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	Citibank Plus
	Citibank Online Saver
	Term Deposits
	Switch to Citibank

Enjoy this great everyday account with no monthly fee, no minimum balance and unlimited free transactions¹.

PLUS you can link up to three high interest savings accounts. Click here to see how it works.

	$0 monthly fee
	No minimum deposit
	Unlimited free transactions¹
	Free Citibank Global Transfers³
	Unlimited free ATM withdrawals at any Westpac, St George*, Bank SA or Citibank ATM in Australia¹
	Visa Debit Card for online, domestic and overseas purchases Cheque book access

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

	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.
	Are there any account fees?
	No, there is $0 monthly account fee on your Citibank Plus Transaction Account. To read about these fees simply click on Fees and Charges.

Switching Bank Accounts

	How do I organise for the direct debits on my old account to go to my new Citibank Plus?
	Direct debits are an agreement between yourself and the merchant or service provider, therefore you will need to contact the company directly to advise them of your new account details. For details about switching bank accounts refer to our step-by-step guide.
	Can I close my old bank accounts through Citibank?
	You need to contact your previous financial institution personally to close your account. You should first make sure all your service providers have redirected any direct credits or debits to your new account before you close your old account.

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. Unlimited free transactions apply to those made in Australia but excludes charges for bank cheques, international payments and foreign currency services, overdrafts, dishonours, direct charges from other ATM owners and other general banking services (click our Schedule of Fees and Charges link above). * Excludes St.George ATMs at BP station outlets in Australia.

2. Citibank Plus Linked Savings Account interest rate is subject to change at any time. The Citibank Plus Transaction account does not earn interest.

3. Free international transfers available from Citibank Australia to Citibank accounts in 27 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.  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.

4. To be eligible to have the Monthly Account Keeping Fee ('monthly fee') of $5 waived you must organise an ongoing regular direct salary credit of $3,000 or more to your Citibank Plus Transaction Account.

Citibank Plus is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL 238098 ('Citibank'). The fees and charges and 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.

© 2009 Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098. Citibank®, Citi®, Citi never sleeps and Arc Design® are service marks of Citigroup Inc.

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