ONLINE AND MOBILE BANKING

To register for Citibank Online you will need to have the following:

• An active Citibank account
• Your 16-digit Card number (Citibank Credit Card, Visa Debit card or Internet Access Number)
• Your Account number (for Citibank Credit Card customers, this is just your card number).

If you are missing any of these details, please call CitiPhone on 13 24 84.

• Register for Citibank Online now

You can register your account to Citibank Online by clicking 'REGISTER' on the sign on page.

Step 1

Select your Account Type (select the option that best describes your account holdings by clicking on the card images to proceed).

Option 1: If you have a transactional, savings, or Ready Credit account i.e. you have a Debit Card with us.

Option 2: If you have a Credit Card Account only.

Step 2

Read and agree to the Terms and Conditions.

Step 3

Provide the required details to authenticate your account.

Step 4

Enter the One-Time PIN (OTP) you will receive via SMS on the mobile number you have registered with us.

Step 5

Create a User ID and Password.

Step 6

Confirmation of Registration.

• To ensure that your User ID is unique and secure, please follow these requirements when creating your Citibank Online User ID:
  • Your User ID should not contain your credit card or ATM card number
  • Your User ID is alphanumeric (e.g. qwert145)
  • Your User ID must contain more than 8 characters
  • Your User ID cannot contain 3 or more consecutive identical characters (e.g. "aaa101", "user999", "abbb10")
  • Your User ID cannot contain 3 or more consecutive sequential characters (e.g. "abc007", "user123", "xx789xx").
• Your chosen User ID will be rejected if it has already been chosen by another user.

To ensure the security of your account, please follow these requirements in creating your Password:

• Your Password should not contain spacing before the first and after the last character of your chosen password. (e.g. _qwert145_)
• Your Password cannot be the same as your User ID
• Your Password must be alphanumeric (e.g. qwert145)
• Your Password must contain more than 8 characters but no more than 16
• Your Password cannot contain 3 or more consecutive identical characters (e.g. "aaa101", "pwd999", "abbb10")
• Your Password cannot contain 3 or more consecutive sequential characters (e.g. "abc007", "pwd123", "xx789xx").

Recommended software and browser requirements

We recommend you use a PC and Internet connection with the following minimum requirements to ensure a secure Internet Banking session.

• Ensure you are using up-to-date operating system and browser software. Visit the Windows Update site to update a PC running on Windows
• Install up-to-date anti-virus software, ad/spyware scanner and a firewall on your computer. For more advice please visit our online security tips page
• Browser requirements are listed below. Please note that some Macintosh users may experience difficulties using our website.

Recommended browser and operating systems

Aside from commonly used browser plug-ins such as Adobe Reader there is no special software required to use Citibank Online. We have tested a number of operating system and browser combinations and the following combinations are recommended:

Testing of Operating System and Browser combinations is carried out on a best endeavours basis. Citibank cannot guarantee that the abovementioned combinations will work in every situation as there are many variables such as browser plug-ins/overlays, anti-virus software, security and other patches to operating systems/browsers which cannot be tested in every single combination.

To login to Citibank Online visit citibank.com.au and select 'Sign On to...' from the main menu bar. On the Sign On screen, enter your User ID and Password and click 'Sign On'.

To activate your card, simply sign into Citibank Online and click the 'Activate your Card' link which will display under your account details on the Account Summary screen. Enter the required OTP, then select the card you want to activate, click 'Activate', then confirm your card activation on the following screen.

If you have forgotten or misplaced your PIN, simply sign on to Citibank Online and click on 'My Profile' at the top of the page, then select the menu option 'Change PIN'. You can create your new PIN which will be activated instantly.

A Single User ID allows you to login to Citibank Online and view and access all of your accounts from any device, using just one Single User ID (ensure you know the password to the User ID you select).

This will apply to you if you currently have multiple Citibank Online logins (examples: multiple credit card logins, multiple banking and card logins).

If you currently use separate User IDs to access your Banking and Credit card accounts online, a Single User ID consolidates all of your accounts under just one User ID. Instead of logging in using separate login details, you will sign in to Citibank Online just using your Single User ID.

No. The login process will remain the same.

If you currently have separate Banking and Credit Card online banking login details, then yes. Please note: Your Single User ID needs to be set-up for the first time on Citibank Online prior to logging into the Citibank mobile apps or iPad app.

Yes, GVA functionality may be impacted for the following countries: Singapore, Singapore IPB, Thailand, Vietnam, Indonesia, Philippines, Australia and Guam. In case you do encounter issues viewing your accounts for any of the above countries, please re-register for GVA.

