Citibank Plus Transaction Account

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Take advantage of no foreign transaction fees or overseas ATM withdrawal fees and free international money transfers when using Citibank Global Transfers.

Citibank's Everyday Plus account is completely fee-free, meaning you don't pay for international purchases or ATM withdrawals, and account-holders can also enjoy free international money transfers to any account, anywhere in the world. With this and a host of other features, the Citibank Plus Everyday Account is worth a look.

AUD 10

Min. Transfer Amount

AUD 10,000

Max. Transfer Amount

Same day

Transfer Speed

Details

Product NameCitibank Plus Everyday Account
Min. Transfer AmountAUD 10
Max. Transfer AmountAUD 10,000
Transfer MethodsOnline, Phone, Agent, Bank Account to Bank Account
Transfer OptionsRegular payments, One off payments
Transfer Speed
Minimum transfer time
Same day
Customer ServicePhone, Chat, Email, Branch
Available CurrenciesAED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, 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, 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, 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
Online Transfer FeeAUD 0
Branch Transfer FeeAUD 0
Phone Transfer FeeAUD 0
Exchange Rate UpdatesReal time

Pros

  • No transfer fee
  • No account keeping fee
  • Transfers can be instant to eligible countries and accounts

Cons

  • Maximum transfer amount applies
  • May not get optimum exchange rate

Compare Citibank to other money transfer services

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 1 2 days AUD 9.00 0.657 USD
3,279
Transfer to over 99 countries via online banking, phone banking or through an ANZ bank branch. Go to site Show details
AUD 2,000 1 day AUD 0.00 0.675 USD
3,377
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.
Go to site Show details
AUD 3,000 1 day GBP 20.00 0.671 USD
3,348
Global Reach will match any competitor's exchange rates. Conditions apply.
No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.671 USD
3,357
Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.675 USD
3,377
SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.
Go to site Show details
AUD 250 1 - 2 days AUD 15.00 0.675 USD
3,367
$0 transfer fees for Finder customers.
No-maximum limit transfers with competitive exchange rates for 100+ currencies. No transfer fee over AUD$10,000.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.675 USD
3,377
BFX can help you send fee-free transfers to 30+ currencies. Go to site Show details
AUD 5 1 - 2 days EUR 3.00 0.671 USD
3,355
Special offer: Pay zero fees on your first 5 transfers.
Get bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details
AUD 1 Within an hour AUD 3.99 0.67 USD
3,347
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
AUD 200 1 day AUD 0.00 0.673 USD
3,364
Low minimum transfer amount of just AU$200, with no set-up fees or transfer fees. Go to site Show details

Compare up to 4 providers

The "Rate" and "Amount Received" displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention "Finder" before you commit to a brand.

What are the features of the Citibank Plus Everyday Account?

  • No foreign transaction fees or ATM withdrawal fees. The Citibank Plus Everyday Account has no fees for foreign transactions or ATM withdrawals. This can save you money when travelling, as most debit cards and credit cards will charge a percentage fee for each transaction overseas, in addition to a typical flat rate fee of between $3-$5 per withdrawal.
  • Linked Debit Mastercard. Account holders receive a Debit Mastercard, allowing you to shop online and in-store both in Australia and overseas.
  • Convenience and large ATM network. Using your Debit Mastercard you can access your money at over 3,000 ATMs across Australia with Citibank, Westpac, St George, Bank of Melbourne and BankSA ATMs with no ATM charges.
  • Account tracking. Citibank helps you keep track of your spending and account activity with regular SMS notifications through Citi Alerts.
  • Free wine when you dine at eligible restaurants. With the Citibank Dining Program, included with this account, you’ll receive a free bottle of wine every time you dine and pay with your Debit Mastercard at any participating restaurant.
  • Free international money transfers with Citibank Global Transfers. A key aspect of this account is international money transfers with no transfer fee. See more details on this feature below.

How does Citibank Plus stack up against Latitude 28° Global Platinum Mastercard?

