Sign On
Manage your Payments and Transfers securely
Pay your bills to transfer your funds locally and overseas with ease via your Citi Mobile® App.
The information within this page is applicable to both Citi Singapore and Citi International Personal Bank (IPB) Singapore clients.
Domestic Transfer
Seamlessly transfer funds or pay bills within Singapore using a variety of secure digital solutions.
- FAST
- PayNow
- GIRO/eGIRO
- EPS/DCS
- MEPS
- EDP
- Bill Payment
FAST Overview
FAST (Fast And Secure Transfers) is a fund transfer service that allows you to transfer your funds almost instantly and securely from your Citibank account. The FAST transfer option is available both on Citi Mobile® App and Citibank Online. Available 24/7, FAST allows you to transfer funds to participating banks/organizations within Singapore.
Transfer Limit
Securely transfer up to S$200,000 per transaction
Availability
Available 24/7 across 30+ participating banks
Processing Time
Near-instant transfers at no fees
How to Make a Transfer
Outbound Transfers
Citi Mobile® App
Step 1: Login to Citi Mobile® App
Step 2: Select ‘Payments’ > ‘Local & Internal Transfers’
Step 3: Select a saved payee in the list to make the transfer OR click on ‘New Payee’
Step 4: FAST option will automatically be shown under ‘Review & Confirm’ if FAST transfer is available for the receiving bank/institution
Step 5: Under ‘Review and Confirm’, click on ‘Pay’ after verifying payment details
Citibank Online
Step 1: Login to Citibank Online
Step 2: Select ‘Payment & Transfer’
Step 3: Select a payee in the dropdown list OR click on ‘Add Payee’
Step 4: Select ‘From Account’ in the dropdown list
Step 5: Indicate the transfer amount and select ‘Transfer via FAST (Instant)’
Step 6: Click ‘Next’ then ‘Make this transfer’ after verifying payment details
Inbound Transfers
This is only applicable if you have set up a ‘Drawee account’ previously. Please note that we no longer accept the setup of new drawee accounts.
Citi Mobile® App
Step 1: Login to Citi Mobile® App
Step 2: Select ‘Payments’ > ‘Local & Internal Transfers’
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 5: FAST option will automatically be shown under ‘Review & Confirm’
Citibank Online
Step 1: Login to Citibank Online
Step 2: Select ‘Payment & 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 5: Indicate the transfer amount and select ‘Transfer via FAST (Instant)’ before making the transfer
Citi Accounts that are eligible for FAST funds transfers
All single and joint-alternate Citi SGD Checking and/or Savings Account (CASA).
Participating Banks & Organizations
30+ banks ready to receive your transfers
For the full list of participating banks/organisations, please visit The Association of Banks in Singapore (ABS) website. Refer to the 'FAST Fact Sheet' under the 'FAST' tab.
- Anext Bank Pte Ltd
- ANZ Bank
- Bank of China
- BNP Paribas
- Bank of East Asia
- CIMB Bank
- Citibank NA
- Citibank Singapore Ltd
- DBS Bank/POSB
- Deutsche Bank
- Green Link Digital Bank Pte Ltd
- GXS Bank Pte Ltd
- HL Bank
- HSBC
- HSBC Bank (Singapore) Limited
- ICICI Bank Limited Singapore
- Industrial and Commercial Bank of China Limited
- JPMorgan Chase, N.A.
- MariBank Singapore Pte Ltd
- Maybank Singapore Limited
- Malayan Banking Berhad
- Mizuho Bank Ltd
- MUFG Bank Ltd
- OCBC Bank
- RHB Bank
- Standard Chartered Bank (Singapore) Limited
- Sing Investments & Finance Limited
- State Bank of India
- Sumitomo Mitsui Banking Corporation
- The Bank of East Asia Ltd
- Trust Bank Singapore Ltd
- United Overseas Bank
- GPay Network (S) Pte Ltd*
- Liquid Group Pte Ltd*
- MatchMove Pay Pte Ltd*
- NIUM Pte Ltd*
- SingCash Pte Ltd*
- Wise Asia-Pacific Pte Ltd*
- Xfers Pte Ltd*
*NFIs (Non-banking financial institutions)
FAST Transfer Limits
To other Citibank accounts or another bank
Per transaction
S$200,000
Daily limit
S$200,000/day
Between my Citibank accounts
Transfer limit
Up to Account Balance
Payments to/from NFIs (e-wallets)
Transaction cap
S$5,000
The indicated limit amounts are based on maximum limits. Clients are able to set their own daily and/or per-transaction limits, provided these are within the applicable maximum limits.
