ONLINE AND MOBILE BANKING

You can access your Reward points balance and view rewards items by selecting the Rewards button on the home screen of the Citibank Mobile App.

Simply visit the App Store or Google Play^™ store and search for 'CitibankAU' to download the
Citibank Mobile App.

Yes. You can view your Reward points balance through the mobile app; however you must be signed in to do so.

Yes. The Mobile App gives you the ability to search for reward items by category, keyword or product code, redeem reward points, and check your redemption history.

No. You can view rewards items without being signed into the app. You will however be prompted to sign in before processing a redemption.

Yes, the mobile app does support Points Plus Pay. If the Points Plus Pay option is available for the product you want to redeem, select the Points Plus Pay option and proceed with your redemption. Note: Not all products support the Points Plus Pay option.

Citibank Mobile provides customers with the ability to perform daily banking functions securely from their mobile phones - including checking account balances, viewing recent transactions, transferring funds, and viewing and redeeming Rewards. Citibank Mobile is available anytime, anywhere, delivering convenience for our customers.

Please contact CitiPhone Banking on 13 24 84 or +61 2 8225 0615 (if outside Australia) to confirm your instructions immediately. We remind our customers to ensure that transfers are accurate prior to submitting.

There is no charge for Citibank Mobile. As this functionality requires an internet connection check with your provider for their data download fees. Some transactions performed via Citibank Mobile may incur a charge. Please refer to Citibank's Fees and Charges Schedule to confirm transaction charges.

Citibank Mobile is available 24 hours a day, seven days a week.

The terms and conditions for Citibank Mobile are contained in the Non-Cash Payment Facilities Terms and Conditions. We recommend that you read these terms and conditions carefully as they govern your use of Citibank Mobile. You are also advised to download and keep a copy of the Non-Cash Payment Facilities Terms and Conditions in a safe place for future reference.

You can access Citibank Mobile from anywhere in the world on a mobile handset that can access the internet. For security reasons, we strongly recommend you avoid using public or shared handsets when banking.

Yes, provided you have a Citicard linked to your business account.

The following accounts can be viewed on Citibank Mobile: Any accounts linked to a Citicard (such as a Transaction account, Ready Credit or Revolving Mortgage) or Citibank Credit Card in your name.

If you are already registered for Citibank Online, you can start using Citibank Mobile by simply entering the same User ID and Password you use to access Citibank Online. If you haven't registered for Citibank Online click the below link.

• Register for Citibank Online now

Your card number is the 16-digit number that appears on your Citibank Credit Card or Citicard ATM/EFTPOS card. Your PIN (ATM PIN) is the Personal Identification Number issued with your card.

Your card and PIN will be verified for security when you register to use Citibank Online. Your CitiPhone Banking Self Service Telephone PIN (TPIN) will not work with Citibank Online as it is used in Telephone Banking.

Please contact CitiPhone Banking on 13 24 84 or +61 2 8225 0615 (if outside Australia we will accept a reverse charge call made through an international operator) immediately if you think your account details are being accessed without your authority.

There are many ways to ensure your account is secure when accessing Citibank Mobile. Visit Online Security to learn more about protecting yourself online and for more security tips.

You can transfer a minimum of AUD$10 per day. Transfers to other accounts are subject to a limit of AUD$10,000 per day. Please note that you may not transfer funds from your Credit Card account.

Provided there are funds available, you can use any of your Citibank accounts. Please remember some billers do not accept Credit Card payments. Always check your bill for the different payment methods available.

Only registered BPAY^® billers are accepted by this service.

For transfers to accounts in Australia, you will need:

• The BSB number of the receiving bank. This is a 6-digit number and indicates the bank and branch number that the funds are being transferred to the account number you are sending the funds to. Please ensure that the account number for the payee you establish is correct as Citibank will credit the account based solely on the account number and BSB provided.
• For transfers to Citibank Australia accounts, you will only require the Citibank Australia account number. Please ensure that the account number for the payee you establish is correct, as Citibank will credit the account based solely on the account number provided.

Before making a transfer or payment on Citibank Mobile you will need to setup any Payee (including Billers) within the Manage Payee section of Citibank Online. Once a payee has been activated it will be available for you to select within Citibank Mobile. For further instructions on how to setup a new Payee view our
Online Demo.

New payees must be setup on Citibank Online before they are viewable on Citibank Mobile. For further instructions on how to setup a new Payee view our Online Demo.

Any transfer made from your account will appear on your Account Details and Activity as a debit immediately, with the exception of Credit Card and Ready Credit accounts for which the details will be available within two business days. It is suggested you contact the Payee directly to confirm receipt of funds.