Citibank Online is the secure Internet Banking facility provided by Citibank for our customers. Citibank Online is the gateway for customers to perform their entire Internet Banking needs at any time - including checking account balances, transferring funds, making bill payments and carrying out other functions.

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.

To activate your card, simply sign into Citibank Online and click the 'Activate your Card' link which will display under your account details on the Account Summary screen. Enter the required OTP, then select the card you want to activate, click 'Activate', then confirm your card activation on the following screen.

There is no charge for Citibank Online. Some transactions performed via Citibank Online may incur a charge. Please refer to Citibank's Fees and Charges Schedule to confirm transaction charges.

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

The terms and conditions for Citibank Online 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 Online. 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 Online from any computer with an Internet connection. However, for online security reasons, we strongly recommend you avoid using public or shared computers, such as Internet cafes, to do your online banking.

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

Any accounts linked to a Citicard (such as a Transaction account, Ready Credit or Revolving Mortgage) or Credit Card in your name may be used with Citibank Online.

Prior to using Citibank Online you will need to set up your User ID, Password and Security Questions. To learn how to complete this process visit the Citibank Online - Getting Started page.

You can download or print an electronic statement. Electronic statements are available for up to 3 years for Deposit, Ready Credit, Mortgages and Credit Card accounts. You can also print recent Account Activity or export account information to your computer for use with Microsoft Money or Quicken.

Business accounts may be accessed with a User ID based on a business Citicard and personal accounts with a User ID based on a Personal Citicard.

Yes, if you wish to opt out of Citibank Online, please contact CitiPhone Banking on 13 24 84 (within Australia) or +61 2 8225 0615 (if outside Australia).

To view your accounts in more details, click on the Account name visible on the Account Summary screen and enter the required OTP.

Yes, you can customise the names of your accounts. Simply click the 'Manage Accounts Display' link, then add or edit Account Nicknames. Alternatively you can navigate to the 'My Profile' section from the 'Services' menu item (located on the top menu bar), then select 'Nickname your Account' from the left hand menu options.

If you have any payment that you make on a regular basis, you can save these as a 'Favourite Payment' for quick and easy access.

To add a Favourite Payment, go to 'Payment & Transfers'. Under the 'Quick Actions' section, click the 'Make a Payment/Transfer' option.

To the right of your screen, you will see the 'My Favourites' section. To add a new Favourite, click the 'Manage' link.

Select your 'To' and 'From' accounts, specify the amount and click 'Add one Favourite' to save.

Global View of Accounts is a service provided for Citigold customers, which allows several Citibank accounts from around the world to be linked from every participating market to your home account in Australia. From a single page within Australia's Citibank Online site, you can simply and securely view multi-country account balances. To transact on your accounts in other countries, simply log in to the individual account.

Personal budgeting lets you stay in control of your credit card. You can set expense limits across a wide range of categories and monitor your spending to ensure you stay on budget. Personal Budgeting allows you to define your own budget, using specific expense categories. The Peer Comparison tool allows you to view the weighted average credit card spend by expense category, filtered by a specific demographic criteria for accurate comparison.

Your card number is the 16-digit number that appears on your Citibank Credit Card or Citicard ATM/EFTPOS card). Your Code/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.

• Sign in to Citibank Online and select 'My Profile' from the 'Services' menu option (located on the
  top menu bar)
• Click on 'My Profile' in the left hand navigation and select the 'Change PIN' option
• Enter a OTP
• On the Change PIN page, enter your new PIN in the field provided, then re-enter it
  again to confirm
• Click 'Change PIN'.

Please contact CitiPhone Banking on 13 24 84 or +61 2 8225 0615 (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.

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.

There are many ways to ensure your Citibank Online account is secure. Learn more about Online security for more Security tips.

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.

• Sign on to Citibank Online and select 'Payments & Transfers' from the top menu bar options. Enter the required OTP
• Select a 'To Account' from the drop down list (if the To Account isn't an option, you will need to Add a new Payee first)
• Enter the Bill Payment details including Amount and Date. Click 'Next'
• Click the Bill Payment summary and if all details are correct, click 'Make This Payment'
• A summary screen will display. If you would like to make another Payment, click 'Make Another Payment'.

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.

• Sign on to Citibank Online and select 'Payments & Transfers' from the top menu bar options. Enter the required OTP
• Select 'Manage / Add Payee List' from the left hand menu, then click 'Add Payee' from the available options
• Select a 'Payee Type' from the drop down menu, then enter a Payee Name. Depending on the type of Payee you choose, fill in the following information in the required fields. Click 'Next'
• A summary of the details you have entered will display. To confirm they are correct and set up the Payee, click 'Confirm'.

When a new Payee is added, a unique 6-digit code, the Online Authorisation Code (OAC) will be issued to you to activate the new Payee. Learn more about the Online Authorisation Code.