For each transaction, the maximum amount a client can send will be the lower of two values: their available account balance or the predefined maximum transaction limit.
Frequently Asked Questions
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/organisation and subject to the consent of the recipient. As such, please take utmost care in ensuring accuracy of recipient and recipient bank/organisation details inserted, before performing your transfer.
No, 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 date and funds will be sent out on the actual day.
For non-participating banks, MEPS fund transfers can be effected from your Citibank account to another bank account within Singapore on the same day, at a nominal charge of S$10 via Citibank Online.
^For MEPS performed after 4PM on a business day, the funds will be transferred on the following business day.
The following are a few scenarios which may result in this error:
- You have attempted to do a PayNow/FAST transfer which is above your defined daily transfer limit or above the maximum daily transfer limit
- You have already done a FAST/GIRO/PayNow/Bill Payment transfer on the same day and the amount which you are attempting to transfer exceeds the total daily accumulative limit allowed for local transfers (S$200,000).
PayNow
Send money instantly without exchanging bank account numbers
PayNow is a service that allows customers to send and receive funds almost instantly from one participating bank/organization to another using just their mobile number, NRIC/FIN, UEN¹ or VPA². You can also scan QR codes to make PayNow transactions to payees and/or businesses.
Near-instant Transfer
Using mobile number, NRIC/FIN, UEN or VPA
Availability
Available 24/7 across 30+ participating banks
Safe & Secure
Secure authentication and QR code support
How to Make a Transfer
Transfer funds via PayNow
Citi Mobile® App
Step 1: On your main screen, select ‘PayNow’ and login.
Step 2: Enter the contact name from your contact list, mobile number, NRIC/FIN, UEN (with suffix if any) or Virtual Payment Address (VPA) of the recipient.
Step 3: Select the account to pay from and enter the transaction amount.
Step 4: Verify and confirm the transaction details.
The status of your funds transfer will be reflected on your confirmation page. You may also check your transaction history on Citibank Online or Citi Mobile® App.
Citibank Online
Step 1: Login to Citibank Online and click on the ‘Payments & Transfers’ tab.
Step 2: Under ‘Paynow’, select ‘Transfer via PayNow’.
Step 3: Enter the mobile number, NRIC/FIN, UEN (with suffix if any) or Virtual Payment Address (VPA) of recipient, select the account to pay from and enter the transaction amount.
Step 4: Verify and confirm the transaction details.
Receive funds via PayNow
Citi Mobile® App
Step 1: Login to your Citi Mobile® App and select ‘Settings & More’.
Step 2: Tap on 'Payments' and select 'Manage Payments' followed by 'Manage PayNow' to get started.
Step 3: Choose either your mobile number or NRIC/FIN to be linked to your preferred Citi account.
Step 4: Enter your account nickname, which will be displayed to sender, and confirm details.
Step 5: Key in the SMS OTP and you are all set to receive funds via PayNow.
Citibank Online
Step 1: Login to Citibank Online and click on the ‘Payments & Transfers’ tab.
Step 2: Under 'PayNow’, select 'Link to receive'.
Step 3: Choose either your mobile number or NRIC/FIN to be linked to your preferred Citi account or Citi Credit Card.
Step 4: Enter your account nickname, which will be displayed to sender and confirm details.
Step 5: Key in the SMS OTP and you are all set to receive funds via PayNow.
Citi Accounts that are eligible for PayNow transactions
All single and joint-alternate Citi SGD Checking and/or Savings Account (CASA).
