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Citibank Ultimate Saver offers you all the benefits of an everyday transaction account that also pays you high interest.
You can access your money easily via ATMs, online or phone with unlimited free transactions and no monthly fee.
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Earn 5.00% p.a.1 on the portion of your balance from $10,000 to $1,000,000. The first $10,000 does not earn interest.
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Unlimited free transactions and no ATM fees at Citi, Westpac, St.George* and BankSA ATMs around Australia2
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No monthly fee |
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Minimum ongoing balance $10,000 |
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Online banking |
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Phone banking |
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Visa Debit |
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| Flexibility |
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| Transaction frequency |
Moderate |
| Minimum opening balance |
$0 |
| Minimum ongoing balance |
$10,000+ |
| Funds at call |
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| Monthly statement |
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| Interest |
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Standard Variable Rate 
(on portion of balance from $10,000 to $1million) |
5.00% p.a.1 |
| Interest paid |
Monthly |
| Calculated daily |
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| Access> |
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| ATM/EFTPOS |
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| Visa Debit |
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| Cheque book access |
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| Australia Post Bank@Post Outlets |
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| Overseas ATM |
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| Internet banking |
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| Phone banking |
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| Written instructions |
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| > All points of access may not be available if method of operation requires more than one to sign |
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| Fees |
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| Free transactions per month |
Unlimited# |
| Fee per withdrawal thereafter |
$0 |
| Monthly account keeping fee |
$0 |
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| To apply for an Ultimate Saver Account: |
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| Product Features |
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What are the benefits of this account? |
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High interest rate on your savings, calculated daily and paid monthly |
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Unlimited free transactions and no ATM fees at Citi, Westpac, St.George - branded* and BankSA ATMs around Australia2
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No monthly fee or transaction fees. -(Charges for bank cheques, international payments and foreign currency services, overdrafts, dishonours and other product services apply. Please refer to the schedule of fees and charges for full details). |
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Easy access to your money at anytime via online banking, phone banking, branch, ATMs and all through just one account. |
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Is there a monthly fee for this account? |
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There is NO monthly fee for this account. |
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Is there a minimum balance requirement for this account? |
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Yes, a minimum balance of $10,000 must be maintained in your Citibank Ultimate Saver. |
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What will happen if I do not meet the minimum balance requirement for this account? |
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If you do not meet the ongoing monthly balance requirement, Citibank reserves the right to close the account and refund the balance in the account to you. |
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Is there a maximum balance that can be placed in this account? |
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There are no restrictions on the maximum amount that can be placed in this account. |
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I already have an existing Citibank account. Can I open this account? |
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Yes, you can. |
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| Opening a Citibank Ultimate Saver |
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How do I open a Citibank Ultimate Saver? |
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| To apply for a Citibank Ultimate Saver you have the following options: |
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Online at www.citibank.com.au |
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Visit one of our branches |
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By phone at 1300 559 424 |
To activate your account you will be required to identify yourself at any Australia Post outlet of Citibank branch. To do this you will need to complete the identification forms provided at the end of the application process or available online.
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. |
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Can Citibank Ultimate Saver be used for business purposes? |
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No, this account is available to personal customers only. For business accounts a great rate is available through the Ultimate Business Saver. |
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Do I need to come into a Citibank branch? |
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No, you do not need to come into a Citibank branch to apply for this account. You can apply online or over the phone. |
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Can we set up a joint account? |
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Yes. Just follow the online application process and click on the 'joint account' option. Alternately, you can fill in the details about the joint holder in the paper application form. |
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When will I receive my account number? |
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Your Citibank Ultimate Saver Account number is provided at the end of the online application and will also be sent in writing once your account is open.
From the time we receive your application and identification documents, it can take up to 3 business days to activate your account(s) and up to 7 business days for you to receive your Visa Debit Citicard, ATM PIN, CitiPhone Banking Telephone PIN (TPIN) and deposit book (if you do not already have one). |
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How will I know when my account is ready to use? |
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We will advise you by email that your account is open. |
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How will I receive account statements? |
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When you apply for Citibank Ultimate Saver, 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. |
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What if I want to speak to someone? |
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You can call CitiPhone Banking on 1300 137 931 (or +61 2 8225 0615 if you are calling from overseas) to speak to a Citibank Customer Service Operator. CitiPhone Banking is available 24 hours a day, seven days a week. |
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| View the Terms and Conditions (Adobe PDF, 269kb) |
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| View the Schedule of Fees and Charges (Adobe PDF, 70kb) |
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| Watch how your savings can grow. |
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