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	Citibank Plus
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Citibank Plus is a fee free account that offers a host of benefits like a bottle of award winning wine at partner restaurants¹, global advantages, an extensive local ATM network and much more.

Fee free, no catches.

A free bottle of award winning wine every time you dine and use your card to pay at participating restaurants in the Citibank Dining Program¹.

Fee free ATM withdrawals at over 3,000 Citibank, Westpac, St George, Bank of Melbourne and Bank SA ATMs around Australia.

Fee free use of your Citibank Visa Debit Card around the globe to make in store purchases or withdraw cash at ATMs².

Free international money transfers from Australia to any account, anywhere in the world.

Instant money transfers when sending funds�overseas to another Citibank account using Citibank Global Transfers³.

Visa Debit Card for online, domestic and overseas purchases.

Access anytime, anywhere through online, phone or mobile banking.

Make the transition to your new Citibank Plus account fast and simple with Citibank's switching service.

Winner of 2012 Money magazine's Best of the Best award for Innovation.

Compare our totally fee free account against our competitors .

Opening Citibank Plus

	Can I apply for Citibank Plus online?
	You can apply for this account online. To activate your account you will be required to complete, sign and return some identification documents at the end of the application. Once your account is open you can do everything online at www.citibank.com.au, including checking your account balance, transferring funds, paying bills, changing your address and much more.
	Can Citibank Plus be used for business purposes?
	No, this account is available to personal customers only. It is not available to corporations, trusts and other entities.
	Do I need to come into a Citibank branch?
	No, you do not need to come into a Citibank branch, you can apply online. However, you can submit your paper application form and your identification documents to one of our Citibank branches.
	Can we set up a joint account?
	Yes. Just follow the online application process and click on the 'joint account' option. Please note, Citibank Plus cannot be set up to require both parties to authorise transactions.
	When do I receive my account number?
	Your Citibank Plus Transaction Account number is provided at the end of the online application. Once your account is opened it will also be sent in writing.
	How long does it take to activate Citibank Plus?
	From the time we receive your application and identification documents, it can take up to 3 business days to activate your account(s).
	How do I know when my account is ready to use?
	We will advise you by email that your account is open. If you do not already have one you will also receive a Citicard, ATM PIN and deposit book in the mail. If this is your first Citibank account, we will also send you a CitiPhone Banking Telephone PIN (TPIN).
	What about account statements?
	When you apply for Citibank Plus, you will be asked to agree to receive your monthly account statement electronically. The statement will be placed securely within Citibank Online for you to view once you have logged in.

Interest, Fees and Charges

	Are there any fees associated with this account?
	Citibank Plus account is a fee free everyday account. What's more is that you'll also benefit from no international fees. This means no international ATM or point of sale fees when using your account abroad², as well as free international money transfers to any account anywhere in the world. Funds will also be transferred instantly if sent to another Citibank account with Citibank Global Transfers³.
	How is interest calculated on this account?
	Interest is calculated and paid only on the balance in your Citibank Plus Linked Savings Account(s). This is calculated on the daily closing balance and is paid into your savings account at the end of each month, so that you earn interest on interest.
	How do I find out what the current interest rate is?
	The current interest rate is always available at www.citibank.com.au. Simply click on Current Interest Rate.
	How long does my money have to be in the account to earn interest?
	Every dollar in the Citibank Plus Linked Savings Account(s) earns full interest from the day it is deposited into your account.
	Do I have to keep a minimum balance? Is there a maximum balance limit?
	No, you can have as much or as little as you like in your account at any time. Every dollar in your Citibank Plus Linked Savings Account(s) earns interest.

Switching Bank Accounts

	How do I organise for the direct debits on my old account to go to my new Citibank Plus?
	Switch your regular credits (e.g your salary) and debits (e.g your utility bill or gym membership debits) in four simple steps using our online switching tool. Switch now.

Apply Now

View the Terms and Conditions (Adobe PDF, 270kb)

View the Schedule of Fees and Charges (Adobe PDF, 447kb)

Terms and conditions apply and are available on request.

1. Citibank's Dining Program is operated by Pinpoint Pty Ltd ABN 49 002 693 656 and Zenith Wine Agencies Pty Ltd ABN 66 128 399 717 and is open to Citibank cardholders. The cardholder is entitled to receive a gift of a selected bottle of wine when using their Citibank debit card to pay for their restaurant bill. This offer is available only at participating partner restaurants for dine-in customers who order a minimum of a main course and is limited to one free bottle of wine per booking. Split bills are not permitted. The free bottle of wine must be requested at the time of ordering. The free bottle of wine cannot be taken away or consumed off premises and is not available to customers selecting a degustation menu option with matching wines. The free bottle of wine specified may be out of stock or replaced. Should this occur, the restaurant will provide a similar quality bottle of wine at their discretion.

2. Non-Citibank and non-Partner* ATM owners may charge you a fee for use of their ATMs. *Partner ATMs include Westpac branded, St. George, Bank of Melbourne and Bank SA ATMs within Australia.

3. Free international transfers available from Citibank Australia to select Citibank accounts in more than 25 countries worldwide using Citibank Global Transfers. Daily transfer limit applies. Funds are converted to the destination account currency at the exchange rate specified to you on Citibank Online before you confirm your transaction. This exchange rate includes a commission for the conversion service. Subject to local regulations, transfers will normally reach the destination account almost immediately after being effected, but in some cases (depending on the availability of processing facilities at the destination) may take a maximum of 24 hours.

Total balances held by a depositor with Citibank, up to an amount of AUD$250,000, automatically access the Financial Claims Scheme.� For more information go to www.apra.gov.au or call 1300 55 88 49.

Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ('Citibank'). The Terms and Conditions that apply are available on request. 

Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances.

Further information and our dispute resolution process is available at www.citibank.com.au or by phone on 1300 137 931.

� 2012 Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098. Citibank�, Citi� and Arc Design� are service marks of Citigroup Inc.

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