fee for going so. Otherwise a foreign ATM fee will most likely be charged. Unfortunately Citibank Australia doesn’t have any sister banks internationally. It’s also not possible to deposit Euros into this account. Once you’ve returned to Australia and there are still left over funds in your account, you can transfer it back into your normal Australian transaction account, or withdraw the funds from an Citibank ATM.
You’ll need to supply information about yourself including your Driver’s Licence number, place of birth, address, contact details, tax file number (you don’t have to provide this but tax will be deducted at the highest marginal rate if you don’t), and also details about your job. You must provide two forms of identification that will prove that you are identified in Australia. One of these items has to be a form of photo identification. Once your application is completed you’ll receive your card and PIN within 5 – 7 business days.
Please note that finder.com.au is an online comparison service. We don’t actually issue any of the products ourselves. It’s best for you to get in touch with Citibank directly to see if they can issue you the card within 5 business days.
Cash withdrawals for CBA accounts attract a fee of AUD$5.00 plus 3% of the transaction value (at the time of writing). Unfortunately we don’t recommend specific products, services or providers though you can compare a range of providers here that provide accounts to non-residents. It might be a good idea to check their overseas ATM withdrawal fees before committing to anything.
I’ll answer your question in corresponding points to make it easier to see: 1. This account charges no currency exchange fee. There is a margin as part of the exchange rate, which you can work out by seeing the MasterCard exchange rates, which is what the card uses. 2. Yes, the card is a regular debit card, meaning it will have your name printed on it, and has a security chip inbuilt. 3. There are no Citibank international ATM withdrawal fees, meaning the only fee you need to worry about is the local ATM fee. 4. The daily withdrawal limit is $1,000, and the daily transfer limit is $10,000. 5. No, there are no fees for making deposits, inactivity or closing your account. As I mentioned, this account is a debit card, not a travel money card, meaning many of the fees usually charged by a travel card are not charged by this fee-free transaction account.
If the ATM has a ‘plus’ symbol on it you can hit savings, if not you can select credit to withdraw money from an overseas ATM.
You’re unable to use BPAY to transfer funds onto your Debit MasterCard, you’ll need to use a direct debit transfer to credit your account. When you’ve done this you’ll be able to access these funds via your Debit MasterCard.
This card allows you to spend in ZAR, although note that this card is a debit card, not a travel card, meaning you can’t preload funds onto it.
No you won’t be charged an international transaction fee if you use your Debit MasterCard to purchase something internationally online.
Yes there are Citibank branches and ATMs in Hanoi. You can make a cash deposit at the branch, but please keep in mind that fees and exchange rates will apply to this transaction. Upon depositing, please confirm these with the Citibank staff member.
First off, there is no foreign conversion fees payable on the Debit MasterCard that comes with this account. - You can use your account to perform electronic transfers and pay for bills and there is no charge for these kind of transactions. - According to the Citibank website, they list no applicable fees for this account. Before you apply you should read through the terms and conditions of the account. - You can open the account by clicking the green ‘Go to site’ button on this page and following the application process on Citibank’s site.
Unfortunately we don’t recommend specific products, services or providers. The Citibank Plus is a competitive product and offers free international money transfer from Australia to any account. If you’d like, you can also read our travel money guide for Switzerland.
You’ll receive the MasterCard exchange rate for the day, which you can find here (enter in ’0′ in the bank fee section).
There are no branches in Italy. 2. You can deposit into this account via cheque, EFT, salary crediting, at Australia Post and at NAB branches. 3. At time of writing, 1 EUR = 1.44 AUD
Yes this card is accepted at Mastercard locations. Please note that fees could apply.
I’d recommend contacting Citibank Plus directly about this matter.
