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Pay in Multiple Currencies with Citibank Global Wallet

Citibank
Global Wallet

Make the best of being home with fee-free online shopping.

Stay safe and save with Citibank Global Wallet.

With the feature turned on, shop on international websites using your Citibank Debit Mastercard® and pay zero foreign transaction or currency conversion fees in over 150 currencies.

You can also lock in FX rates for the multiple currencies available in Citi Mobile® App when they are favourable – giving you an even better deal at the checkout.

Avoid currency conversion charges and transaction processing fees
Enjoy fee-free withdrawals at Citi ATMs worldwide

You can hold and transact in the following currencies:

SGD
USD
EUR
AUD
CAD
GBP
CHF
JPY
HKD
NZD
AED
ZAR
SEK
NOK
DKK

Take control of your global spending

All on your Citi Mobile® App.

Turn on Global Wallet and add foreign currency accounts which are linked to your Citibank Debit Mastercard instantly
Top up foreign currencies in your wallet when you find exchange rates favorable

Get Started

Do you hold a current/savings account with Citibank Singapore?

Simply activate this feature on your Citi Mobile® App to start transacting and enjoy the benefits.

Log into your Citi Mobile® App
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Frequently Asked Questions

  • What is Citibank Global Wallet?

    Citibank Global Wallet is a new feature linked to your Citibank Debit Mastercard which allows you to make purchases overseas at point-of-sale or online, and withdraw cash from Citi proprietary ATMs without incurring additional foreign currency conversion fees and admin fees. You can access multiple currencies with this new feature.

    For example, with Citibank Global Wallet turned on, if you are travelling to Hong Kong and have a HKD Foreign Currency Account with us, any HKD transactions or cash withdrawals will be debited directly from your HKD Foreign Currency Account at no additional conversion fees.

  • How can I benefit from Citibank Global Wallet?
    Citibank Global Wallet is beneficial when you are:
    Travelling overseas for holidays, family visits or work
    Making online purchases from international websites
    Transferring foreign currencies for payments or investments

    You can save on additional foreign currency conversion fees and admin fees.

    For example, if you are making a 100 USD retail transaction online, it will be debited directly from your Citibank USD account. If you had previously converted the foreign currency at a rate of 1.36 SGD/USD, your transaction would be locked down at the specific rate.

    Without Citibank Global Wallet

    Transaction Amount 100 USD
    2.5% administrative fee 102.5 USD
    FX rate at 1.38 SGD/USD 141.45 SGD
    Total cost of transaction 141.45 SGD

    With Citibank Global Wallet turned on

    Trade at your preferred rate 136 SGD
    e.g. 1.36 SGD/USD 100 USD
    Transaction Amount 100 USD
    Total cost of transaction 136 SGD

    * The above table illustrates the same retail transaction using a credit card at spot rate (left) and Citibank Global Wallet on your debit card (right). Rates used and displayed above are indicative and used purely for illustration purposes. No representation is made of actual rates charged during the transaction.

  • How many foreign currencies can I transact in?

    In addition to Singapore Dollar, you can transact in multiple other foreign currency accounts: Swiss Franc, Australian Dollar, Canadian Dollar, Euro, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Sterling Pound, US Dollar, UAE Dirham, South African Rand, Swedish Krona, Norwegian Krone and Danish Krone.

    If you are an existing bank account holder, you can turn on Citibank Global Wallet by using Citi Mobile® App. Once it is turned on, your Citibank Global Wallet will be automatically linked to all your SGD and foreign currency accounts. You will also need to activate the overseas usage feature on your Citibank Debit Mastercard to start enjoying the Citibank Global Wallet feature. Find out how to activate your card here.

    Don't have a Citibank account? Click here to apply.

  • How may I open additional Global Foreign Currency Accounts through Citi Mobile App?

