Learn about the Citibank Plus Everyday Account in this review to help you decide whether this is the card for you.

TickVisa Debit Card
TickAs of 1st March 2017 it will be a Mastercard Debit Card
TickIt has no monthly fee or minimum opening balance.
TickWithdraw money free at over 3000 ATMs Australia-wide
TickTransfer funds to friends and family anywhere in the world for free
TickYou withdraw money from any ATM overseas and are not charged a Citibank fee or FX transfer fee.

Citibank Account

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Pros & Cons

 

Pros Cons
Check Mark  No international ATM or transaction fees Cross  Cash deposits available within 24-48 hours
Check Mark Fee-free international money transfers to any account worldwide Cross Can’t have two cards active at the same time
Check Mark SMS notifications through Citi Alert Cross $5 account closure

 

 

Benefits of the Citibank Plus Everyday Account

 

 Manage your money

  • Access your Citibank Plus account online (desktop, tablet and mobile), through 24/7 phone banking, or at any Citibank branch or Australia Post.

 

 Security

  • Chip and PIN protected
  • Regular SMS alerts to help you keep track of your money

 

Visa Icon Convenience

  • Receive a free bottle of wine from award-winning wineries every time you dine at any Citibank Dining Program partner restaurant and pay with your Citibank Debit Card
  • Transfers to other Citibank accounts overseas are free and instant in 25 countries
  • You can link up to 3 more savings accounts

 

Savings Savings

  • Pay no account fees
  • Get free Citibank Debit card to use with contactless, online, in-store or overseas
  • Use any Citibank, Westpac, St. George, Bank of Melbourne or BankSA ATM in Australia, free of charge.
  • Pay $0 Citibank fees for any overseas ATM or in-store transactions
  • Fee-free international money transfers to any bank, anywhere
  • Open up to 3 Citibank plus savings account when you hold a Citibank everyday account and earn interest

 

Minimum and Maximum balances for the Citibank Everyday Account

 

Minimum  balance Maximum Load

$0

Unlimited

 

Transaction Limits for Citibank Everyday Account

 

  • Daily transfers and withdrawal limit are set at $10,000 (online transfer) and $1,000 (ATM/EFTPOS transactions) upon opening of the account. 
  • Please note that you may request to increase your transfer and withdrawal limits, however, it will be subject for review and approval.

Additional: Marked as inactive after 6-months no use

 

Fees

All prices are in AUD

Monthly Service Withdrawal Fees Interest 
Free Unlimited free withdrawals in Australia Nil
Dishonour of cheques or direct debit Request status, trace request or funds transfer Account Casual Overdraft
$9

$20

$10
Foreign Transaction Fee* Outward Funds Transfer Account Closure
2.5% $10 (to a bank in Australia)
$25 (to a bank overseas)
$5

 

*Fee of 2.5% on the AUD dollar conversion of any transaction made in foreign currency. This amount includes a service and assessment fee payable by Citibank to the scheme (where applicable). 

 

Currencies
AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BYR, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GGP, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, IMP, INR, IQD, IRR, ISK, JEP, JMD, JOD, JPY, KES, KGS, KHR, KMF, KPW, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MRO, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RUB, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SPL, SRD, STD, SVC, SYP, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TVD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XDR, XOF, XPF, YER, ZAR, ZMW, ZWD

 

Case Study

Liam has just graduated and plans to travel the world for the next year before he starts working. He was looking at the pre-paid travel cards, but was concerned that he might visit a country where that currency wasn’t supported on the card. 

His dad suggested the Citibank Everyday Account, where unlike some prepaid travel cards, he wouldn’t get charged for any ATM fees abroad by Citibank. As well as this, there were over a hundred currencies he could withdraw, giving him the flexibility he needed on his travels.

Liam opened up an account quickly and easily with no monthly fee or minimum balance. Liam leaves for New York in a week – excitement takes over everything but he still feels relieved and happy with his choice for bank with Citibank.

 

 

How To Apply for the Citibank Plus Everyday Account

 

 

Citibank Logo

Citibank Everyday Account

Check Mark Open your Everyday Account online or visit your nearest Citibank branch

Visit Citibank        Learn More


 

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Buying travel money or transferring money overseas can be expensive and confusing. So how do you make the best choice and get the most out of your money?

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We’ve also put together tons of helpful videosguides and reviews that will help you make the right decision. You can work out a cheaper way of converting currency while still keeping your money safe.