PAYMENTS & TRANSFERS

With PayNow, you can send and receive money using a mobile number.

With PayNow, you can send and receive money using a mobile number.
PAYNOW

Pay Now

What is PayNow?

Forget about bank account numbers! With PayNow, you can send and receive money almost instantly using the recipient's mobile number or NRIC/FIN.

To enjoy this convenience, link your mobile number or NRIC/FIN to your Citi account via Citibank Online or Citi Mobile App now.

How to receive money via PayNow:

Click to get started with these simple steps.
  • Step 1
  • Step 2
  • Step 3
  • Step 4
  • STEP 1 Login, select 'PayNow' from the Menu and select 'Link to receive' to get started.
  • STEP 2 Choose either your mobile number or NRIC/FIN to be linked to your preferred Citi account or Citi Credit Card.
  • STEP 3 Enter your account nickname, which will be displayed to sender, and confirm details.
  • STEP 4 Key in the SMS OTP and you are all set to receive funds via PayNow.
  • step 1 Login, access 'PayNow' from the 'Payments & Transfers' tab, and select
    'Link to receive'.
  • step 2 Choose either your mobile number or NRIC/FIN to be linked to your preferred Citi account or Citi Credit Card.
  • step 3 Select your preferred account, enter your account nickname, which will be
    displayed to sender, and confirm details.
  • step 4 Key in the SMS OTP and you are all set to receive funds via PayNow.

How to send money via PayNow:

Click to get started with these simple steps.
  • Step 1
  • Step 2
  • Step 3
  • Step 4
  • STEP 1 Login, select 'Transfer via PayNow' from the Menu. Enter contact name from your address book, mobile number or NRIC/FIN of recipient.
  • STEP 2 Select the account to pay from and enter the transaction amount.
  • STEP 3 Verify and confirm the transaction details.
  • STEP 4 Your PayNow transaction is now completed.
  • step 1 Login, access 'PayNow' from the 'Payments & Transfers' tab, and select 'Transfer via PayNow'.
  • step 2 Enter the mobile number or NRIC/FIN of recipient, select the account
    to pay from and enter the transaction amount.
  • step 3 Verify and confirm the transaction details.
  • step 4 Your PayNow transaction is now completed.

For FAQs on PayNow, please click here.

For PayNow T&Cs, please click here.

For PayNow Promotion T&Cs, please click here.

Fast funds Transfers
The new FAST (Fast and Secure Transfer) service lets you
  • Pay your Citi Credit Card and Citibank Ready Credit bills,
  • Transfer funds to or from your Citibank account, 24/7, anywhere in Singapore, almost instantly.

Citi Credit Card and Citibank Ready Credit accounts are eligible to receive payment via FAST from other participating banks. Access your other bank's online platform to initiate an almost instant FAST payment to your bills. Save the hassle of mailing cheques or queuing to pay.

Here's how :

Pay your Citi Credit Card and Citibank Ready Credit bills via FAST

 
STEP 1
Login to your other bank's online banking platform.
 

STEP 2
Perform a one-time payee setup with your Citi Credit Card/Citibank Ready Credit details.

  • a) Select the "Transfer Funds" option
  • b) Add your payee details
    • i. Select "Citibank NA" to pay to Citibank
    • ii. Enter your Credit Card or Ready Credit account number
      • 15 or 16-digit Credit Card number
      • 10-digit Ready Credit account number (starting with '1')
  • c) Authorise setup with your other bank's security token
 
STEP 3
Make your payment almost instantly by selecting the FAST payment mode.

Note: Steps for payee set up may differ from bank to bank. Please seek assistance from the other bank if you encounter any difficulties with adding/setting up a payee.

Funds transfer via FAST

Outbound Funds Transfers

All it takes is a few clicks to initiate a FAST funds transfer to or from any of your personal Citibank Checking and Savings accounts to pay or transfer funds to anyone.

Steps to conduct FAST transfer or pay someone

 
STEP 1
Login to Citibank Online
 
STEP 2
Select "Make a transfer"
 
STEP 3
Select the Electronic Transfer payee and opt for FAST as the mode of transfer

If you have yet to set up a payee, please follow the instructions here to do so.