No, but you may use your Credit Card to pay accounts using the BPAY^® facility. Please note some billers do not accept Credit Card payments. Always check your bill for the different payment methods available.

If you are transferring to a Citibank Account overseas:

• To transfer up to the daily limit of AUD$10,000 to a Citibank Account Overseas, select "Payments & Transfers" and then select the Overseas Payee - Citibank Global Transfer. Please ensure this payee has been setup through Citibank Online and has been activated with an Online Authorisation Code (OAC) or through a Customer Service Operator. Learn more about Citibank Global Transfers and participating countries.

If you are transferring to a Non-Citibank Account Overseas or a Citibank Account that is not supported by Citibank Global Transfers:

• To transfer funds select "Bill Payments & Transfers" and then select "Transfer Money Abroad" in Step 1 and then enter details as required..

Transfers to another Citibank Account overseas within the $10,000 daily limit is free of charge. Learn more about Citibank Global Transfers.

Payments to other accounts outside Australia are sent by Telegraphic Transfer and normal Telegraphic Transfer fees will apply. Please refer to Citibank's Fees and Charges Schedule to confirm current Telegraphic Transfer fees.

Transfers to another Citibank Australia account are credited immediately. For transfers to another Australian bank account, the Payee would expect to receive the funds within two working days.

Citibank Mobile has been tested across a range of mobile handsets including, Blackberry, iPhone, Nokia, Samsung and other smart phones. View our online demo to learn more about using Citibank Mobile.

Citibank Mobile can be accessed from a number of smart phones. Simply enter www.mobile.citibank.com.au into the browser on your mobile phone and you will be able to access Citibank Mobile.

If you are having difficulty connecting to the internet from your mobile phone contact your service provider. If you are having difficulty accessing Citibank Mobile call CitiPhone Banking on 13 24 84 or +61 2 8225 0615 (if outside Australia).

Your eStatement Password gives you access to the secure PDF you'll receive as an attachment to your eStatement email. You will need to enter your default password to access this PDF. For security purposes please make sure you update your eStatement Password by signing on to Citibank Online.

Your default password is your date of birth in the following format DDMmmYYYY.

Your eStatement Password can be updated through Citibank Online. Simply sign on and select 'Statement Delivery Option' from the Account Services menu. Remember that once you update your password this will affect all future eStatements. For previous eStatements you will need to still enter your old password.

It will take a maximum of 2 days for your password to update.

Sign on to Citibank Online and select 'Update Contact Details' from the Account Services menu. Make sure you submit your changes.

You will need to download Adobe Reader for free at get.adobe.com/reader/

Yes, you can still access up to 3 years worth of statements through Citibank Online.

If we are unable to deliver your eStatement to the email address we have registered then we'll send you an SMS notifying you that your eStatement bounced. To update your email address or mobile phone number sign on to Citibank Online and select 'Update Contact Details' from the Account Service Menu.

You can access and download your eStatements through Citibank Online. If you want your eStatement resent to your email address call us on 13 24 84.

You can change your statement delivery option at anytime through Citibank Online or by calling us on
13 24 84. Remember to update your contact details so your paper statement is delivered to the correct address.

All existing Citibank Australia customers are able to register for eStatements.

To register for eStatements, simply:

• Log into your Citibank Online account at www.citibank.com.au (If you are not set up for Citibank Online, register today at www.citibank.com.au/register. You will need your card number, ATM pin and account number. If you don't know your PIN please call CitiPhone on 13 24 84 to obtain a new PIN before registering online.)
• Once you have logged on, click on the Account Services menu.
• Click on the Change my Statement Delivery Option link and select the Electronic statement with email notification preference. You will be required to confirm your email address, agree to the Electronic Communication Consent and have the option to opt in to receive exclusive Citibank offers and updates via email.

*Note: Your first eStatements will be available in your next statement cycle.

Yes, your eStatements will only be available once you are logged into Citibank Online which offers the highest level of protection in its online banking system.

eStatements are automatically activated for all your accounts at the same time, so it would not be possible to have different options for various accounts.

Your first eStatements will be available in your next statement cycle.

eStatements are in Portable Document Format (PDF). Adobe Acrobat Reader is required to view the eStatements on your computer.

Each month Citibank will email you when your eStatements is available to be viewed from your Citibank Online account. After logging into Citibank Online under Account Information > View Statement and choose the statement cycle required. You will have the option to view, save or print.

After logging into Citibank Online, go to Account Services Change my contact details link to update your designated email address.