Citibank Plus
  • Account type: Transaction account
  • Card type: Mastercard
  • Fees for international money transfer: $0
  • Fees for international ATM withdrawal: $0
  • Monthly/annual fees: $0
  • Covered for fraud? Yes, by Citibank Fraudshield (if conditions of use are followed)
  • Offers credit? No
  • Exchange rate offered? Mastercard exchange rate at time of purchase
Latitude 28° Global Platinum Mastercard
  • Account type: Credit card
  • Card type: Mastercard
  • Fees for international money transfer: $0
  • Fees for international ATM withdrawal: 3% of the cash advance or $4 (whichever is higher), pus cash advance interest rate if applicable. If funds are preloaded onto the card interest will not be charged, but fees still apply.
  • Monthly/annual fees: $0
  • Covered for fraud? Yes
  • Offers credit? Yes
  • Exchange rate offered? The Mastercard rate at the time of purchase

How does the free international money transfers feature work?

Citibank offers a wide range of international money transfers with this account, but it’s important to understand how they work to avoid fees and charges. When you transfer funds in any currency from your Citibank Plus account to any other account in the world, you will not be charged a transfer fee.

When you send money between Citibank accounts in participating countries your money will arrive instantly. When you transfer your money online to any other bank account your payment will be processed in three to five business days.

Terms and conditions explained in simple English

Citibank Global Transfers are available when you transfer money from Citibank Australia to an eligible Citibank account in the selected countries listed below. A daily transfer limit applies and funds are converted to the destination amount specified by before the transfer. The exchange rate applies includes a commission for the conversion service. Depending on local regulations, transfers will typically reach the destination account immediately, but can take up to 24 business hours.

Citibank Global transfers are available to the following countries:

  • Bahrain
  • China
  • Colombia
  • Czech Republic
  • Guam
  • Hong Kong
  • Hungary
  • India
  • Indonesia
  • Japan
  • Jersey
  • Korea
  • Malaysia
  • Mexico
  • Philippines
  • Poland
  • Singapore
  • Taiwan
  • Thailand
  • United States
  • United Kingdom
  • United Arab Emirates
  • Vietnam

How does this account help when you're travelling?

If you use Citibank or any partner-branded ATMs overseas you won’t be charged ATM fees. With the Mastercard-branded debit card you can also shop using your own money when you’re travelling, and the account offers unlimited fee-free transactions.


What fees and charges are payable with this account?

The Citibank Plus Everyday Account charges no monthly fees and no fees for international transactions or ATM withdrawals at supported banks. If you withdraw from an ATM in Australia which isn't a Citibank or Westpac Group ATM (which includes Westpac, St.George, BankSA and Bank of Melbourne ATMs) you'll be charged ATM owner fees, which will depend on the ATM you use.


How do you apply for the Citibank Plus Everyday Account?

You can apply for the Citibank Plus Everyday Account through their website. Once you agree to Citibank’s terms and conditions you can confirm the type of account you want to open. You’ll need to provide the following basic details:

  • Proof that you’re over the age of 18
  • Two forms of ID - Australian Driver's Licence and Medicare Card or Australian Driver's Licence and Passport.
  • Residential and contact details, including your current email address

Once you’ve provided this information and been approved for the account, you should receive details of your account and your Debit Mastercard soon after.

My account has been set up - how do I send money overseas?

Go to Payments and Transfers > Add a Payee > Follow the prompts on the page.

Citibank Plus online banking transfer menu

International Money Transfer Offers

Important Information*
Logo for ANZ International Money Transfer
ANZ International Money Transfer

Transfer to over 99 countries via online banking, phone banking or through an ANZ bank branch.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
Send money overseas in 30+ currencies with competitive rates for transfer amounts over $2,000.

Logo for Global Reach (formerly FC Exchange) International Money Transfers
Global Reach (formerly FC Exchange) International Money Transfers

Global Reach will match any competitor's exchange rates. Conditions apply.
No transfer fee when transferring more than £10,000 or equivalent. Send money in over 130 currencies. No maximum transfer amount.