Inbound Funds Transfers

Pull funds from your other bank accounts into your Citibank Savings/Checking account via Citibank Online without the hassle of login to other bank's websites to initiate a fund transfer.

Steps to pull funds to your account

 
STEP 1
Login to Citibank Online
 
STEP 2
Select "Make a transfer"
 
STEP 3
Select your Citibank Savings/Checking account as the destination account.
 
STEP 4
Select your external bank account (drawee) as the sending account*
 
STEP 4
Select FAST option.

*Set-up a drawee by filling up this application form. To make things even simpler, you can then set up this drawee to pay your Citibank Credit Card bill via SMS. Read more about SMS Pay here.

Online Transfers

1. Add Payee

Before you can perform a Payment and Transfer for the first time, you will need to add a Payee.

  • Select 'Payments and Transfers' on your top navigation.
  • Key in the One-Time PIN1 (OTP) from your Online Security Device(OSD) or via SMS.
  • Select a Payee Type and enter the relevant details.
  • Authorize your transaction and follow the on-screen instructions to proceed.
  • For adding Billing Organisation payees, you will need to authorize the payee setup with an Online Authorization Code (OAC).
  • OAC can be sent via an SMS or a mailer. Alternatively, you can retrieve your OAC by calling our 24-Hour CitiPhone Banking with your Telephone-PIN (T-PIN).

2. Fund Transfer using GIRO/ MEPS/FAST

FAST (Fast And Secure Transfers) is a mode of domestic funds transfer service that allows customers to pay anyone in Singapore, almost instantly. Start using this service by selecting the "Transfer via FAST" option when making a transfer to existing GIRO/MEPS/FAST payees on Citibank Online.

MEPS refer to a mode of transfer through the Monetary Authority of Singapore Electronic Payment System that allows you to transfer funds from your Citibank account to other banks account within Singapore on the same day, simply at a nominal charge of S$5.

You may also consider transferring your funds using GIRO which will take about 2 to 3 working days to be effected with no charges involved.

3. Perform Bill Payments

Paying bills can be hassle-free. With over 120 billing organisations available, you can now pay your utilities bills, telecommunication bills, taxes and memberships fees easily via Citibank Online. That's not all, you can also use your Citibank Credit Card to pay over 100 selected billing organisations.

4. Set up Citibank SMS Pay

Citibank SMS Pay - A secure & convenient way to pay your bills anytime, anywhere with just an SMS. Beat the queue and pay your Citibank Credit Card / Ready Credit bills using your non-Citibank account simply by sending an SMS. Find out more here.

5. Remittances / Telegraphic Transfers

Transfer your funds to Banks overseas at a low cost flat fee and no commissions, exclusively on Citibank Online & Citi Mobile. What's more, you will be able to view competitive foreign exchange rates online before confirming a transaction.

6. Performing a Citibank Global Transfer (CGT)

Citibank Global Transfers is an online funds transfer service that allows you to transfer funds from your Citibank Checking, Savings or Ready Credit account to another Citibank account abroad instantly via Citibank Online.

7. Electronic Payment of Shares

Electronic Payment of Shares (EPS) is a convenient way of paying for your share purchases and receiving payment from the sale of your shares via Citibank Online.

  • Online cheques can only be sent to a payee in Singapore. There is no service fee incurred for issuing an online cheque. Once the cheque is issued, your account will be immediately debited for the cheque amount. If you would like to cancel the cheque, you will need to inform Citibank to cancel the cheque.
  • MEPS Instructions received after 5pm will be processed and effected on the next business day.
  • Payments to billing organisations using a Citibank Credit Card as source of funds will not earn any rewards and/or rebates under any Citibank rewards or loyalty programme.
  • This is applicable only for selected billing organizations.
  • This is only applicable for participating countries with Citibank Global Transfer.

8. Payment by Online Cheques

Forget about writing a physical cheque, now you can do it virtually. Login to Citibank Online and provide us with the name of your payee and their address and we will issue and mail the cheque on your behalf.