Paying your eStatements is the same as paying your paper statement, and even more convenient with BPAY^® or Funds Transfer just a few clicks away.

Citi Alerts is a free service available to all customers with a credit card or banking account. By enrolling in this service, customers are notified by email and/or SMS of certain account activities. Citi Alerts is a great way to track your account activity in real time.

Through Citibank Online you can enrol for CitiAlerts in a few simple steps.

• Sign on to Citibank Online and select 'Citi Alerts Profile' from the Account Services menu.
• Check that your email address and mobile phone number are up-to-date.
• Select 'Edit Alerts' and choose the alert you would like to receive and the notification method.
• Save your alerts by selecting 'Next'.

You can also call us on 13 24 84 to enrol for any alert service.

We have 8 alerts available for credit card and banking accounts. Below is a list of all alerts, a description of the alert and notification method.

If you don't want to receive a particular alert or alerts you have enroled for simply sign on to Citibank Online and update your 'Citi Alerts Profile'. You can also call us on 13 24 84.

If you're travelling overseas and have international roaming then you will receive your alerts as normal.

No, Citi Alerts if a free service to all customers with a credit card or banking account.

Citi Alerts if available for all Citibank credit cards, Citibank Plus accounts and Citibank Ultimate Saver accounts.

The primary account holder will receive an alert to their registered email and/or mobile phone number. This service is not available for additional card holders.

The OAC is a security feature which ensures that, should someone gain unauthorised access to your account, they will not be able to set up a payee and transfer any money out of the account. The OAC provides enhanced security to protect you from online fraud.

Before you transfer funds to any new payee, you will need to add the payee to your list, obtain the OAC and then activate the payee. This only needs to be done once for each new payee. The OAC obtained for each payee added, will be different every time.

You need to use the OAC to activate the payee, if you wish to transfer funds for the first time to any of the payees below:

• Another Citibank customer
• An account at another bank
• A Citibank account overseas.

Once you have added a new payee, you will need to activate this payee by following any of the processes outlined below:

When you receive your OAC through email or letter, you will need to activate the payee before you can transfer any funds.

• To activate the payee, select the "Activate Payee" link located within Transfer Funds at Citibank Online.
• Enter the OAC supplied, for the payee you wish to activate.
• You may now begin to transfer funds to the activated payee.

In summary, the process for setting up a new payee for Citibank and other fund transfers will be as follows:

No. You will not have to activate Bill Payees with OAC.

No. New payees need to be activated with OAC once only. Once activated, you can make transfers to that payee as you require.

The OAC expires in 15 days and the payee is deleted. So once set up, the payee should be activated promptly.

If you lose the OAC, you will need to delete the payee or call CitiPhone.

The OAC will be delivered immediately to your e-mail so that you can activate your payee and transfer funds straight away. If you do not receive the OAC by e-mail contact CitiPhone to have your payee activated without delay. CitiPhone will activate your payee and will confirm your current email address for future reference.

If you have changed your email or mailing address with Citibank recently, you may not have received the OAC through email or letter. You will need to contact CitiPhone on 13 24 84, to activate your new payee.

You can also update your current email and mailing address at www.citibank.com.au. Sign on to Citibank Online, select Change My Contact Details and enter your new details.

Citibank customers can now receive Online Authorisation Codes on all international mobile numbers when setting up payees, optimised for the following 13 countries: China, Hong Kong, India, Indonesia, Japan, Korea, Philippines, Singapore, Taiwan, Thailand, UK, US, Vietnam.

Simply update your contact number with the country code (without the + sign) and your mobile number (with or without the first 0) for example: 61 0418 888 888 or 61 418 888 888.

If you receive a suspicious email that appears to have been sent by Citibank, contact CitiPhone immediately on 13 24 84 (+61 2 8225 0615 if calling from overseas). Forward all suspicious emails as an attachment to spoof@citicorp.com for further investigation and action.

You can verify that you are communicating with a genuine financial institution by examining the website certificate during a secure session. This will verify the identity of the specific website you are accessing as well as validate that the site is secure and genuine. It also ensures that no other website can assume the identity of the original secure site. Please refer to your internet browser's documentation for instructions on how to view a certificate. Always ensure that you are using a secure website when submitting credit card or other sensitive information. To make sure you are on a secure web server, check the beginning of the website address in your browser's address bar - it should read https://, rather than just http://.

Report the theft of information to Citibank by contacting CitiPhone as quickly as possible on 13 24 84
(+61 2 8225 0615 if calling from overseas).