This account doesn’t charge fees for withdrawing from an ATM. It does allow you to deposit and transfer from this account to different bank accounts. There’s no extra insurance on this card, but as is the case with all Mastercards, it’s covered by Mastercard’s Zero Liability policy, which means that if you follow the conditions of use for this card you will not be held at fault for any fraudulent transactions. This means you’ll also receive provisional credit to cover any losses within five business days. If your card is stolen you can contact Citibank to have your account blocked and a new card issued.
No conversion fees apply to that withdrawal but you may be charged a foreign ATM fee. Citibank-branded ATMs allow fee-free withdraws for Citibank cards.
You can search for Citibank ATMs and branches across the globe by using findmyciti.
As mentioned, the commission would be included in the exchange rate, which would make up some of the difference between the rate Mastercard offers and the prevailing rate available on the foreign exchange market. According to the Mastercard website, they charge financial institutions between 0.15 to 1% when the global payment system is used, so the amount of commission charged could vary. This would then be combined with the exchange rate to give you the final rate available on the Mastercard website. There are no fees added to a global transfer with this account. Your funds will be exchanged at the Mastercard rate applicable at the time of transfer, and as the fine print mentions, this will include a commission, so there are no additional fees added to this transfer. To find out the Mastercard exchange rate for the day please visit this page.
This card doesn’t charge fees for buying anything in store overseas. There won’t be any fees, though the exchange rates will apply.
On the Citibank website it states that, “You’ll receive a your account number once you’ve completed the online application form. Check the mail within 5-7 working days for your Welcome Pack which will contain your new Debit Mastercard, ATM PIN and CitiPhone Banking Telephone PIN (TPIN).” You can also check the status of your application.
If the ATM isn’t a Citibank ATM you may have to pay ATM owner fees, which are separate from the bank’s own ATM fee which they charge to their own customer. It should be noted that not every country and not every ATM will come with these fees. In answer to your second question, this will depend on the bank your account is with, and the type of account you use to transfer funds. Most Australian everyday accounts will allow you to transfer to another Australian bank account free of charge, but again this will depend on the account you have. It’s recommended that you notify Citibank of the locations you’ll be travelling to and the dates you’ll be travelling. As you mention, this will reduce the chance of Citibank placing a preemptive block on your account if they see charges being put on the card in a faraway location (a telltale sign that your card details have been stolen). There’s a daily limit of $1000 which you can withdraw from this account, as well as a daily transfer limit of $10,000.
This account uses the current Debit Mastercard exchange rate when you exchange funds.
Yes you can open a joint account online. There are no international transaction fees for this account but your funds will be subject to Citibank’s Exchange Rates.
The 2.5% transaction fee doesn’t apply to the Citibank Plus Account when withdrawing funds or using the card to make a purchase in store.
If you’re using an overseas ATM, withdrawals from a Citibank-branded ATM won’t incur a fee. Using a non-Citibank branded ATM will incur the foreign operator ATM fee.
Citibank do not charge ATM fees regardless of which ATM machine you use so you can use whichever you happen to come across.
1. Yes, this account uses the Mastercard exchange rate at the time of purchase. 2. No, you will not be charged ATM owner fees if using a Citibank ATM. 3. The answer to this will depend on how long you’re going to be staying in America and how often you’ll be making withdrawals at ATMs.
This is correct, if you use the Australian Citibank card you’ll be converting funds on the spot into American dollars, which could be a problem if exchange rates get worse during the time you’re there. Keep in mind that to open an American account you’ll usually need to provide a social security number as well as other identification. Citibank offer some checking accounts which give you free ATM use of non-Citibank ATMs worldwide, so you may want to compare these too. In terms of pros and cons, taking out a Citibank Australia account will give you an account which you can use worldwide without fees and which you may find useful if you do other overseas travelling. As you mention, a Citibank US account will not require continuous conversion of funds into US dollars like the Australian account, but may charge hefty monthly fees if you’re not completing qualifying direct deposits or bill payments or if you don’t fulfil their balance requirements. The Citibank website puts these fees for the Citibank Basic Checking account at $10 a month if conditions aren’t met. I’d recommend conducting a comparison of American bank accounts before settling on one option, or perhaps taking both!