PayNow Transfer Limits
Transfers to Individuals or Businesses/Corporates
Daily limit
S$200,000/day
Per transaction
S$200,000
Transfers to NFIs3
Daily limit
S$5,000
Per transaction
S$5,000
PayNow Terms & Condition
Citibank Singapore Clients, click here
Citibank Singapore International Clients, click here
The indicated limit amounts are based on maximum limits. Clients are able to set their own daily and/or per-transaction limits, provided these are within the applicable maximum limits.
For each transaction, the maximum amount a client can send will be the lower of two values: their available account balance or the predefined maximum transaction limit.
1UEN: The Unique Entity Number (UEN) is the standard identification number of a business entity or company entity that uniquely identifies this entity. For PayNow, some businesses may provide their UEN accompanied with a 3-character suffix. The suffix acts as an identifier to ensure that payments are made to the correct bank account.
2VPA: The Virtual Payment Address (VPA) proxy is a new PayNow proxy (other than Mobile number, NRIC/FIN, and UEN) that allows you to transfer to non-bank financial institutions (‘NFI’). The registration of the VPA proxy is done at NFI’s end.
3NFI: PayNow is currently offered by NFIs such as Singtel Dash, GrabPay, Liquid Pay. NFIs have a maximum load capacity of S$5,000 for their e-wallets (e-wallet limits are regulated by MAS). These load capacity controls are managed at NFI's end.
Frequently Asked Questions
Yes, you can pay businesses with PayNow via our Citi Mobile® App just by keying in their UEN number. Please note that the business you wish to pay to must first have registered with PayNow. You will be required to enter a transaction description, billing reference number, or receipt number based on the business's requirements.
Inform us immediately via Citibank Online so we can attempt to help you recover the funds to the best of our ability.
Login to your account via Citibank Online. Click on 'Messages' then '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/organisation and subject to the consent of the recipient. As such, please take utmost care in ensuring the accuracy of the mobile number, NRIC/FIN, UEN or Virtual Payment Address, 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 6 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.
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 for further information.
GIRO
General Interbank Recurring Order (GIRO) is an electronic bill payment option which allows you to transfer funds and will take about 2 to 3 working days to be effected. This mode of transfer can be used for scheduled payments to Individuals or Organisations in Singapore with no charges involved.
Starting March 2024, in addition to paper-based GIRO setup or cancellation, you will be able to apply for or cancel an existing eGIRO set up on your Citibank Singapore Limited account via the participating Billing Organization's website, within minutes.
Transfer Limit
Up to S$200,000/day subject to your daily domestic transfer limit
Processing Time
2 to 3 working days
Setup Options
Digital and traditional setup options
eGIRO
eGIRO stands for Electronic GIRO. eGIRO digitizes the GIRO application process with an aim to significantly reduce the GIRO set-up turnaround time. This is a joint initiative by The Association of Banks in Singapore (ABS), Monetary Authority of Singapore (MAS) and Participating Banks. Currently, eGIRO can be setup against eligible SGD Current Accounts and/or Savings Accounts (CASA).
For more details on the participating banks and billing organisations, please visit The Association of Banks in Singapore (ABS) website. Refer to the 'eGIRO' tab.
Setting up e-GIRO
Process Initiation
External
The eGIRO set up process can only be initiated from the Billing Organization's application or website. You will then be redirected from the Billing Organization's website to Citibank page to proceed with the set up.
Authorization Required
Mobile App
eGIRO setup and cancellation requires authorization via the Citi Mobile® App. Follow the step-by-step guide below:
Login to the Billing Organizations' (BO) website for eGIRO application
Click on eGIRO application on the BO's website
Select 'Citibank' to get redirected to key in Citibank's online login credentials
Key in the account, amount, date range in screen and click 'submit'
Upon receiving the push notification, authorize the transaction
International Personal Bank (IPB) Clients
Country Restrictions
For Citibank International Personal Bank (IPB) clients, please note the eGIRO set up can only be completed with the Citi Mobile® App which is currently applicable to clients domiciled in the following countries: Australia, China, Hong Kong, Korea, India, Indonesia, Japan, Malaysia, Philippines, Singapore, Thailand, Taiwan, UAE, UK, US, and Vietnam.