Web browsers use standard security protocols like Secure Socket Layer (SSL), and Secure Hyper Text Transfer Protocol (S-HTTP) to enable private information to be transmitted safely over the Internet. When you visit a website with the SSL protocol, a secure connection is created between your computer and the website server you are visiting. Once this connection is established, you can transmit any amount of information to the web server safely. In contrast, the S-HTTP is designed to transmit individual messages securely.

For most web browsers such as Microsoft Internet Explorer and Netscape Navigator, a secure, encrypted session will be indicated by a closed padlock or an unbroken key icon that appears in the lower left or right hand corner of the browser window. You should also check the address bar of your browser. If the website address starts with "https://" rather than the standard "http://" then the session is secure.

Some phishing attacks use viruses and/or Trojans to install programs called "key loggers" onto your computer. These programs capture and send out any information that you type to the phisher, including account numbers, usernames and passwords. In this case, you should:

• Install and/or update anti-virus and personal firewall software
• Update all virus definitions and perform a full scan
• Confirm every connection your firewall allows.

Digital certificates are issued by extensively audited and controlled certification authorities to authenticate a website or elements of websites. The certificate identifies the originator of the site and verifies that it has not been tampered with. When your web browser is presented with a certificate, it will check to see if a legitimate certification authority issued the certificate. If there is a match, your session will continue. Otherwise, your browser will issue a warning, and your safest action is to cancel your activity.

If a secure session is established and the information is encrypted during transmission, then others will not be able to view your information. However, you should be aware that some web browsers will store information on your computer even after you are finished conducting your online activities; this is called caching. Therefore, you should close your browser once you are finished using the Internet, particularly if you visit secure sites to conduct financial transactions, check account balances or view any other information that you regard as private and confidential.

Email sent over the Internet is generally not secure unless it is encrypted. In reality, most email programs currently do not have this capability. As most email transmissions are not secure, you should never send any personal or financial information, such as your credit card number, over email.

Verified by Visa and MasterCard SecureCode is a new product feature which provides added security when shopping online. This means only you can use your Citibank card online, giving you the same confidence you have when using your card in an actual store. When you're shopping online at participating retailers*, we may request a unique One-Time PIN (OTP) from you to confirm that the transaction is genuine and that you are the one using your card. This OTP will be sent to your mobile phone during the 'checkout' process.

No, you don't need to register as this is now a feature of your Citibank Visa or MasterCard and you have been automatically enrolled. However, you do need to ensure that we have your current mobile number, and the mobile numbers of any additional cardholders. This is to ensure all cardholders can receive unique OTPs when transacting with participating retailers.

These extra security steps are now an automatic part of how Visa and MasterCard operate online. They have been introduced to help increase the safety of your money when shopping online. Therefore, as a product feature, you are unable to opt out.

If you do not have a mobile phone, and you are transacting online with a participating retailer*, you will not be able to complete the transaction. However, most retailers accept payment by other methods, such as over the phone, and you will be able to use your Visa or MasterCard to transact in those ways.

No, the changes will only affect online purchases with a select group of retailers who have chosen to participate in the Verified by Visa and MasterCard SecureCode programs. All other transactions, such as BPAY^® and funds transfer, will not be affected.

If you update your mobile number by calling us on 13 24 84, you will be able to transact immediately with participating retailers*. If you update your mobile number online, it will take up to 48 hours for your mobile number to be updated in our system, after which you will be able to transact with participating retailers*.

Yes, you have up to three attempts to enter your OTP.

If you enter an incorrect OTP three times, you will not be able to proceed with the transaction using your Citibank card.

If you do not have a mobile phone, and you are transacting online with a participating retailer^*, you will not be able to complete the transaction. However, most retailers accept payment by other methods, such as over the phone, and you will be able to use your Visa or MasterCard to transact in those ways.

All of the retailers who have enrolled in the program will display the Verified by Visa or MasterCard SecureCode logo on their website.

You have up to two minutes after you've received the SMS with your OTP to enter it. After two minutes, the OTP expires and you will have to request a new one.

If you have deleted, or do not receive your OTP, you can simply request another OTP to be sent to your mobile phone. To do this, simply click on the 'Regenerate OTP' button located at the bottom right hand side of the screen. A new OTP will then be sent to your mobile phone. You will have three attempts to submit the correct OTP before the transaction is declined.

When a payment can't be processed, there can be a number of reasons. If your payment is unable to be processed due to your mobile number not being up to date, a customer service operator can immediately update your mobile number. You'll then be able to complete your transaction.

No, there will be no charge for sending this SMS.