Citibank Plus Transaction Account

What are the features of the Citibank Plus Everyday Account?

  • No foreign transaction fees or ATM withdrawal fees. The Citibank Plus Everyday Account has no fees for foreign transactions or ATM withdrawals. This can save you money when travelling, as most debit cards and credit cards will charge a percentage fee for each transaction overseas, in addition to a typical flat rate fee of between $3-$5 per withdrawal.
  • Linked Visa debit card. Account holders receive a Visa debit card, allowing you to shop online and in-store both in Australia and overseas.
  • Convenience and large ATM network. Using your Visa debit card you can access your money at over 3,000 ATMs across Australia with Citibank, Westpac, St George, Bank of Melbourne and BankSA ATMs with no ATM charges.
  • Account tracking. Citibank helps you keep track of your spending and account activity with regular SMS notifications through Citi Alerts.
  • Free wine when you dine at eligible restaurants. With the Citibank Dining Program, included with this account, you’ll receive a free bottle of wine every time you dine and pay with your Visa debit card at any participating restaurant.
  • Free international money transfers with Citibank Global Transfers. A key aspect of this account is international money transfers with no transfer fee. See more details on this feature below.
How does Citibank Plus stack up against 28 Degrees?
Citibank Plus
  • Account type: Transaction account
  • Card type: Visa
  • Fees for international money transfer: $0
  • Fees for international ATM withdrawal: $0
  • Monthly/annual fees: $0
  • Covered for fraud? Yes, by Citibank Fraudshield (if conditions of use are followed)
  • Offers credit? No
  • Exchange rate offered? Visa exchange rate at time of purchase
28 Degrees
  • Account type: Credit card
  • Card type: MasterCard
  • Fees for international money transfer: $0
  • Fees for international ATM withdrawal: 3% of the cash advance or $4 (whichever is higher), pus cash advance interest rate if applicable. If funds are preloaded onto the card interest will not be charged, but fees still apply.
  • Monthly/annual fees: $0
  • Covered for fraud? Yes
  • Offers credit? Yes
  • Exchange rate offered? The MasterCard rate at the time of purchase

How does the free international money transfers feature work?

Citibank offers a wide range of international money transfers with this account, but it’s important to understand how they work to avoid fees and charges. When you transfer funds in any currency from your Citibank Plus account to any other account in the world, you will not be charged a transfer fee.

When you send money between Citibank accounts in participating countries your money will arrive instantly. When you transfer your money online to any other bank account your payment will be processed in three to five business days.

Terms and conditions explained in simple English

Citibank Global Transfers are available when you transfer money from Citibank Australia to an eligible Citibank account in the selected countries listed below. A daily transfer limit applies and funds are converted to the destination amount specified by before the transfer. The exchange rate applies includes a commission for the conversion service. Depending on local regulations, transfers will typically reach the destination account immediately, but can take up to 24 business hours.

Citibank Global transfers are available to the following countries:

  • Bahrain
  • China
  • Colombia
  • Czech Republic
  • Guam
  • Hong Kong
  • Hungary
  • India
  • Indonesia
  • Japan
  • Jersey
  • Korea
  • Malaysia
  • Mexico
  • Philippines
  • Poland
  • Singapore
  • Taiwan
  • Thailand
  • United States
  • United Kingdom
  • United Arab Emirates
  • Vietnam

How does this account help when you’re travelling?

If you use Citibank or any partner-branded ATMs overseas you won’t be charged ATM fees. With the Visa-branded debit card you can also shop using your own money when you’re travelling, and the account offers unlimited fee-free transactions.


What fees and charges are payable with this account?

The Citibank Plus Everyday Account charges no monthly fees and no fees for international transactions or ATM withdrawals at supported banks. If you withdraw from an ATM in Australia which isn’t a Citibank or Westpac Group ATM (which includes Westpac, St.George, BankSA and Bank of Melbourne ATMs) you’ll be charged ATM owner fees, which will depend on the ATM you use.


How do you apply for the Citibank Plus Everyday Account?

You can apply for the Citibank Plus Everyday Account by following the “Go to Site” link on this page. Once you agree to Citibank’s terms and conditions you can confirm the type of account you want to open. You’ll need to provide the following basic details:

  • Proof that you’re over the age of 18
  • Two forms of ID – Australian Driver’s Licence, Medicare Card or Passport.
  • Residential and contact details, including your current email address

Once you’ve provided this information and been approved for the account, you should receive details of your account and your Visa debit card soon after.

My account has been set up – how do I send money overseas?

Go to Payments and Transfers > Add a Payee > Follow the prompts on the page.

Citibank Plus online banking transfer menu

Was this content helpful to you? No  Yes

Ask a Question

You must be logged in to post a comment.

284 Responses to Citibank Plus Transaction Account

  1. Default Gravatar
    Anonymous | September 8, 2016

    Is this account the same as other travel cards in that you need to load foreign currency onto it to be able to use it overseas? Or does the account hold AUD and the conversion occurs at the time of purchase and therefore no fixed exchange rate?

    • Default Gravatar
      | September 8, 2016

      Hi GEckh,

      Thank you for your question.

      You can only load AU dollars on to the Citibank Plus Everyday Account and it converts funds automatically to the local currency when used overseas. So it is not necessary to load overseas currency on to the account as it will automatically be converted once used abroad.

      The exchange rate will depend on the Visa exchange rate at the time of purchase.

      Cheers,
      May

  2. Default Gravatar
    Abb | August 31, 2016

    Hi, what are the charges to use ATM’s in Spain & Portugal? Are there many ATM’s in the major cities?