GIRO Transfer Limits
GIRO transfers
Daily limit
S$200,000/day
Subject to your account limit
eGIRO transfers
Default limit / transaction
S$5,000
• May increase up to S$200,000
Call Citi's hotline to change your eGIRO limit
Call Citi's hotline to change your eGIRO limit
Setup requirements
Mobile app required
Yes
eGIRO setup via Citi Mobile® App
authorization
authorization
The indicated limit amounts are based on maximum limits. Clients are able to set their own daily and/or per-transaction limits, provided these are within the applicable maximum limits.
For each transaction, the maximum amount a client can send will be the lower of two values: their available account balance or the predefined maximum transaction limit.
Frequently Asked Questions
No. Currently, you can only set up or cancel an eGIRO instruction via a participating billing organisation’s application or website.
No. Existing instructions or new setups by paper forms will not be migrated to eGIRO. You may continue to setup or cancel GIRO via paper submissions as well.
eGIRO setup and cancellation requires authorization via the Citi Mobile® App. In case you have recently registered for mobile banking or have a new app (token) registration, a cooling period of 12 hours will apply before any eGIRO related setup or cancellations can be done.
Electronic Payment of Shares (EPS)
Enjoy a convenient way of paying for your share purchases and receiving payment from the sale of your shares via EPS.
You can now pay for your share transactions via Citibank Online.
Faster access
Sales proceeds are immediately available on settlement date
Convenience
Not required to bank in the cheques received from the sale of shares
Cost
There are no charges levied for payment for share purchases or receipt of proceeds from sale of shares
How to Apply
Obtain the EPS Application Form from your stock broker to link your Citibank SGD-denominated deposit account to your share trading account.
Complete the EPS application form and return it to your stock broker.
Your stock broker will send your EPS application to CDP to inform Citibank of the application.
Citibank will process the request and link your designated Citibank account to your Trading account.
When the registration process is completed, your broker will notify you in writing.
Log in to Citibank Online to view your share sale proceeds and make share purchase payments.
Frequently Asked Questions
No, the EPS Service is only available on Citibank Online for share purchase payments.
You will be able to choose from 2 payment options via EPS through Citibank Online. You could pay by individual contracts or choose to pay any amount to your broker via the lump sum payment option.
Yes. You may designate a Joint AND/OR account to apply for the EPS facility. However, please note that Joint AND Only accounts cannot be used to effect EPS payment.
Yes. You can choose to make payment via cash, cheque or telegraphic transfer if you do not wish to initiate payment via EPS through Citibank Online.
Yes, but you have to pay in Singapore dollars. The contract value is then expressed in the Singapore dollars equivalent, and you can make payment through EPS. The FX rate applied on your payment and receipt from sale of shares will originate from the stockbroker.
Direct Crediting Service (DCS)
DCS is a free service offered jointly by Citibank and SGX to let CDP Account holders enjoy the convenience of having their Singapore-dollar dividend payments or other cash distributions from their securities holdings credited directly into their designated Citibank account.
Enjoy the convenience of having your dividend payments or other cash distributions from your securities holdings automatically credited into your Citibank account.
Convenience
Hassle-free crediting of dividend payments directly into your bank account
Cost
There are no charges levied for receipt of dividends or other cash proceeds
Access
Access your dividend payments and other cash distributions immediately on the payment date
How to Apply
You can apply for DCS by completing the application form and mail it in to CDP at:
4 Shenton Way
#02-01 SGX Centre 2
Singapore 068807
Note: If you already have an existing direct crediting arrangement with another bank, you can complete the same form and have your designated account changed to your Citibank account.
Please liaise with your stock broker to obtain the EPS application form to link up your Citibank SGD-denominated deposit account to your share trading account. Complete the EPS application form duly signed and returned to your stock broker. The registration process will take between 1-2 weeks. During this period, the settlement of trades will be in cash or cheque. If you already have an existing EPS arrangement with another bank, there will be an additional de-registration period of 1-2 weeks.