1 PIN refers to Personal Identification Number.

Details

Payments and Transfers

Description Daily Transaction Limit Speed
Transfers within Singapore
Transfer to other's Citibank Accounts S$ 100,000 Instant
Transfer funds to other Bank's Accounts S$ 100,000 Transfer via FAST
Almost instantly, within minutes
Transfer via MEPS
Instructions received before 5pm on a business day will be effected on the same day.
(Instructions after 5pm or on a non-business day will be effected the next business day.)
Transfer via GIRO 2 to 3 business days
Payment by Cheque / Bill Payment S$ 100,000 As some payments are sent via cheque, payments will take effect within 5-7 working days.
Transfer outside Singapore
Citibank Global Transfer S$ 65,000^ Instant
^Depending on the rules and regulations of the country where the account is located, a lower limit may apply.
Telegraphic Transfer S$ 250,000 3 working days

Incoming funds transfer

To receive funds from an overseas party, please provide the following details in addition to your name and account number to the remitting party:
Name of Beneficiary Bank: Citibank Singapore Limited
Country: Singapore
SWIFT address: CITISGSGGCB

To receive funds from an overseas party in a currency other than Singapore dollars, please provide the corresponding bank SWIFT address in addition to the details above to the remitting party.

List of corresponding bank SWIFT addresses (depending on the currency):

SWIFT Address Corresponding Bank Currency
CITIUS33 NEW YORK USD
CITIGB2L LONDON EUR
CITIGB2L ZURICH CHF
CITINZ2X AUCKLAND NZD
CITIAU2X SYDNEY AUD
CITIGB2L LONDON GBP
CITICATTBCH TORONTO CAD
CITIHKHX HONG KONG HKD
CITIJPJT TOKYO JPY

List of Citibank Global Transfer (CGT) participating countries

Australia China India
Korea Philippines Taiwan
Bahrain Mexico Indonesia
Poland Thailand United Arab Emirates
Hong Kong United States Malaysia
Vietnam Columbia Hungary
United Kingdom Russia
FAQs

Click on    to expand and on    to minimise the details.

PayNow FAQs

PayNow is a new funds transfer service that allows customers of participating banks to send and receive Singapore Dollar funds almost instantly from one participating bank to another using just their mobile number or Singapore NRIC/FIN.

Yes, PayNow is secure and adopts the same high security standards established by the banking industry in Singapore for other funds transfer services such as FAST and Interbank GIRO.

PayNow transaction limits are at a minimum of S$1 and a maximum of S$1,000 in a day.

Please see the tutorial guide linked here for a quick overview.

Please see the tutorial guide linked here for a quick overview.

No, you may transfer funds with PayNow only between participating banks. You may transfer funds between a participating and non-participating bank through other channels such as FAST or Interbank GIRO.

No. PayNow can only be used for SGD fund transfers between bank accounts of participating banks in Singapore. For foreign currency or overseas transfers, please choose Telegraphic Transfers or Citi Global Fund Transfers instead.

The status of your funds transfer will be reflected on your confirmation page and you may also check your transaction history on Citibank Online or Citi Mobile® App. You should also receive Citi Alerts for fund transfers (subject to the transaction value threshold that you have set) via email or SMS.

PayNow transfers are free. There are also no charges for linking your mobile number or NRIC/FIN to your Citi account.

Inform us immediately via Citibank Online so we can attempt to help you recover the funds to the best of our ability.

  • Click on 'Messages'
  • 'Compose mail' to send us details of your transaction and request to recover your funds

Note that funds transferred to an unintended recipient may or may not be recovered. The return of such funds is at the discretion of the recipient bank and subject to the consent of the recipient. As such, please take utmost care in ensuring the accuracy of the mobile number or NRIC/FIN and the account nickname of the recipient before you confirm to proceed with each transfer.

If you have updated your mobile number with the bank, you will need to link your preferred Citi account again. Your old mobile number that was previously linked to receive funds via PayNow will be automatically unlinked in 7 working days from the time of update. You should instruct each party from whom you are expecting to receive funds through PayNow to transfer funds to your updated mobile number once it has been linked to your Citi account.