    You may open additional Global Foreign Currency Account(s) by tapping on Citibank Global Wallet under Deposits section, and adding new currencies available.
    The account(s) will be opened instantly and tagged under the same relationship as the primary account that is linked to your debit card. There is no minimum deposit required to open a new Global Foreign Currency Account.

    Please note that only customers holding an Individual Account or a Joint Account operated with a single signing authority are eligible to open additional accounts online. Customers holding Joint Accounts with single signing authority but in the name of three or more persons, or Joint Accounts with joint signing authority cannot open additional accounts online. Please visit the branch for assistance with account opening.

  • What are the eligible Citibank accounts linked to Citibank Global Wallet? Can I link multiple accounts to my wallet?

    You can open any of the following Citibank Singapore local and foreign currency accounts to turn on Citibank Global Wallet:

    If you don't have any of these accounts, apply here.

  • Will foreign currency transactions be debited directly from my foreign currency accounts automatically?

    Yes, once you have turned on Citibank Global Wallet, your point-of-sale/online transactions and overseas ATM cash withdrawals will be automatically debited from your foreign currency account as long as there is sufficient balance.

  • Is there any minimum deposit required to turn on Citibank Global Wallet?

    No, Citibank Global Wallet does not require any minimum deposit for your accounts to be linked to your Citibank Debit Mastercard. Simply turn it on using Citi Mobile® App to get started.

  • Do I need to maintain a minimum balance in each of my bank accounts?

    No, there is no minimum amount required to keep your accounts open or for Citibank Global Wallet to be turned on. However, the minimum Total Relationship Balance to be maintained across all your accounts opened is S$15,000.

  • Are there any charges or transaction fees when using Citibank Global Wallet?

    There are no third party or international transaction fees when utilizing your Citibank Global Wallet feature at point-of-sale or online shopping. There will also not be any foreign exchange conversion fees and withdrawal fees at any Citi proprietary ATMs worldwide or when you transfer funds to another Citibank account.

    Please note that even after you have linked your Citibank Debit Mastercard to your Citibank Global Wallet, you may still be given an option for currency conversion during ATM cash withdrawals or POS transactions due to the Dynamic Currency Conversion (DCC)1 process imposed by other banks on overseas transactions. You should reject currency conversion options to avoid incurring additional fees/charges.

    DCC is a service that may be offered by a Merchant or Acquirer that enables a Cardholder – when travelling abroad or making a transaction that is not in their home currency (i.e SGD) – to choose whether their transaction should be completed in either the local currency or their home currency (i.e SGD). If home currency is selected, you will incur a Dynamic Currency Conversion (DCC) fee charged by the Acquirer with the foreign currency cash withdrawal debited from your Primary account. You can identify DCC transactions with "(DCC)" beside the transaction in your statement as below:

    MaxiSave 09107XXXXX SGD

    Transactions Done

    Txn Date Jun 11 2018
    Value Date Jun 11 2018
    Description OVERSEAS ATM WITHDRAWAL
    559842517XXXXXXX     11023
    SEVEN BANK    TOKYO   JP
    JUN 10,18  10XXXX  JPY  100000.00
    ICCEX180610XXXXXXX(DCC)
    Reference ICCEX180610XXXXXXX
    Withdrawals 1,227.18
    Deposits

    Cash withdrawals at non-Citi proprietary ATMs overseas will incur a service charge of S$7 per cash withdrawal charged in the equivalent foreign currency. The amount withdrawn may also be subjected to administrative fees by the acquiring bank or associations at their sole discretion.

  • Why am I still charged a fee when I transfer foreign currencies to an account overseas?

    Payments and transfer to any Citibank account overseas via our Citibank Global Transfer (CGT) is fee-free. However, transfer to non-Citibank accounts overseas will incur a $30 cable fee per transaction, excluding any commission and handling charges by the Correspondent bank.

  • How can I check on the transactions made in any foreign currency account?

    You can easily keep track of all your transactions performed by accessing Citibank Online or Citi Mobile® App.

