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Pay in Multiple Currencies with Citibank Global Wallet

Citibank
Global Wallet

The world in one wallet.

Save when you're shopping or traveling

Spend like a local overseas and shop online globally with your Citibank Debit Mastercard®.

Your Citibank Debit Mastercard is smart enough to switch to the currency you are transacting in.

From now to 31 December 2019, activate Citibank Global Wallet and get up to 10% cash back on your foreign currency spend4.

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

You can hold and transact in the following currencies:

SGD
USD
EUR
AUD
CAD
GBP
CHF
JPY
HKD
NZD

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?

Let us call you to open a Citibank account within 1 business day.

By clicking "Submit", you consent to Citibank Singapore Limited contacting you.
Once your Citibank account is open, turn on Global Wallet on your Citi Mobile® App.

Receive up to S$1,6001 cash
Receive up to S$7,460 cash
or 284,200 Miles
(worth 2 Business Class Return Tickets to Sydney)2
Receive up to S$19,500 cash
or 1,100,000 miles
(worth 4 First Class Return Tickets to London)3

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 up to 10 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 9 other foreign currency accounts: Swiss Franc, Australian Dollar, Canadian Dollar, Euro, Hong Kong Dollar, Japanese Yen, New Zealand Dollar, Sterling Pound, and US Dollar.

    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.

  • 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.

Terms and Conditions 1 With S$100,000 of New Funds, purchases S$100,000 eligible investment or insurance products within 6 months of account opening, credits monthly salary/ pays telco bill/ pays income tax, maintains Citi Priority relationship and AUM for 6 months and is an existing/ new primary Citi Credit Card holder. Balances in MaxiGain Savings Account do not count towards calculation of Welcome Rewards.
Terms and conditions apply.
2 With S$500,000 of New Funds, and purchases of S$250,000 eligible investment / insurance products within 6 months of account opening, maintains S$150,000 in Maxigain, does monthly salary crediting or pays telco bill or personal income tax monthly for 6 months, maintains Citigold relationship and AUM for 6 months and is an existing/ new primary Citi Credit Card holder.
Terms and conditions apply.
3 With S$1,500,000 of New Funds, and purchases of S$1,000,000 eligible investment / insurance products within 6 months of account opening, deposits S$150,000 in Citi MaxiGain, credits monthly salary/ pays telco bill/ pays income tax, maintains the Citigold Private Client relationship and AUM for 6 months.
Terms and conditions apply.
4 Promotion is valid from 1 November 2019 to 31 December 2019. Please click here for full 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 relationship with Citibank are eligible to open additional accounts online. Accounts in the name of two or more persons ("Joint Accounts") cannot be opened online. Please visit the branch for assistance with opening Joint Accounts. 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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