Yes, PayNow transfers are available 24/7.

Note : In rare cases, we may need to contact you if more information is required to process your transaction.

  • S$ Savings Account
  • S$ Money Market Account
  • S$ Basic Banking Account
  • S$ Checking Account
  • S$ Citi MaxiGain Savings Account
  • S$ Maxisave Account
  • S$ Maxisave Sweep Account
  • S$ InterestPlus Savings Account
  • S$ Tap & Save Account
  • S$ Step-Up Interest Account
  • S$ Savings Account
  • S$ Money Market Account
  • S$ Basic Banking Account
  • S$ Checking Account
  • S$ Citi MaxiGain Savings Account
  • S$ Maxisave Account
  • S$ Maxisave Sweep Account
  • S$ InterestPlus Savings Account
  • S$ Tap & Save Account
  • S$ Step-Up Interest Account
  • Citibank Ready Credit accounts
  • Citibank Credit Card accounts

Only the primary mobile number that is maintained with the bank can be linked to receive funds via PayNow.

Yes, a foreign mobile number can be used to receive funds via PayNow if the foreign mobile number is maintained as your primary mobile number with the bank.

No, passport numbers cannot be used to receive funds via PayNow.

If you intend to only send funds via PayNow, you do not need to link your mobile number or NRIC/FIN. However, if you would like to also receive funds via PayNow using your mobile number or NRIC/FIN, you would need to link your mobile number or NRIC/FIN to your Citi account.

If you have received money and do not know where it came from, you should contact us immediately. You should not utilise the money.

If we have been informed that someone else is trying to link the same mobile number or NRIC/FIN to an account with another bank, we will attempt to contact you within 3 business days to verify your mobile number or NRIC/FIN. If we fail to reach you within this period, we may unlink your mobile number or NRIC/FIN from your Citi account. Please see the PayNow terms and conditions here for further information.

FAST funds transfers FAQs

FAST funds transfers can be made to and from these accounts :

  • S$ Savings Account
  • S$ Money Market Account
  • S$ Basic Banking Account
  • S$ Checking Account
  • S$ Maxisave Account
  • S$ Maxisave Sweep Account
  • S$ InterestPlus Savings Account
  • S$ Tap & Save Account
  • S$ Step-Up Interest Account
  • Citibank Ready Credit accounts (incoming only)
  • Citibank Credit Card accounts (incoming only)
  • CitiBusiness accounts (incoming only)
  • Citibank Commerical Cards (incoming only)

FAST funds transfers cannot be made to and from:

  • USD International Card accounts
  • All loan and credit line accounts
  • Citibank Ready Credit accounts (outgoing)
  • Citibank Credit Card accounts (outgoing)
  • Corporate and CitiBusiness accounts (outgoing)
Participating Banks Transaction Limits
  • ANZ Bank
  • CIMB Bank
  • Citibank
  • DBS Bank
  • Deutsche Bank
  • Far Eastern Bank
  • HSBC
  • Maybank
  • OCBC Bank
  • RHB Bank
  • Standard Chartered Bank
  • Sumitomo Mitsui Banking Corporation
  • United Overseas Bank

Per Transaction Limit

  • Minimum Amount: S$1
  • Maximum Amount: S$50,000

Daily Transaction Limit

  • Maximum Amount: S$100,000

FAST funds transfers lets you transfer or pull funds almost instantly among participating banks in Singapore.

Local interbank transfers
GIRO MEPS FAST
Speed 2-3 business days Within same business day Within minutes
Daily Transaction Limit S$ 100,000
Per Transaction Limit Minimum Amount: S$1
Maximum Amount: Daily limit applies
Minimum Amount:
S$1
Maximum Amount:
S$50,000
  • Login to Citibank Online
  • Select "Payments & Transfers"
  • Manage Payee list
  • Add a payee under the GIRO/MEPS/FAST option with your payee details:
    • Bank BIC code
    • Account number
  • Activate your payee by entering the One time PIN shown on your Online Security Device*
    *OSD required for adding new payees, regardless of the transaction amount
  • "Make a payment & transfer" by selecting "Transfer via FAST" option

No, you can use the same GIRO/MEPS payee to do a FAST transfer.