You’ll receive your card within 5 – 7 days. In response to the second question, this will depend on your employer, as they might incur fees transferring to an Australian bank account.
This is correct, although it’s wise to remember that some ATMs will charge ATM owner fees so depending on the ATM you may have to pay these fees.
There are no conversion fees for this product when making a purchase at a store or withdrawing cash at an ATM.
Unfortunately you’ve come through to finder.com.au, an online comparison service. We don’t handle any Citibank products or accounts. Please speak to the customer service team at Citibank to sort out your access with your account. They should be able to assist
You can withdraw from any ATM which accepts Debit Mastercard with this account, the ATMs do not need to be Citibank ATMs. Regardless of which ATM you use Citibank will not charge fees for currency conversion or ATM withdrawal.
This account allows you to make free international money transfers, and can also be used when traveling at stores or ATMs to make fee-free purchases and withdrawals.
This card works like a regular debit card. You load your funds onto the card (in Australian dollars) and then spend in whichever currency you need. The card will automatically convert the Australian dollars to the currency you need at the Mastercard exchange rate. There are no fees for this conversion, nor are there fees charged by Citibank when withdrawing money at ATMs.
There are no currency conversion fees charged with this card.
Are you applying from your computer at work? Sometimes the internet settings won’t let you access the application page. Please try again with your computer at home – if this problem still persists, please let us know and we’ll get our tech team on it.
To our knowledge Citibank Australia doesn’t have any partner ATMs internationally, apart from the ones that are specifically Citibank branded.
Citibank doesn’t charge fees for overseas ATM withdrawals or purchases with this card.
To receive an extra card with this account you’d need to apply in both names, or apply separately for this account.
This account is a regular transaction account, so you only spend your own money on it.
This card will not charge for using any overseas ATMs, although some ATMs will come with ATM owner fees. I’ve emailed you a link to help you find Citibank ATMs.
This usually takes 5 – 7 days according to Citibank, so you might want to take this into account.
This account still doesn’t charge fees for international transactions or ATM withdrawals.
In-store purchases do not come with any additional fees such as international transaction fees. International ATM withdrawal fees don’t come with any fees from Citibank, but you may be charge an ATM owner fee by the owner of the machine.
You can use the card where ever the Mastercard symbol is displayed; and there are a number of Citibank ATMs in Norway.
Yes, you can use your card wherever the Debit Mastercard symbol is displayed. Citibank exchange rates will be used, you can find the latest rates on the official Citibank website. For ATM withdrawals out of a non-Citibank ATM, the charges will depend on the ATM operator. If you’ve lost your PIN, visiting a branch is probably the fastest way to get it back.
You can find out the currency conversion rates for this account by using the Debit Mastercard calculator. Enter in ’0%’ in the bank fee section, as this product doesn’t charge a bank fee for international ATM withdrawals or purchases.
Yes, a cheque book is available with this account. There are no fees associated with the cheque facility with this account.
It refers to the amount that you intend to transfer online to your account.
This account doesn’t charge conversion fees regardless of which ATMs you use. I used this account at many ATMs across Europe, and was only charged ATM owner fees at a small number of ATMs.
You can use the findmyciti tool to find Citibank ATMs and partner ATMs. Unfortunately when I used the tool I couldn’t find any partner ATMs which can be used to avoid charges.
You can deposit funds into this account by one of five ways: - Cheque - Electronic funds transfer - Salary crediting - At Australia Post branches - At NAB branches
The Citibank Plus card now works on the Mastercard network, which means you’ve received the correct card. Even though the card now displays the EFTPOS logo on the back, it will still work at millions of merchants where ever Debit Mastercard is accepted.