  • How can I disable Citibank Global Wallet?

    You can manage your Citibank Global Wallet anytime via Citi Mobile® App > Profile & Setting > Citibank Global Wallet > Turn off CGW. Alternatively, you may contact our CitiPhone Banking at +65 6225 5225 between 8am to 8pm.

  • How do I transfer money or top up my foreign currency accounts?

    You can transfer money using Citibank Online or Citi Mobile® App. Either transfer your existing foreign currencies into your respective foreign currency account or convert SGD to your choice of foreign currency at our competitive foreign exchange rates. Your transfer will be immediate and reflected in your foreign currency account instantly.

  • What is the minimum and maximum conversion amount when I top-up my foreign currency account?

    There is no minimum top-up amount and the maximum amount that can be converted per foreign currency transaction is SGD$500,000

  • Where can I see the exchange rate when funding my account?

    After selecting the account that you wish to top up in Citi Mobile® App, you will be able to view Citi's competitive foreign exchange rates before confirming a transaction.

  • Is there a transaction fee when I top-up my account?

    No, there is no transaction fee incurred for any currency exchange when you fund your foreign currency account.

  • How will my FX conversions be reflected in statements?

    FX conversions will appear in your respective currency account's monthly statement. You can identify the outgoing and internal FX conversion in your statement as below:

    MaxiSave 09107XXXXX SGD

    Transactions Done

    Txn Date Mar 01 2018
    Value Date Mar 01 2018
    Description FT OUTGOING INTERNAL
    MARY TAN
    Reference BKOFT180301XXXXXXX
    Withdrawals 35,000.00
    Deposits

    Global Foreign Currency Account 03028XXXXX GBP

    Transactions Done

    Txn Date Mar 01 2018
    Value Date Mar 01 2018
    Description INTERNAL TRANSFER CR
    MARY TAN
    Reference BKOFT180301XXXXXXX
    Withdrawals
    Deposits 18,929.15

  • Do I need to manually select the foreign currency for my overseas/online transaction when I make a purchase or an ATM cash withdrawal?

    No, you will not need to manually select the foreign currency for your transaction. Once you turn on Citibank Global Wallet, your transaction is automatically debited from your foreign currency account as long as there is sufficient balance.

    You may be given a choice to select your preferred currency when making payment on most online shopping sites. If prompted, select payment in the foreign currency to ensure the transaction is debited from your Citibank Global Wallet.

    If the website has converted your transaction to their local currency (not within the 10 currencies in Citibank Global Wallet, or a foreign currency account that you do not hold) during check out, you will be charged in their local currency accordingly. The transaction will be directed to the Primary account linked with your Citibank Debit Mastercard and will be effected at the prevailing exchange rate, without incurring additional foreign currency conversion fees and administrative fees. The final currency that you will be charged in is usually shown during checkout.

  • Is there a Transaction Limit for using Citibank Global Wallet feature?

    Your daily transaction limit is set at S$2,000 or equivalent in foreign currency at the prevailing exchange rate on the day the spending in foreign currency is made. To increase your current transaction limit, call CitiPhone at 6225 5225.

  • What happens if I have turned on Citibank Global Wallet and there is insufficient balance in my foreign currency account when making a transaction?

    If there is insufficient balance in your foreign currency account, the transaction will be directed to the Primary account linked with your Citibank Debit Mastercard and will be effected at the prevailing exchange rate, without incurring additional foreign currency conversion fees and administrative fees. The transaction will be declined if you have insufficient funds in your Primary account. Partial withdrawal or purchase is not available.

    To continue using Citibank Global Wallet, simply top up your foreign currency account on Citi Mobile® App for instant funding.

  • What account should I select on an overseas ATM screen for foreign currency cash withdrawals?

    Overseas ATMs should deduct from your foreign currency accounts linked to your Citibank Global Wallet by default. However, certain overseas banks may give you the option of debiting the foreign currency cash withdrawal in your home currency (i.e. SGD) or in the local currency. If prompted, select local currency and from your "Checking/Current Account" to ensure your foreign currency cash withdrawal is debited from your Citibank Global Wallet.