Frequently Asked Questions
Once your application has been approved, CDP will notify you via mail. Your bank account number will also be reflected in your CDP monthly and year-end statements.
CDP is an acronym for Central Depository Account which is managed by Singapore Stock Exchange (SGX). CDP is basically a holding account for all securities you have purchased via the open market. All your investments both equities and fixed income instruments will be deposited in your CDP account.
To know if you already have a CDP account registered in your name you can contact the Singapore Stock Exchange (SGX) at 6535 7511. However, if you already know your CDP account number you can register for CDP Internet services to access your CDP securities portfolio or download e-statements and manage all your securities-related activities.
You can write to CDP on your request to withdraw from DCS. You may receive your cash distributions from CDP directly to your designated bank account with Direct Crediting Service (DCS). However, if you have not yet applied for DCS, your cash distributions will still be displayed in the Cash Transaction section of your CDP’s monthly account statement. Once you apply for a DCS, the cash distributions will be credited to the account automatically.
You will receive a Monthly Summary of Payments with details of the dividends paid. This Monthly Summary of Payments will be sent to you whenever there are payments made to you for the month. There will also be a transaction code "CDP" on your bank statement to indicate the amount credited into your bank account. If CDP is unable to credit the dividend payment into your designated Citibank account, you will receive a cheque from CDP instead. A DCS application form will be enclosed for you to furnish CDP with the updated details concerning your bank account.
You can submit a new form to CDP, or write to CDP providing your particulars:
Name
Address
Securities account number
Identification / passport number (the records with CDP and your bank should correspond)
Contact number
New designated bank name & account number
Signature (to match that in our record)
You will receive a notification from CDP once the change has been effected
MEPS
MAS Electronic Payment System (MEPS) allows you to transfer Singapore dollar funds from your Citibank account to other bank accounts within Singapore on the same day.
For transfer via MEPS, instructions received before 4pm on a business day will be effected on the same day. Instructions after 4pm or on a non-business day will be effected the next business day.
Transfer Limit
Online: *S$200,000
Assisted Channel: Up to account balance
Processing Time
Before 4pm: Same day
After 4pm: Next business day
Availability
Participating Singapore banks and financial institutions
MEPS Transfer Limit
Transfers via Citibank Online
Online
Transfer limit
S$200,000
*Transfer limit is subject to the
daily domestic transfer limit
of S$200,000
Transfers via Citibank Branch
Transfer limit
Up to account balance
Electronic Deferred Payment (EDP)
In line with the transition to e-payments for cheque users, two new e-payment solutions have been introduced for individuals and companies on 28 July 2025. You may tap on these solutions, Electronic Deferred Payment (EDP) and EDP+, to make deferred payments in place of cheques and cashier’s order.
They complement existing e-payment methods like PayNow, FAST, GIRO and MEPS+ to make or receive payments, available only in SGD. Enjoy 24/7 availability, though please note that access may be temporarily unavailable during scheduled system maintenance. No sign up is required.
Easy Tracking
Receive real-time updates on your EDP status
Availability
Available 24/7 on the Citi Mobile® App across 7 participating banks
Full Visibility
Clear updates of payment details
Benefits and use cases of EDP/EDP+
| Benefits | Sample use cases |
|---|---|
|
|
How to Make a Transfer
Citi Mobile® App
Step 1: Login to Citi Mobile® App
Step 2: Click on the ‘Payments’ tab, followed by the ‘EDP’ icon
Step 3: Click a new EDP or EDP+ request
Step 4: Select your debiting account, enter Transfer amount, select EDP/EDP+
Step 5: Select the effective date to cash out this EDP and click next
Step 6: Review the details and click ‘Submit’
List of participating banks as of 27 July 2025
Participating Banks & Organizations
- Citibank
- DBS Bank
- HSBC
- Maybank
- OCBC Singapore
- Standard Chartered Bank
- UOB
Key differences between EDP and EDP+ :
| Feature | EDP | EDP+ |
|---|---|---|
| Funds Deduction | Funds are deducted from the payer’s account only when payee requests payment, i.e. upon presentment1 of the EDP. | Funds are deducted immediately from the payer's account upon issuance of the EDP+, ensuring the amount cannot be used for other transactions. This reduces the risk of non-payment due to insufficient funds, providing greater assurance to both payer and payee as compared to EDP. |
| Effective Date | At least one day after the creation date, but no more than six months from it. | Fixed as the next calendar day. |
| Expiration Date | 6 months from the effective date unless cancelled or presented successfully by the payee before that. | |
| Upon Expiration | The EDP or EDP+ will be voided upon expiry. You may need to contact the payer to initiate a new one. | |
Funds are deducted from the payer's account only when payee requests payment, i.e. upon presentment of the EDP.
