Citibank Plus Linked Savings Account.

Powered by Citi.

Citibank Plus Linked Savings Account. Powered by Citi.

A high interest account that allows you to transfer funds instantly to and from your linked Citibank Plus everyday account. You can have up to three Citibank Plus Linked Savings Accounts, allowing you to easily allocate your money to specific savings goals. Click here to see how it works.



Minimum opening balance $0
Minimum ongoing balance $0
Funds at call
Monthly statement


Interest earned View rates
Interest paid Monthly
Calculated daily


Internet banking
Phone banking
Written instructions

* All points of access may not be available if method of operation requires more than one to sign.


Product Fees and Charges

Free withdrawals per month Unlimited (transfers only to Citibank Plus Transaction Account)
Fee per withdrawal thereafter $0
Minimum opening balance $0
Monthly account keeping fee $0
Minimum ongoing balance $0
How to Apply

Apply now

Apply for a Citibank Plus and Citibank plus Linked Savings Account.


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Opening Citibank Plus

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, including checking your account balance, transferring funds, paying bills, changing your address and much more.

No, this account is available to personal customers only. It is not available to corporations, trusts and other entities.

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.

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.

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.

From the time we receive your application and identification documents, it can take up to 3 business days to activate your account(s).

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).

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.

You can call CitiPhone Banking on 13 24 84 (or +61 2 8225 0615 if you are calling from overseas) to speak to a Citibank Customer Service Officer. CitiPhone Banking is available 24 hours a day, seven days a week.

Interest, Fees and Charges

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.

The current interest rate is always available at Simply click on Current Interest Rate.

Every dollar in the Citibank Plus Linked Savings Account(s) earns full interest from the day it is deposited into your account.

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.

There are NO monthly fees for this account.
Read more about Citibank Fees and Charges.

Switching Bank Accounts

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.

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.

Terms and conditions apply and are available on request.

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 or call 1300 55 88 49.

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 or by phone on 1300 137 931.

© 2013 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.