    Your foreign currency account needs to be sufficiently funded for a successful overseas foreign currency cash withdrawal.

  • I have already turned on Citibank Global Wallet, why did I still incur foreign currency fees and additional charges?

    After you have linked your Citibank Debit Mastercard to your Citibank Global Wallet, you may still be given an option for currency conversion during ATM cash withdrawals or POS transactions due to the Dynamic Currency Conversion (DCC)1 process imposed by other banks on overseas transactions. You should reject currency conversion options to avoid incurring additional fees/charges.

    DCC is a service that may be offered by a Merchant or Acquirer that enables a Cardholder – when travelling abroad or making a transaction that is not in their home currency (i.e SGD) – to choose whether their transaction should be completed in either the local currency or their home currency (i.e SGD). If home currency is selected, you will incur a Dynamic Currency Conversion (DCC) fee charged by the Acquirer with the foreign currency cash withdrawal debited from your Primary account. You can identify DCC transactions with "(DCC)" beside the transaction in your statement as below:

    MaxiSave 09107XXXXX SGD

    Transactions Done

    Txn Date Jun 11 2018
    Value Date Jun 11 2018
    Description OVERSEAS ATM WITHDRAWAL
    559842517XXXXXXX     11023
    SEVEN BANK    TOKYO   JP
    JUN 10,18  10XXXX  JPY  100000.00
    ICCEX180610XXXXXXX(DCC)
    Reference ICCEX180610XXXXXXX
    Withdrawals 1,227.18
    Deposits
  • How do I avoid FX fees and additional charges?

    Withdrawals at Citibank proprietary ATMs worldwide are fee-free. However, cash withdrawals at non-Citibank proprietary ATMs overseas may incur a service charge per cash withdrawal and will be charged in the equivalent foreign currency. The amount withdrawn may also be subject to administrative fees by the acquiring bank or associations at their sole discretion.

    Certain overseas banks may give you the option of debiting the foreign currency cash withdrawal in your home currency (i.e. SGD) or in the local currency (i.e. the currency of the country you are visiting). If prompted, select local currency (i.e. the currency of the country you are visiting) and select from your "Checking/Current Account" to ensure your foreign currency cash withdrawal is debited from your Citibank Global Wallet.

  • Do I need to activate my Citibank Debit Mastercard for overseas transactions?

    Yes, you will need to activate the overseas usage feature on your Citibank Debit Mastercard before traveling to enjoy Citibank Global Wallet. Find out how to activate your card here.

  • How will my foreign currency transactions be reflected on my statement?

    Foreign currency and ATM transactions will appear in your respective currency account's monthly statement. You can identify the foreign currency transactions in your statement as below:

    Global Foreign Currency Account 03028XXXXX GBP

    Transactions Done

    Txn Date Mar 06 2018
    Value Date Mar 06 2018
    Description OVERSEAS ATM WITHDRAWAL
    559862156XXXXXXX     11023
    ORACLE   SHOPPING   CENTER   UK      GB
    MAR 06,18  22XXXX  GBP  250.00
    ICCEX180306XXXXXXX
    Reference ICCEX180306XXXXXXX
    Withdrawals 250.00
    Deposits
    Txn Date Mar 10 2018
    Value Date Mar 10 2018
    Description MASTERCARD FOREIGN RETALL
    LONDON & SOUTH EAS    BROMLEY    GB
    180309 GBP    10.00 93XXXX 04112
    559862156XXXXXXX
    5550443806707422XXXXXXX
    80  0  001  0000000000
    Reference ICCEX180306XXXXXXX
    Withdrawals 10.00
    Deposits
Terms and Conditions Your use of the Citibank Debit Mastercard is governed by the Citibank Debit Mastercard Terms and Conditions as set out in the Citibank Singapore Global Consumer Banking Terms and Conditions. For Citibank Debit Mastercard Terms and Conditions, please visit www.citibank.com.sg. Your Citibank Debit Card comes with a daily point of sales limit that is set at S$2,000. This limit is shared between signature-based, contactless payments (e.g. Mastercard Contactless and payments made using digital wallets) and card not present transactions (including mail and phone orders). You may choose to increase/decrease this limit upon activation of your Citibank Debit Card. Notwithstanding the limit that you set, the limit on your Citibank Debit Card will remain subject to your available bank balance. Where we allow your Citibank Debit Card to be tagged to any Foreign Currency Accounts and used for any and/or all foreign currency funds in the Foreign Currency Accounts, all foreign currency transactions and Cash Withdrawals will be directly authorized from the respective Foreign Currency Account in the foreign currency directly provided that there are sufficient funds in the relevant foreign currency. In the event that you have performed a Cash Withdrawal and/or Card Transaction in a different currency from the Foreign Currency Account tagged to your Citibank Debit Mastercard or have insufficient funds in your Foreign Currency Account, the transaction will be subject to an administrative fee of up to 2.5% on the converted amount, or such other rate as determined and notified to you. Only customers holding an Individual Account or a Joint Account operated with a single signing authority are eligible to open additional accounts online. Customers holding Joint Accounts with single signing authority but in the name of three or more persons, or Joint Accounts with joint signing authority cannot open additional accounts online. Please visit the branch for assistance with account opening. Where your Citibank Debit Card has Mastercard Card Transaction functionality enabled, you acknowledge and accept that the Citibank Debit Card carries risk of unauthorized signature-based, contactless payments (e.g. Mastercard Contactless and other payments made using digital wallets) or card not present transactions. If you choose to make a Card Transaction payment via the Mastercard Network, you will be bound by the relevant rules governing such transactions including but not limited to rules governing chargeback and dispute resolution. With effect from 15 November 2014, the EPINS direct debit payment service will be discontinued and you will no longer be able to make EPINS point-of-sale debit payment transactions on your Citibank Debit Card. Please note that the EPINS service is offered by Card Alliance Pte Ltd. Please note that your privileges, rewards and/or services will differ depending on your choice of debit network. Double Swiping is a term used to describe the act of a second swipe of a payment card at a Point-of-Sale terminal after the first swipe to obtain initial authorization from the bank. The second swipe effectively exposes your Citibank Debit Card's magnetic stripe full track data to compromise. You acknowledge and accept that double swiping the magnetic stripe of your Citibank Debit Card on Point-of-Sale readers or Electronic Cash Registers increases the risk of skimming and/or cloning and hence the theft of your sensitive payment card data. EZ-Pay is a service offered by EZ-Link Pte Ltd (Reg no. 200200086M) ("EZ-Link"). The information provided above must be read with, and is subject to, EZ-Link's terms of use. For the EZ-Pay terms of use, please visit https://ezpayreg.ezlink.com.sg Any customers using Citibank eFX acknowledge and accept that all transactions they make are made solely upon their judgment and at their discretion and own risk. Nothing in Citibank's brochures, investment reports and/or any of Citibank's material supplied to the customer, nor any customer investment profiling conducted for the customer, shall be construed as Citibank's investment advice as regards the relative attractiveness of one investment option over another. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. Foreign currency trading is subject to rate fluctuations, which may provide both opportunities and risks. Customers who have any questions about their legal or tax positions as a result of opening an account with Citibank or effecting any transaction on an account with Citibank should engage an independent legal or tax adviser as they consider appropriate. Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers may assist customers with information on any exchange controls that are relevant to the currencies in which they invest. Placing contingent orders, such as "stop loss" or "stop limit" orders, will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders. Citibank's full disclaimers, terms and conditions apply to individual products and banking services. This communication does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation. Deposit Insurance Scheme Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg.
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