¹Presentment is the action taken by the payee to accept the EDP or EDP+. This is accessible via the Citi Mobile® App under Payments > EDP > Receive tab, click on the EDP/EDP+ you would like to present > Click “Present Payment”
EDP Transfer Limits & Fees
There are currently no charges for using EDP or EDP+. You are recommended to check with other bank if there is any fee associated with using EDP or EDP+, especially if you intend to issue EDP or EDP+ from another bank to a Citibank account.
Daily limits range from a minimum of S$1 to a maximum of S$200,000. By default, the limit is set at S$5,000. You may adjust your limits via the Citi Mobile® App, up to the maximum allowed.
For example, a customer can create multiple EDP and/or EDP+ on the same day as long as they are within the daily limits allowed.
The indicated limit amounts are based on maximum limits. Clients are able to set their own daily and/or per-transaction limits, provided these are within the applicable maximum limits.
For each transaction, the maximum amount a client can send will be the lower of two values: their available account balance or the predefined maximum transaction limit.
Frequently Asked Questions
You may cancel EDP on the Citi Mobile® App if it is still active and has not expired. All you have to do is select the EDP that you wish to cancel and click ‘Cancel Payment’. For EDP+, please contact our CitiPhone team or wealth centre (for Citigold and Citigold Private Client customers) for assistance.
No, both payer and payee must have accounts with participating banks.
Yes, you may cancel an EDP or EDP+ via the Citi Mobile® App, as long as it has been successfully created and is still active (i.e, not expired or already cancelled). This is accessible via the Citi Mobile® App under Payments > EDP > Receive tab, click on the EDP/EDP+ you would like to cancel > Click “Cancel Payment”
For EDP+, funds are debited immediately upon creation by payer For EDP, funds are usually debited within 2 working days after successful presentment by the payee. Please note that some exclusions may apply. Please refer to the Terms and Conditions available on the Citibank website.
No, EDP and EDP+ must be created using a valid PayNow proxy (search via mobile number, NRIC/FIN, UEN which is registered with PayNow) or account number.
- EDP: Funds are usually debited within 2 working days after successful presentment by the payee. As there is no debiting of funds when the EDP is cancelled or expired, there will be no return of funds
- EDP+: Debited funds will be returned to your account if the EDP+ is cancelled or has already been expired. Kindly ensure that the account remains open and active. For any further assistance required, you may contact our CitiPhone team or wealth centre (for Citigold and Citigold Private Client customers) for assistance.
Yes, retail users will still be able to issue and deposit SGD cheques after 2026. This includes the issuance of retail cheques for payment into corporate accounts.
Retail customers in receipt of cheques issued by a corporate should present their cheques for clearing well before 1 January 2027, to ensure that their cheques can be processed before the deadline.
Yes, both cashier’s orders and USD cheques remain available for retail users.
Retail cheques, cashier’s orders and USD cheques will continue to be available to serve users that require more time to transition to alternative payment methods. MAS, ABS and the industry will continue to monitor cheque usage and provide updates on any changes to the timeline or availability of these payment methods following future reviews. In the meantime, retail users are encouraged to explore and adopt digital alternatives where possible.
Currently, cheque issuance fees are being waived by seven banks – Citibank, DBS, HSBC, Maybank, OCBC, Standard Chartered Bank and UOB – for customers aged 60 years old and above until 31 December 2025. To ensure that the banking needs of seniors are well met going forward, customers who are aged 60 years old and above as of 31 December 2025 will remain eligible for the waiver of cheque services fees after 31 December 2025.