Logo for WorldFirst International Money Transfers
WorldFirst International Money Transfers

Better exchange rates for Finder customers.
Send 60+ currencies at competitive rates and no fees. If you find a better eligible quote, WorldFirst will beat it.

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338 Comments

  1. Default Gravatar
    Cristie
    May 17, 2019

    Hello. how do you transfer money into the everyday transaction account? I’m going overseas & will be using this card.
    Is there a bpay biller code or account number as I’ve looked on the app & on your website, but can’t find out how to transfer onto the card

    • AvatarStaff
      Nikki
      May 18, 2019

      Hi Cristie,

      Thanks for your inquiry! To transfer money into the Citibank Plus Transaction account – you can have funds deposited directly at an over-the-counter Citibank branch, ATM, or online transfer from your another bank. (if it allows and please take note of bank transfer fees) You would need your Citibank account number to make the transfer.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Best,
      Nikki

  2. Default Gravatar
    Dianne
    March 28, 2019

    Hello Iam travelling to Europe and Dubai later this year and was considering a Citi Bank plus acct as a secondary acct.
    My questions is best way deposit into my Citi Bank acct from my ANZ acct while in Europe and estimated days transfer will take if I need to top up funds.
    If I have AUD in the acct does it automatically transfer into the currency of the Country your in.
    I already have a ANZ Rewards travel adventure card and was going to put it in credit.
    Many t thanks

    • AvatarStaff
      Nikki
      March 29, 2019

      Hi Dianne,

      Thanks for reaching out! ANZ has a Pay Anyone option where you can transfer funds from your ANZ to another non-ANZ bank account online, by branch and phone banking. Take note of fees below.

      Online NZD$18
      Branch NZD$28
      Phone banking NZD$28

      To make a Pay Anyone payment you’ll need the BSB and Account number or PayID of the intended recipient. A PayID may be a phone number, email address, Australian Business Number (ABN)/Australian Company Number (ACN) or organization ID (Org ID). The funds are deducted from the selected account immediately and ANZ processes the payment. Once ANZ forwards the funds to the recipient’s account, it is dependent on their bank as to how long it takes for the funds to appear.

      Regarding the currency, generally, you will need to transfer the same currency from your ANZ to your Citibank account but when you withdraw funds from your Citibank account – you will have the option to choose AUD or the local currency of the country you’re in.

      Hope this helps!

      Best,
      Nikki

  3. Default Gravatar
    herbert
    November 24, 2018

    Are there any fees or charges when you transfer money from overseas to Australia?

    • AvatarStaff
      Charisse
      November 25, 2018

      Hi Herbert,

      Thanks for reaching out to finder.

      If you are referring to Citibank Plus Everyday Account, there is no fee for incoming or outgoing fund transfers. You can send or receive money free of charge, anywhere in the world.

      I hope this helps.

      Cheers,
      Charisse

  4. Default Gravatar
    charlie
    November 6, 2018

    hello,
    i was wondering if I’m able to use this card in laos? I will also be planning on using it in vietnam, are there specific atm’s i have to use to avoid fees on the card?

    • AvatarStaff
      Nikki
      November 6, 2018

      Hi Charlie,

      Thanks for getting in touch! You may certainly use the Citibank Plus Everyday account in Laos and Vietnam. The Citibank Plus account is a fee-free everyday account. There are no currency conversion fees or international transaction fees applicable when using the overseas. It will not charge you ATM fees when using any ATM in the world including in-store purchases. Please note that non-Citibank ATM owners may charge a fee for use of their ATM.
      There is no specific ATM’s that you can use globally. You can use all ATM’s that has a Plus or Mastercard logo.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      Cheers,
      Nikki

  5. Default Gravatar
    max
    October 23, 2018

    I’m interested in the applying for this Citibank account but wondering if there is a minimum monthly transfer amount for this account? I.e. Do I have to transfer a certain amount into this account to keep it active?