    • Staff
      Clarizza | September 1, 2016

      Hi Abb,

      Thanks for your comment.

      Forums suggest that there are no fees for withdrawing cash from an ATM in Europe. Charges for withdrawing cash from an ATM overseas will depend on the owner of the ATM and the bank issuing your card. If you have a Citibank Plus debit card, there are no charges for withdrawing from a Citibank branded ATM overseas. In Portugal, there are plenty of ATMs, however there are less than a handful of Citibank ATMs in Portugal. There are also some Citibank ATMs in Spain so you won’t be charged by Citibank if you withdraw from these ATMs. If you withdraw from a third party ATM however, forums suggest the ATM withdrawal fees in Spain could be about 2 euro.

      Hope this helps.

      Clarizza

  3. Default Gravatar
    MaddyB | August 30, 2016

    Are Citibank ATMs or Citibank alliance ATMs available in South America?

    • Staff
      Clarizza | August 31, 2016

      Hi MaddyB,

      Thanks for your comment.

      Which South American country will you be travelling to? There is Citibank presence in South America but it would really depend on the country you’re in.

      Regards,
      Clarizza

      • Default Gravatar
        MaddyB | August 31, 2016

        Hi
        The countries I am visiting including Peru, Argentina and Brazil.
        Thank you.

        • Staff
          Clarizza | September 1, 2016

          Hi MaddyB,

          To avoid the fees for withdrawing from ATMs, you will need to find Citibank-branded ATMs in those countries – Citibank has presence across Argentina, Brazil and Peru.

          Regards,
          Clarizza

  4. Default Gravatar
    MaddyB | August 30, 2016

    Does the ATM have to be Citibank or part of an alliance with Citibank for you to avoid the ATM withdrawal fees all together when withdrawing cash overseas? (Specifically South America)

    • Staff
      Clarizza | August 31, 2016

      Hi MaddyB,

      Thanks for your question.

      To avoid with ATM withdrawal fees when taking cash out overseas, the ATM needs to be Citibank branded.

      Clarizza

  5. Default Gravatar
    QldGuy | August 26, 2016

    Which ATMs can be used in Zürich Switzerland?

    • Default Gravatar
      | August 29, 2016

      Hi QldGuy,

      Thanks for your question.

      Unfortunately, there are no Citibank ATMs in Switzerland where you can withdraw from your account for free. But you can still withdraw from a non-Citibank ATM with a Visa logo. Please note that non-Citibank ATM operators may charge you a fee for using their machine.

      Cheers,
      Anndy

  6. Default Gravatar
    Dianne | August 10, 2016

    What ATM’s can I use in America to avoid charges? I am having difficulty using the ATM locator.

    • Default Gravatar
      | August 10, 2016

      Hi Dianne,

      Thank you for your question.

      Citibank actually does not charge a fee when you withdraw money from any ATM overseas, however, the third party ATM operator may charge you which Citibank does not control.

      Cheers,
      May

  7. Default Gravatar
    Robyn | July 11, 2016

    what would the fees be from a non Citibank thanks

    Robyn

    • Staff
      Clarizza | July 12, 2016

      Hi Robyn,

      Thanks for your question.

      Forums suggest local ATMs in Thailand will charge 150 or 200 baht (charged by the local owner of the ATM)- it will increase to 250 baht in August this year. In Vietnam, fees are around 20,000 VND.

      Hope this helps.

      Clarizza

  8. Default Gravatar
    Leanne | July 10, 2016

    Are there affiliated atm’s in Istanbul that I can access fee free withdrawals with a citibank debit card. As I cant find it on the website ?

    • Staff
      Clarizza | July 11, 2016

      Hi Leanne,

      Thanks for your question.

      Unfortunately there are not Citibank ATMs in Turkey, including Istanbul. If you would like to find out any affiliated banks, please contact Citibank direct. As a reminder, we are a comparison website and provide general advice only. More information about Citibank ATMs around the world can be found on out Citibank ATM locations page.

      Hope this helps.

      Clarizza

  9. Default Gravatar
    Robyn | July 8, 2016

    do you have any fees for cash withdrawals at ATM in Vietnam and Taiwan

    • Staff
      Clarizza | July 11, 2016

      Hi Robyn,

      Thanks for your question.

      There are Citibank ATMs in both Vietnam and Taiwan – to see a list of these ATMs, take a look at our ATM locator if you haven’t already.

      As the Citibank Plus Transaction Account allows you to access Citibank’s global ATM networks, you can withdraw cash from any Citibank branded ATMs at no charge. Please note, fees may apply if you withdraw cash from a non-Citibank ATM.

      Hope this helps.

      Clarizza

  10. Default Gravatar
    L | July 5, 2016

    I am travelling to chiang mai in a few weeks and thinking of living there for a year. If I use a Westpac atm there, will i be able to escape the atm fees, or does it have to be a citibank ATM? (It stated that a citibank – associated atm also waives the atm fees?)

    As there is no display of a Citibank ATM in Chiang Mai, I’m not sure whether getting this card will benefit me.

    • Staff
      Clarizza | July 6, 2016

      Hi L,

      Thanks for your question.

      The fee-free ATM withdrawals apply to any Citibank branded ATMs. You can use our Citibank ATM locator to find the closest ATM to wherever you are travelling to. I can see there are Citibank branches in Bangkok, though that may be a little far from Chiang Mai.

      Our Travel Money Guide Thailand lets you compare travel debit cards if you would like to review suggested options.

      Please note, we are a comparison website and provide general advice only.

      Hope this helps.

      Clarizza

feedback