Citi Mobile does not support this feature. Please login to Citibank Online to add a payee.

Yes, FAST funds transfer is available anytime, 24/7, even on Sundays and Public Holidays, at your convenience.

Note: In rare cases, we may need to contact you if more information is required to process your transaction.

Yes, you will receive Citi Alerts via email or SMS when you subscribe for the service on Citibank Online to receive Citi Alerts via email or SMS.

Inform us immediately via Citibank Online so we can attempt to help you recover the funds to the best of our ability.

  • Click on 'Messages'
  • 'Compose mail' to send us details of your transaction and request to recover your funds

Note that transferred funds are recoverable only at the discretion of the recipient bank and subject to the consent of the recipient. As such, please take utmost care in ensuring accuracy of recipient and recipient bank details inserted, before performing your transfer.

Citibank does not have this FAST feature at this point in time. You can still continue to pay your bills by selecting "Billing organisation" as your payee.*

*It may take up to 7 days to complete.

Future dated or recurring options are available on Citibank Online, but will be executed as GIRO transfers. Your account will be debited one day prior to the selected date, and funds will be sent out on the actual day.

FAST can only be used for SGD funds transfers between bank accounts of participating banks in Singapore. For overseas transfers, opt for Telegraphic or Citi Global Transfers instead.

You can utilise other modes of transfers such as MEPS to transfer funds from your Citibank account to another bank account within Singapore on the same day, at a nominal charge of S$5 via Citibank Online.

*For MEPS performed after 5PM on a business day, the funds will be transferred on the following business day.

For FAST transfers done on a Sunday, the transaction date will appear as Monday in your statement.
For FAST transfers done on a Public Holiday, the transaction date will appear as the next working day in your statement.

Other FAQs

Yes, you can debit your Citibank Credit Card to make a bill payment to selected billing organisations. Under "Payments & Transfers" select "Billing organization" as your payee.

Citibank Global Transfer (CGT)

For transfers to Citi accounts overseas up to S$ 65,000 select "Citibank Global Transfer" as your Payee Type in Citibank Online. Just ensure that the account details of the international account recipient is on your payee list and has been activated with an Online Authorisation Code (OAC).

Telegraphic Transfer

For transfers out of Singapore or in a different currency within Singapore to other bank accounts,select "Telegraphic Transfer" as your Payee Type. You can transfer up to a daily limit of S$ 250,000 for Telegraphic Transfer via Citibank Online. To request for transfers above S$ 250,000, please send us a secured message via 'My Mailbox' service using the following format:
Payee Name:
Beneficiary Bank:
Currency and Amount to be remitted:
Payee Account Number:
Routing Method:
FX contract reference #: (If Applicable)

Yes, you may select 'Manage Payments & Transactions' and setup a recurring payment from your Citibank Savings/Checking account to pay your Citibank Credit Card bills. Choose between making the minimum payment or full payment.

Yes, you can select the option to pay or transfer the funds today or at a future date.

Citibank Japan Ltd. ("Citibank Japan") FAQs

IMPORTANT NOTESIMPORTANT NOTES

For payments and transfers via Citi Mobile, the payee will first have to be added on Citibank Online. All payments and transfers are subject to the Citibank Online User Agreement. Some or all of the services (including payments and transfers) that may be accessed through Citi Mobile or Citibank Online may not be available during our scheduled maintenance times. In the event of such unavailability, you may call our 24-Hour CitiPhone Banking at 6225 5225 or visit a Citibank branch to conduct your banking transactions. Citibank exercises no control and assumes no responsibility for any delay, misconnection, variation in response times and connectivity of any Internet Service Provider (whether local or overseas) through which access to Citi Mobile and/or Citibank Online is effected. Citibank full disclaimers, terms and conditions apply to individual products and banking services.