    • AvatarStaff
      Charisse
      October 24, 2018

      Hi Max,

      Thanks for reaching out to finder.

      There is no minimum transfer amount required to keep Citibank Plus transaction account active. This account does not also have any minimum opening balance, minimum ongoing balance and monthly account keeping fee.

      If you need more information, you can visit Citibank website or contact them directly.

      I hope this helps.

      Cheers,
      Charisse

  6. Default Gravatar
    Joe
    October 22, 2018

    I’ve noticed that Citibank now have their own exchange rates on their website and app. I can’t remember when was the last time I checked but I don’t remember seeing it before. So do they still use Mastercard’s exchange rate for foreign currency transactions and overseas ATM withdrawals and in-store purchase?

    I’ve been using Citibank for all my overseas related transactions thanks to the great exchange rate and $0 fees. It is especially convenient when I travel to countries like Singapore which have plenty of their ATMs and I can withdraw cash as I go at Mastercard’s very good rate.
    It’d be great if you could verify any changes in the exchange rates they use for the transactions I mentioned above.

    Thank heaps.

    • AvatarStaff
      Jeni
      October 22, 2018

      Hi Joe,

      Thank you for getting in touch with finder.

      Nothing’s changed if you use your Citibank debit card overseas. They still use Mastercard’s exchange rate for foreign currency transactions and overseas ATM withdrawals and in-store purchases. Citibank’s Foreign Exchange Rates page is basically applicable for Citibank’s global transfers and foreign investment transactions only. I still recommend that you contact Citibank directly to verify this matter as well.

      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

  7. Default Gravatar
    Tina
    August 20, 2018

    Where do I find a travel card that will be accepted in Fiji?

    • AvatarStaff
      Jeni
      August 20, 2018

      Hi Tina,

      Thank you for getting in touch with finder.

      If you have this account, the debit card linked to this Citibank Plus Transaction account can be used in Fiji.

      You may also want to know your other options by checking out this page. On that page, you will see travel credit cards, debit cards and prepaid travel money cards that can be used in Fiji, as well as how much you should bring there.

      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

  8. Default Gravatar
    Alex
    April 17, 2018

    My 8 weeks trip to Europe will be UK, Russia, Poland and Belgium. Is Citibank Plus Everyday Account a good option to have maybe for Poland but no sure for the others?

    • AvatarStaff
      Jhez
      April 18, 2018

      Hello Alex,

      Thank you for your comment.

      You can definitely use Citibank Plus Everyday Account across Europe. No fee for ATM transactions via Citi ATM’s, for other fees, kindly refer to the fees section above.

      Meanwhile, you may want to compare other travel money cards that can be used for your travel to Europe here. I hope this helps.

      Regards,
      Jhezelyn

  9. Default Gravatar
    David
    March 13, 2018

    Where is the “Go to Site” link on this page?

    • Default Gravatar
      Ash Munoz
      March 20, 2018

      Hi David,

      Thank you for reaching out to us.

      Unfortunately, we do not have direct link for the Citibank Plus Transaction Account. You may want to compare the other transaction accounts that we have on this page. The listed transaction accounts from different banks has the green ‘Go to site’ button to redirect you to their website.

      I hope this helps.

      Please do not hesitate to reach out to us again if you have additional questions.

      Cheers,
      Ash

  10. Default Gravatar
    Zaid
    February 20, 2018

    Do they do a credit check when you apply for a Citibank Plus Everyday Account? I have opened some credit cards and I don’t want my score to fall.

    • AvatarStaff
      Jonathan
      February 21, 2018

      Hi Zaid, thanks for your inquiry

      Yes. All credit applications are recorded onto your credit score/ report. This does not necessarily mean your score will fall. Instead banks and other institutions will see your application history when you apply for a credit product next.

      Thanks,

      Jonathan

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