I'm on the up.

Citibank Starter Package.

I'm on the up. Citibank Starter Package.

Start your financial journey with a package that will be with you for the long haul.

Combining a clever pair of our most popular products, the Citibank Starter Package streamlines your everyday banking and savings, and rewards you for simply using your accounts.

The Citibank Starter Package:


When you're starting out, you need a solution that stands out and makes everyday banking easy. The Citibank Starter Package combines our essential transaction and savings accounts, and includes a cash back bonus^ to help you get ahead.

Citibank Plus:

  • Australia's only fee free everyday banking account.
  • Free access at over 3,000 Citibank, Westpac, St George, Bank of Melbourne and BankSA ATMs Australia-wide.
  • Free international money transfers from Australia to any account anywhere in the world.
  • Free Visa Debit card, so you can shop online. in-store or overseas using your own money.

Citibank Online Saver:

  • Earn competitive variable interest.
  • No minimum balance and no account fees.
  • Online and phone banking 24 hours a day, seven days a week.

Enjoy the Citibank Dining Program:

  • You'll receive a free bottle of award winning wine every time dine and pay with your Citibank card at Citibank Dining Program partner restaurants.

Starter special:


Cash back in the first year when you deposit $3,000 into your Citibank Plus each month.


Learn more about:

Unlimited free transactions
Minimum opening balance $0
Monthly eStatement
Visa Debit Card
Citibank Online
Bank@Post - Australia Post
Unlimited free transactions
Minimum opening/ongoing balance $0
Monthly eStatement
Interest Rate View Rates
Interest Calculated Daily
Interest Paid Monthly
Citibank Online
CitiPhone Banking
How to Apply

Apply now

You will need the following to apply for the Citibank Starter Package:

What you will need:

You will need the following to apply for the Citibank Starter Package:

Proof of age: You must be over 18 years of age or older.
Resident requirement You must be a resident of Australia.
Identification: You must be able to be identified in Australia at or before account opening. For Citibank Plus and Citibank Online Saver you will need to provide at least two of the following forms of identification - Australian drivers licence, Medicare card or Passport, so we can verify your identity electronically.
Personal details: Residential address, contact details (for all account holders if applying for a joint account) and your current e-mail address. We will confirm your application and send your electronic notices to this e-mail address.
Tax File Number (TFN): Or valid exemption - you do not have to provide your TFN, but without it we will be required to deduct tax at the top marginal rate.

Click on    to expand and on    to minimise the details.

About the Offer

You will receive the $120 cashback 12 months after all your accounts are approved and activated, and you've met all the criteria.

The $120 cashback will be paid into your Citibank Plus account.

To meet the $120 cashback criteria, you will have to deposit a minimum total of $3,000 by the last business day every month for 12 months into your Citibank Plus Account.

No, as long as you've deposited a minimum total of $3,000 during the course of the month into your Citibank Plus account. However, depositing your salary is an easy way to meet this minimum requirement.

We will advise you by email that your account is open. You will also receive a Citibank debit card, ATM PIN and deposit book (if requested) in the mail. We will also send you a CitiPhone Banking Telephone PIN (TPIN).

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

Unfortunately, current Citibank customers already holding a Citibank Plus account and Citibank Online saver are not eligible to apply for this introductory offer.

Once you choose to close one or more of your Citibank accounts, your Citibank Starter Package will cease.

Simply complete the switching form available online or visit your nearest Citibank branch.

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, visit

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.

You can advise us of your TFN, claim exemption or non resident status by logging into online banking and updating your status.

Citibank Plus and Citibank Online Saver Terms and Conditions (Adobe PDF, 287 KB)

Citibank Plus and Citibank Online Saver Schedule of Fees and Charges (Adobe PDF, 189 KB)

Important information:

Terms & Conditions apply and are available on request.

Citibank Plus and Citibank Online Saver are issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098 ("Citibank"). The Terms and Conditions that apply are available upon 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. 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. Further information and our dispute resolution process is available at or by phone on 1300 137 931.

New customers only. Offer ends 6th January 2015. If you do not qualify for one or more of the products, we will still proceed with your application for the remaining products, but you will not qualify for the package. We'll give you six months' notice if we vary your package benefits.

^ Deposit criteria applies.

© 2017 Citibank, Australian credit licence 238098. Citibank®, Citi® and Arc Design® are service marks of Citigroup Inc.