Citibank Plus Transaction Account

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.

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AUD 10

Min. Transfer Amount

AUD 10,000

Max. Transfer Amount

Same day

Transfer Speed

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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
Exchange Rate UpdatesReal time
Online Transfer FeeAUD 0
Branch Transfer FeeAUD 0
Phone Transfer FeeAUD 0

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
GBP 0 1 - 2 days AUD 3.99 0.706 USD
3,526
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 Show details
AUD 2,000 1 day AUD 0.00 0.704 USD
3,520
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.
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AUD 1 Within an hour AUD 0.00 0.703 USD
3,516
New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.
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AUD 2,000 1 day AUD 0.00 0.702 USD
3,509
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
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AUD 1 Same day AUD 0.00 0.705 USD
3,527
XE has fast transfers with low fees and a range of foreign currency tools. Go to site Show details
AUD 1 Same day AUD 3.99 0.705 USD
3,523
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.
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AUD 1 1 - 2 days AUD 22.50 0.708 USD
3,524
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details
AUD 200 1 - 2 days AUD 25.00 0.708 USD
3,524
Exclusive: New customers sending over 500 AUD from Australia use code FINDER50 to get 50 AUD off. Pay zero fees on your first transaction. Valid till 31 December 2021. T&Cs apply.
Instarem offers simple transfers with a flat 0.5% transfer fee for most transfers.
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AUD 1 1 day AUD 26.00 0.708 USD
3,523
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
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AUD 10 Within an hour AUD 2.99 0.703 USD
3,514
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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AUD 5 1 - 2 days EUR 3.00 0.704 USD
3,518
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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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

International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
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.

Logo for TorFX International Money Transfers
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.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

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337 Comments

    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

      Default Gravatar
      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

    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

      Default Gravatar
      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

    Default Gravatar
    herbert
    November 24, 2018

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

      Avatarfinder 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

    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?

      Default Gravatar
      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

    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?

      Avatarfinder 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

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