Citibank Plus Transaction Account

Last updated: Aug 22, 2019

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.

This product is not currently available via Finder. Visit the provider's website directly, or compare other options.

AUD 10

Min. Transfer Amount

AUD 10,000

Max. Transfer Amount

Same day

Transfer Speed

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Details

Product Name	Citibank Plus Everyday Account
Min. Transfer Amount	AUD 10
Max. Transfer Amount	AUD 10,000
Transfer Methods	Online, Phone, Agent, Bank Account to Bank Account
Transfer Options	Regular payments, One off payments
Transfer Speed Minimum transfer time	Same day
Customer Service	Phone, Chat, Email, Branch
Available Currencies	AED, 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 Fee	AUD 0
Branch Transfer Fee	AUD 0
Phone Transfer Fee	AUD 0
Exchange Rate Updates	Real 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

Shirley Liu

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.

Compare Citibank to other money transfer services

I want to send

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GBP 0	1 - 2 days	AUD 1.99	0.769	USD 3,842	Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.	Go to site	Compare	Show details	Details Minimum transfer amount GBP 0.00 Transfer methods Online, Bank Account to Bank Account Transfer options One off payments Customer service Chat, Email Available currencies AED, ALL, AMD, 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, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HUF, IDR, ILS, INR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KZT, LAK, LBP, LKR, MAD, MDL, MGA, MKD, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NGN, NIO, NOK, NPR, NZD, OMR, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SEK, SGD, SLL, SRD, STD, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VND, VUV, WST, XAF, XCD, XOF, XPF, ZAR, ZMW Go to site Read the full review
AUD 2,000	1 day	AUD 0.00	0.771	USD 3,855	TorFX guarantees to match any competitor's exchange rate. Conditions apply. TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Phone, Bank Account to Bank Account Transfer options Regular payments, One off payments, Market orders, Forward contracts Customer service Phone, Email Available currencies AED, AUD, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, NOK, NZD, PLN, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
AUD 2,000	1 day	AUD 0.00	0.771	USD 3,855	Send guarantees to match any competitor’s exchange rate. T&Cs apply. Fee-free transfers in 30+ currencies to over 200 countries.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 2,000.00 Transfer methods Online, Bank Account to Bank Account Transfer options Regular payments, One off payments, Forward contracts Customer service Phone, Email Available currencies AED, AUD, BGN, BHD, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, IDR, ILS, INR, JPY, KES, KWD, MXN, MYR, NOK, NZD, OMR, PHP, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, USD, ZAR Go to site Read the full review
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AUD 1	Same day	AUD 3.99	0.765	USD 3,821	Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply. WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.	Go to site	Compare	Show details	Details Minimum transfer amount AUD 1.00 Transfer methods Online, Bank Account to Bank Account, Cash Transfer Transfer options One off payments Customer service Phone, Email Available currencies AED, ALL, AMD, ANG, AOA, ARS, AUD, BAM, BBD, BDT, BGN, BHD, BIF, BOB, BRL, BWP, CAD, CDF, CHF, CLP, CNY, COP, CRC, CVE, CZK, DKK, DOP, EGP, ETB, EUR, FJD, GBP, GEL, GHS, GMD, GNF, GTQ, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, ISK, JMD, JOD, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, MAD, MDL, MGA, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RUB, RWF, SCR, SEK, SGD, SLL, SOS, SRD, THB, TJS, TND, TOP, TRY, TZS, UAH, UGX, USD, UYU, VND, WST, XAF, XCD, XOF, ZAR, ZMW, BYN Go to site Read the full review
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Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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

Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

More info

TorFX International Money Transfers

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

More info

Send International Money Transfers

Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Fee-free transfers in 30+ currencies to over 200 countries.

More info

WorldFirst International Money Transfers

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

More info

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338 Comments

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

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

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

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

herbert
November 24, 2018

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

finder Customer Care

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

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?

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

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?

finder Customer Care

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

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.

finder Customer Care

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

Tina
August 20, 2018

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

finder Customer Care

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

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?

finder Customer Care

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

David
March 13, 2018

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

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

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.

finder Customer Care

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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