If your card is lost or stolen you can call Citibank immediately on their emergency number. They’ll block your card immediately and organise to send you a new card. They can also organise to send you emergency cash depending on what country you’re in. Transfer times will depend on which institution your money is coming from. Usually allow between two and three business days to receive your funds.
Unfortunately this card is linked to a regular transaction account, so unlike travel money cards which can sometimes be given over the counter, this card will have your name embossed on it and so will require the usual 5 – 7 day turn around time.
This card is a Debit Mastercard, which means it is accepted where ever Debit Mastercard is accepted.
This account doesn’t charge currency conversion fees, and uses the Debit Mastercard exchange rate at the time of purchase.
You won’t be charged for using an ATM over in Thailand unless the ATM itself charges owner fees. In most cases these can be between $1 – $5 depending on the ATM. You can use any ATM with a Mastercard logo.
Unfortunately it is very hard to comment to comment on exchange rates as they are very volatile. To compare exchange rates, please log onto the official site respectively and search for ‘current exchange rates’ – this should generate pages of their rates, but be mindful that these will change all the time.
When you open your Citibank Plus Transaction account, there is a daily limit imposed on your debit card. However, you can change this to any amount you like by contacting Citibank directly.
This account doesn’t charge international transaction fees, although keep in mind that some sites such as easyJet will come with surcharges and booking fees. The easyJet website currently states there’s a 11 pound administration fee for new bookings, and a surcharge when using a Debit Mastercard of 2.0%.
There are Citibank ATMs in Singapore, Malaysia, Thailand and Hong Kong. The local ATM fee will be charged if you use a non-Citibank branded ATM (this isn’t charged by Citibank). Unfortunately we can’t say which product is best for what. This account does come with a linked Debit Mastercard so you can use it wherever the Mastercard symbol is displayed. Again, we can’t comment on exchange rates because they change all the time – to see the most up to date rates please visit the Citibank website.
This card uses the Mastercard exchange rate at the time of conversion. It doesn’t charge fees for withdrawal or making purchases overseas, although certain ATMs may charge owner fees. To find out if this product would suit you please visit the Citibank page and read the terms and conditions surrounding this product.
You can withdraw a maximum of $3000 per day using this card, and can increase this limit by calling Citibank.
Unfortunately I can’t give personal advice regarding what specific options you should take overseas, but generally speaking the combination of a credit card and transaction/prepaid travel card is one which gives an excellent combination of security, backup options and flexibility while travelling.
Unfortunately I can’t recommend one product specifically for your travels, but if you want to use your own money a debit/prepaid travel card can be a great choice for travelling. Furthermore, the Citibank Plus doesn’t charge international ATM or conversion fees.
There are no international ATM fees when using the Citibank Plus account, although there might be ATM owner fees depending on which ATM is used.
You can open a Citibank Plus Transaction account in Thailand, but if there’s a problem during your identification verification process you’ll need to be able to present your documents in a Citibank branch in Australia.
This depends on whether you’re with Visa or Mastercard.
There are no fees if you withdraw from a CitiBank ATM. If you withdraw money from a non-Citibank ATM in Europe then a third party fee may apply.
To the best of my knowledge, statements should be available for free for the last 12 months free through internet banking.
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.
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 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?
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.
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.
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!
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!
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.
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.
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?
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.
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.
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.
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?
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.
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Can I use a Citibank Plus Everyday Card at ATMs in Peru?
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
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?
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
What is the meaning of “exchange rates” when talking about using Citibank Plus Everyday Account debit card overseas for ATM withdrawals?
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
If you open a joint Citibank Plus everyday account, can you get two Debit Mastercards
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
Can I use my Citibank Plus card to take out money in India and Sri Lanka or use as a mastercard debit card?
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
Hi there,
Just want to confirm that there will be no charge for international ATM withdrawal fees.
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
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.
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
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?
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
What is the daily limit for withdrawal from ATM or for EFTOS transaction when overseas?
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
How soon would I receive my cards if I opened an account today. I live in Perth WA
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
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?
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