Any transfer made from your account will appear on your Account Details and Activity enquiry 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 "Bill Payments & Transfers" and then select your Overseas Citibank Account payee. Please ensure that the account details of the international account you want to transfer to is on your payee list 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.
• To transfer funds exceeding the AUD$10,000 daily limit, select "Bill Payments & Transfers" and then select "Transfer Money Abroad" in Step 1 and then enter the details of your payment on the form provided. The account details in this form do not need to be on your list of payees.

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

Payments made by 5:00pm Sydney Time should register with the Payee by the next working day.

Inter-bank transfers within Australia are transferred as cleared funds. A clearance period may be applied to all overseas transfers by the receiving bank.

No. Calendar View does not exists anymore.

You may have more than one regular bill or payment to make each month. You can schedule all of these payments and transfers in one easy step, using the 'Multiple Payments' option. This can be found under the 'Quick Actions' section on your Payments & Transfers page within Citibank Online. Simply select your 'To' and 'From' accounts, the required amounts, dates and confirm. All your payments will be made automatically as scheduled payments.

Citibank Global Transfers make instantaneous funds transfers possible to any Citibank account in the world. First, simply add and activate your payee. Next, go to the 'Bill Payments and Transfers' tab and follow the steps.

• Learn more about transferring money abroad

The 'Transfer Money Abroad' service is a convenient way of sending money to a non-Citibank account overseas. Please note that charges may apply.

• View the Schedule of Fees for more information.

Yes, simply select 'Manage Payments & Transfers' and setup a recurring payment from your Citibank Savings/Transaction account to pay your Citibank Credit Card bills.

Yes, you are given an option when making a Payment or Transfer to select to pay Today or at a Future date.

We recommend you use a PC and Internet connection with the following minimum requirements to ensure a secure Internet Banking session.

• Ensure you are using up-to-date operating system and browser software. Visit the Windows Update site to update a PC running on Windows
• Install up-to-date anti-virus software, ad/spyware scanner and a firewall on your computer. For more advice please visit our online security tips page
• Browser requirements are listed below. Please note that some Macintosh users may experience difficulties using our website

Recommended browser and operating systems

Recommended Requirements

Aside from commonly used browser plug-ins such as Adobe Reader there is no special software required to use Citibank Online. We have tested a number of operating system and browser combinations and the following combinations are recommended:

Our tests have shown that Citibank Online will also work with the following:

There is an extra feature added to Windows XP with Service Pack 2, which blocks Pop-ups. This prevention of Pop-ups may interfere with logging on to www.citibank.com.au.

There are also several new additions to commonly used toolbars e.g. MSN Messenger version 6.2 and 7.0, Yahoo and Google, which are preventing Pop-ups from appearing as a default

You can set Citibank online as a trusted Pop-up site using the following steps:

For Internet Explorer 6 on Windows XP:

• Select the 'Tools' option from the top of your browser window.
• Select 'Pop-up Blocker', and then click on 'Pop-up Blocker Settings...'
• Type the Citibank web address with an asterisk at the beginning (e.g. *.citibank.com.au) into the 'Address of Web site to allow box' then click 'Add'.
• Click 'Close'.

Aside from commonly used browser plug-ins such as Adobe Reader there is no special software required to use Citibank Online but it is important that your browser and operating system meet the recommended requirements mentioned above.

You can obtain a printed record of a transaction by selecting "GO TO Print Receipt" or "View Record" at the conclusion of the transaction. A second browser window will pop up, displaying the information, which may be printed using your browser's print command.

You may send us a secure mail via "My Messages" within My Home.

The browser's BACK and FORWARD navigation commands are disabled while you are signed-in to Citibank Online. Please use the navigation buttons presented within the Citibank Online window.

Please contact your Internet Service Provider (ISP) or company Systems Administrator as applicable.

Please contact CitiPhone Banking on 13 24 84 or +61 2 8225 0615 (if outside Australia) with your technical question. Make sure your computer is switched on so a Customer Service Operator can assist you with your enquiry. Please have the following details ready:

• Does your computer meet the minimum requirements for signing on to Citibank Online?
• Do you encounter the same problem on another computer?
• Date and time of incident/s
• System Information
  • Operating System - Windows 95, 98, 2000, NT, ME, XP Service Pack 1 or XP Service Pack 2, MAC OS X (version 10.2x)
  • Browser - Internet Explorer 5.0, 5.5, 6.0, Netscape 4.7x or 7.0x
• Details of problem
  • Error messages encountered
  • Does the problem or incident occur before or after signing on to Citibank Online?
  • Does the problem occur intermittently, constantly, or did it occur once?

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 if not activated during this time. 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.