FEES AND CHARGES

Citi fees and charges.

Citi fees and charges.
Ready Credit
Fee Amount When is the fee charged How can you avoid the fee
Establishment Fee $149 Charged once on first use of your account N/A
Annual Fee $0 N/A
Late Payment Fee $10 Charged when the Payment Due is not paid by the Payment Due Date and every seven days thereafter until the Payment Due is made. Always make the Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.
Overlimit Fee $40 Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Increase your Credit Limit by contacting 13 24 8413 24 84 to see if you're eligible for an increase.

Monitor your account balance via the Citibank Mobile app or citibank.com.au

You can opt out of the Overlimit Service at anytime by contacting us on 13 24 8413 24 84.

Paper Statement Fee $2 per month Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances. Switch to electronic Statements. Click here for more details.
Outward Dishonour Fees $15 Charged each time a cheque drawn or direct debit transaction debited to the account is dishonoured. Ensure you have sufficient funds in your account to cover any cheques or Direct Debits payments.
Inward Dishonour Fees $15 Charged each time a payment to the account is dishonoured, debited at time of dishonour. Ensure that the account you make repayments from has sufficient funds in it.
Deposit Slip Copy Fee or Cheque Copy Fee $7 Charged for written information provided to you on request (or $15 if more than 6 months since transaction date). Keep a record of deposits or cheques made.
Stop Cheque Payment Fee $10 Charged when customer requests for a cheque drawn on the account to be stopped, debited to the account at time of request. Take care when addressing any cheques you write.
Statement Copy Fee $15 Charged for written information provided on request, including duplicate statements, and debited when request is processed. Keep a file of all your Statements so you have a record of them. Use online banking to view your last three Statements for free.
International Transaction Fee 2.5% of the converted AUD amount Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by Citibank to the scheme (where applicable). This fee only applies to transactions in foreign countries or made in foreign currency.
Miscellaneous Service Fee $30 minimum, $70 per hour Charged for trace requests, record search and information services, and debited to your account when your request is processed.
Citi Personal Loan Plus
Fee Amount When is the fee charged How can you avoid the fee
Establishment Fee $199 Debited to your Account on the date we issue you a statement of Account for the Statement Period in which you first use or activate your Account.
Monthly Account Service Fee $10 Debited to your Account, on your statement date. Waived for initial 12 months and following that, in the event your Account has a zero balance along with no retail or cash transactions in that Statement Period.
Late Payment Fee $10 Charged when the Payment Due is not paid by the Payment Due Date and every seven days thereafter until the Payment Due is made. Always make the Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.
Overlimit Fee $40 Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Increase your Credit Limit by contacting 13 24 8413 24 84 to see if you're eligible for an increase.

Monitor your account balance via the Citibank Mobile app or citibank.com.au

You can opt out of the Overlimit Service at anytime by contacting us on 13 24 8413 24 84.
Paper Statement Fee $2 per month Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances. Switch to electronic Statements. Click here for more details.
Outward Dishonour Fees $15 Charged each time a cheque drawn or direct debit transaction debited to the account is dishonoured. Ensure you have sufficient funds in your account to cover any cheques or Direct Debits payments.
Inward Dishonour Fees $15 Charged each time a payment to the account is dishonoured, debited at time of dishonour. Ensure that the account you make repayments from has sufficient funds in it.
Deposit Slip Copy Fee or Cheque Copy Fee $7 Charged for written information provided to you on request (or $15 if more than 6 months since transaction date). Keep a record of deposits or cheques made.
Stop Cheque Payment Fee $10 Charged when customer requests for a cheque drawn on the account to be stopped, debited to the account at time of request. Take care when addressing any cheques you write.
Statement Copy Fee $15 Charged for written information provided on request, including duplicate statements, and debited when request is processed. Keep a file of all your Statements so you have a record of them. Use online banking to view your last three Statements for free.
International Transaction Fee 2.5% of the converted AUD amount Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by Citibank to the scheme (where applicable) This fee only applies to transactions in foreign countries or made in foreign currency.
Miscellaneous Service Fee $30 minimum, $70 per hour Charged for trace requests, record search and information services, and debited to your account when your request is processed.
Personal Credit

Note: This product is no longer available to new customers.

