Citibank Plus Transaction Account
Summary
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 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. After 20 May 2023, Citibank will no longer be accepting new applications for Citibank Online Saver, Citibank Plus Account and the Cash Investment Account.
Details
Product details
| Product Name | Citibank Plus Everyday Account |
| Customer Service | Phone, Live chat, Email, In person |
| Maximum Transfer Amount | $100,000 |
| Number of Currencies | 158 |
Compare Citibank to other money transfer services
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), plus 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 the transfer. The exchange rate 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.
Your reviews
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Alison Banney Finder
April 13, 2023
It’ll usually take 3-5 business days for your card to arrive in the mail, depending on where you live.
Cristie
May 16, 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 Angco
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
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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
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Nikki Angco
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
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herbert
November 23, 2018
Are there any fees or charges when you transfer money from overseas to Australia?
Charisse Finder
November 24, 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
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charlie
November 06, 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 Angco
November 06, 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
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Carol Drovandi
April 13, 2023
Hello, If I were to apply for a Citibank travel card today 13 April 2023, how many days will it take to come to me?