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Our verdict

This Citi account charges no account keeping fees, no overseas ATM fees and no foreign transaction fees.

IMPORTANT INFORMATION: Following the sale of Citi Australia to NAB, Citi bank accounts are no longer available to open for new customers. However, if you're an existing customer you can continue to use your account, so we've kept this information here for that purpose.

This transaction account is ideal for both day to day use here at home as well as when you’re travelling. It has no monthly account keeping fees and Citi charges no overseas ATM fees or international transaction fees either. Usually banks charge an international transaction fee of about 3% of the transaction value when a currency conversion is required, so not being charged this fee is a really big benefit of this account.

Keep in mind that the local ATM operator may still charge its own fee when you use an ATM overseas.

Pros

No monthly account or transaction fees
Fee-free ATMs withdrawals available
Fee-free instant money transfers globally

Cons

Not available for business
Lack of branches in Australia

This is a convenient everyday transaction account if you like to travel or often send money overseas. Citi charges no fees to withdraw cash from overseas ATMs, and no foreign transaction fees when using your debit card in-store while you're travelling.

Details

Key details

Product Name	Citibank Plus Everyday Account
Monthly account fee	$0
Card access	Mastercard
Own network ATM fee	$0
International transaction fee	0%
Monthly deposit required to waive account fee	N/A
Contactless Payments	Apple Pay, Samsung Pay

Eligibility

Minimum Age	18
Joint account availability	No
Minimum opening deposit	N/A

Key features

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$0 Monthly account keeping fees

This account has no monthly account keeping fees, ever.

Free linked Debit Mastercard

The account comes with a linked Debit Mastercard that allows you to make purchases wherever Mastercard is accepted all around the world and online. The debit card has PayPass, so you can simply tap your card on the payment terminal without entering your PIN for purchases under $100.

Fee-free domestic ATM withdrawals

You can withdraw money from Citi, Westpac Group, CommBank, NAB or ANZ branded ATMs in Australia with no withdrawal fees.

Fee-free international ATM withdrawal

There's no withdrawal fees for transactions made at Citi ATMs overseas, but keep in mind that some third-party banks or ATM operators may charge their own fee. Check out this list of all the Citi ATMs in the world if you're looking for an overseas ATM.

No international transaction fees

Citi doesn't charge any international transaction fees when purchasing something overseas or shopping online from a non-Australian retailer website. This fee is usually charged when you conduct a transaction in a currency other than AUD, and could be as high as 3.5% of the transaction value.

Send money globally for free

You can make fee-free, instant money transfers to Citi accounts in more than 20 countries. You can also receive money from overseas without any transaction fees. If you're sending money from your Citibank Plus everyday account to a non-Citi account in another country, Citi doesn't charge you a fee but the recipient bank may charge fees for the transfer.

24/7 access to account

You can access your account online via Internet banking, using phone banking or via Citi's mobile banking app.

Linked with a Citi savings account

This is a non interest earning account, but you do have the option of linking up to three separate savings accounts from Citi. This allows you to easily transfer money into your savings.

Personal use only

This account is intended only for personal use, not to be used by a business.

How to apply

IMPORTANT INFORMATION: Following the sale of Citi Australia to NAB, Citi bank accounts are no longer available to open for new customers.

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Alison Finder

Editor

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Dianne

January 18, 2024

I am an existing customer but was advised I needed to change over to NAB & transfer my money to them. So I can actually still use my Citibank card?

Sarah Megginson Finder

January 19, 2024

Hi Dianne, We can’t provide personal financial advice, your best bet would be to contact Citi directly about your personal account: you can reach them on 13 24 84. However keep in mind Citi is now owned by NAB, but the brand is still operating as usual in Australia so there should be no need to change your accounts.

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Hithere

September 05, 2023

The article “Debit cards with no foreign transaction fees” is helpful. However, it needs a piece of critical information. Take, for example, this Citibank Plus account. The MasterCard set the foreign currency exchange rate in the past, offering a favourable, near official FX rate. For instance, at this moment, USD is $0.642.

I recently noticed that Citibank/NAB uses its own less favourable exchange rates. For example, the ‘Citibank Sells USD Rate’ is $0.6307 – meaning a 1.76% margin the bank pockets. The Citibank/NAB may advertise a ‘fee-free overseas ATM’ as a feature, but your website should state how the foreign currency is calculated for complete transparency.

My question Alison, is will you add the ‘FX rates used’ to the above mentioned article?

Thanks in advance.

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Alison Banney Finder

September 21, 2023

Hi, thanks for getting in touch with this. We are always working to add more data points to our comparison tables, so this is certainly something we will look to add in the future as it’s very helpful when comparing.

Thanks,

Alison

Alvin

August 17, 2023

Hi, i am an exisiting citibank customer, I would like to know if i should close my account since CitiBank is moving over to NAB and I assume we wont get the same benefits anymore.

What do you recommend?

I would like a debit card with no monthly fee and international transacation and should be able to access in a lot of countries

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Alison Banney Finder

August 23, 2023

Hi Alvin, please note that Finder is a comparison site and we aren’t licensed to offer any personal advice or product recommendations. If you’re an existing Citi customer, your account will remain opened and you can continue to use it as normal.

Anne

July 16, 2023

Hi

I have a Citibank debit card. I reside in Australia but will be travelling to Italy and France in the near future. Can I use my Citi debit card to withdraw cash from ANY ATM in Italy and in France ? Will these foreign ATMs charge me fees ?

I understand Citi will not charge me a fee for ATM withdrawals in these countries I’ll be visiting ?

Thanks

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Alison Banney Finder

July 21, 2023

Hi, There are no withdrawal fees for transactions made at Citi ATMs overseas, but keep in mind that some third-party banks or ATM operators may charge their own fee. This will be displayed on the ATM before you proceed with the withdrawal.

Lisa

April 29, 2023

do Citibank do cardless cash

Raj Lal Finder

May 01, 2023

Hi Lisa,

Thanks for contacting Finder.

Citibank do not offer cardless cash.

Thanks

Raj

Citibank Plus everyday transaction account

Our verdict

Pros

Cons

Details

Key details

Eligibility