Fee Amount When is the fee charged How can you avoid the fee
Establishment Fee $69 Charged once on first use of your account N/A
Annual Fee $99 Debited on first use including activation of product and then on each anniversary of the date of product approval. N/A
Late Payment Fee $10 Charged when the Total Minimum Payment Due is not paid by Payment Due Date and every seven days thereafter until the Total Minimum Payment Due is made. Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.
Overlimit Fee $40 This amount is charged per Statement Period when your Credit Limit is exceeded. It will be debited to your Account at the end of the Statement Period. Increase your Credit Limit by contacting 13 24 8413 24 84 to see if you're eligible for an increase.

Monitor your account balance via the Citibank Mobile app or citibank.com.au

You can opt out of the Overlimit Service at anytime by contacting us on 13 24 8413 24 84.

Paper Statement Fee $2 per month Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances. Switch to electronic Statements. Click here for more details.
Outward Dishonour Fees $15 Charged each time a cheque drawn or direct debit transaction debited to the account is dishonoured. Ensure you have sufficient funds in your account to cover any cheques or Direct Debits payments.
Inward Dishonour Fees $15 Charged each time a payment to the account is dishonoured, debited at time of dishonour. Ensure that the account you make repayments from has sufficient funds in it.
Deposit Slip Copy Fee or Cheque Copy Fee $7 Charged for written information provided to you on request (or $15 if more than 6 months since transaction date). Keep a record of deposits or cheques made.
Stop Cheque Payment Fee $10 Charged when customer requests for a cheque drawn on the account to be stopped, debited to the account at time of request. Take care when addressing any cheques you write.
Statement Copy Fee $15 Charged for written information provided on request, including duplicate statements, and debited when request is processed. Keep a file of all your Statements so you have a record of them. Use online banking to view your last three Statements for free.
International Transaction Fee 2.5% of the converted AUD amount Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by Citibank to the scheme (where applicable). This fee only applies to transactions in foreign countries or made in foreign currency.
Miscellaneous Service Fee $30 minimum, $70 per hour Charged for trace requests, record search and information services, and debited to your account when the request is processed.
Business Credit
Fee Amount When is the fee charged How can you avoid the fee
Establishment Fee $149 Debited to your account on the first use of the account, unless waived N/A
Annual Fee $120 Debited to your Account on the first use of the Account and then on each anniversary date of the date Citibank approved your account N/A
Late Payment Fee $10 If your Payment Due is not paid by the Payment Due Date and $10 every seven days thereafter until the Payment Due is made. Always pay the Total Minimum Payment Due on or before the Payment Due Date. Alternatively, set-up Easi-Pay to automate your payment.
Overlimit Fee $40 This amount is charged per Statement Period when your Credit Limit is exceeded. It will be debited to your Account at the end of the Statement Period. Increase your Credit Limit by contacting 13 24 8413 24 84 to see if you're eligible for an increase.

Monitor your account balance via the Citibank Mobile app or citibank.com.au

You can opt out of the Overlimit Service at anytime by contacting us on 13 24 8413 24 84.

Paper Statement Fee $2 per month Charged when we issue you a paper statement, and debited to your account in the following statement period. This may be waived in limited circumstances. Switch to electronic Statements. Click here for more details.
Outward Dishonour Fees $15 When a cheque drawn or direct debit transaction debited to your Account is dishonoured, debited to your Account at the time of dishonour. Ensure you have sufficient funds in your account to cover any cheques or Direct Debits payments.
Inward Dishonour Fees $15 Each time a payment to your Account is dishonoured, debited to your Account at the time of the dishonour. Ensure that the account you make repayments from has sufficient funds in it.
Deposit Slip Copy Fee or Cheque Copy Fee $7 Charged for written information provided to you on request (or $15 if more than 6 months since transaction date). Keep a record of deposits or cheques made.
Stop Cheque Payment Fee $10 When you request a cheque drawn on your Account to be stopped, debited to your Account at the time of your request. Take care when addressing any cheques you write.
Statement Copy Fee $15 For written information provided to you on request, including duplicate statements, debited to your Account when your request is processed. Keep a file of all your Statements so you have a record of them. Use online banking to view your last three Statements for free.
International Transaction Fee 2.5% of the converted AUD amount Charged for any transaction made in foreign currency. This amount includes a service and assessment fee payable by Citibank to the scheme (where applicable). This fee only applies to transactions in foreign countries or made in foreign currency.
Miscellaneous Service Fee $30 minimum, $70 per hour Charged for trace requests, record search and information services, and debited to your account when the request is processed.