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Citibank Plus everyday transaction account

Alison Banney
Alison Banney
Last updated:  

This Citibank 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. 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.

$0

Account keeping fee

$0

ATM withdrawal fee

$0

Overseas ATM withdrawal fee

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Details

Product NameCitibank Plus Everyday Account
Monthly account fee$0
Card accessMastercard
ATM Withdrawal Fee$0
International transaction fee0%
Monthly deposit required to waive account feeN/A

Expert review

Alison Banney

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for over six 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.

Another perk that not many people know about is all Citibank debit and credit card holders are eligible to get a free bottle of wine when eating out at select restaurants, thanks to Citibank’s Dining Program.

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

Eligibility

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.

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183 Comments

  1. Default Gravatar
    Sonia
    August 16, 2019

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

    Reply
    • Avatarfinder Customer Care
      Jeni
      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!

      Cheers,
      Jeni

      Reply
  2. Default Gravatar
    Anne
    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?

    Reply
    • Default Gravatar
      Nikki
      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 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

      Reply
  3. Default Gravatar
    Ania
    November 27, 2018

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

    Reply
    • Avatarfinder Customer Care
      Jeni
      November 27, 2018

      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

      Reply
  4. Default Gravatar
    Des
    November 16, 2018

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

    Reply
    • Default Gravatar
      Nikki
      November 16, 2018

      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

      Reply
  5. Default Gravatar
    Maureen
    October 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?

    Reply
    • Avatarfinder Customer Care
      John
      October 16, 2018

      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

      Reply
  6. Default Gravatar
    Vivien
    September 20, 2018

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

    Reply
    • Default Gravatar
      Joel
      September 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

      Reply
  7. Default Gravatar
    Ellie
    May 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.

    Reply
    • Avatarfinder Customer Care
      Jhez
      May 7, 2018

      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

      Reply
    • Default Gravatar
      Terry
      June 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?

      Reply
    • Default Gravatar
      Arnold
      June 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

      Reply
  8. Default Gravatar
    Kim
    April 18, 2018

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

    Reply
    • Avatarfinder Customer Care
      Jhez
      April 18, 2018

      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

      Reply
  9. Default Gravatar
    Paul
    April 3, 2018

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

    Reply
    • Default Gravatar
      Nikki
      April 3, 2018

      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

      Reply
  10. Default Gravatar
    Nick
    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?

    Reply
    • Avatarfinder Customer Care
      Jeni
      March 28, 2018

      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 included.

      I hope this helps.

      Have a great day!

      Cheers,
      Jeni

      Reply
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