Bill Payment
Credit Card/Ready Credit Bill Payment
How to Make a Transfer
Pay Citi Credit Card/CitiReady Credit Card from Citibank account
Citi Mobile® App
Step 1: Login to your Citi Mobile® App
Step 2: On your account dashboard, tap on the Citi Credit Card/Citi Ready Credit Card which you want to pay.
Step 3: Tap ‘Pay Card’ and make payment based on ‘Statement Amount’, ‘Current balance’, ‘Minimum amount’ or any preferred amount
Step 4: Select your preferred Citibank account under ‘From’ to make payment to your Citi Credit Card/Citi Ready Credit Card
Citibank Online
Step 1: Login to Citibank Online
Step 2: Under ‘Credit Card Accounts’, select the Citi Credit Card/Citi Ready Credit Card which you want to pay
Step 3: Click ‘Make a Payment’ and select your preferred Citibank account from the dropdown
Step 4: Confirm payment details and amount
Pay Citi Credit Card/Citi Ready Credit Card from other bank accounts
Login to your other bank/organization’s online banking platform
Click on their ‘Local/Fund transfer’ option and FAST transfer option if applicable
Under the payee details, select ‘Citibank Singapore Ltd’ and enter either your 16-digit Citi Credit Card number OR your 10-digit Ready Credit account number (starting with ‘1’)
Authorise the setup if required to make the transfer
Pay selected Billing Organisation from Citibank account/Citi Credit Card/Citi Ready Credit Card
Citi Mobile® App
Step 1: Login to your Citi Mobile® App
Step 2: Click on the ‘Payments’ tab, followed by the ‘Cards & Bills’ icon. Tap 'Bills' to get started
Step 3: Select a saved payee in the list to make the transfer OR click on ‘Add Payee’ to add a new billing organisation
Step 4: Add your bill reference number and select 'Proceed to Make Transfer' to input the respective bill amount
Step 5: Select your preferred Citibank account/Citi Credit Card/Citi Ready Credit Card under ‘From’ to make payment to your selected Billing Organisation
Step 6: Input the amount, verify transfer details and confirm
Citibank Online
Step 1: Login to Citibank Online and click on the ‘Payments & Transfers’ tab.
Step 2: Under ‘Manage Payee List’, click ‘Add Payee’ if required or select 'Manage Payee' to make a transfer.
Step 3: To add a new payee, under 'Payee Type', select 'Pay Billing Organisation' and fill in the details accordingly
Step 4: Select your preferred Citibank account/Citi Credit Card/Citi Ready Credit Card under ‘From’ to make payment to your selected Billing Organisation
Step 5: Input the amount, verify transfer details and confirm
Citi PayAll
With Citi PayAll, you can also use your Citibank Credit Card to pay selected billing organisations, rent, tax and more.
Bill Payment Limit & Fees
The maximum transaction limit for your bill payment is S$200,000 per day, subject to your daily domestic transfer limit
S$200,000/DAY
Overseas Fund Transfer
Global transfers. Fast. Secure. Simple. Transfer now!
- Telegraphic Transfer
- Citibank Global Transfer
- Cross Border Real-Time Transfer
Telegraphic Transfer
Telegraphic Transfer now unlocks a world of possibilities to meet your overseas fund transfer needs. For greater flexibility and convenience, you can now remit money in 43 currencies. Enjoy faster, easier, and more secure fund transfers anytime, anywhere via Citibank Online or the Citi Mobile® App.
Wide currency offerings
Remit in 43 currencies
Availability
Available 24/7 via Citibank Online or Citi Mobile® App
Real-time tracking
Check fund transfers with ease
Transaction Steps
Citi Mobile® App
Step 1: Login to your Citi Mobile® App and tap on ‘Payments’
Step 2: Tap on ‘Overseas Transfer’ and add ‘New Payee’ if required or select payee to make a transfer
Step 3: Select currency and enter transfer amount
Step 4: Verify transfer details and confirm
Citibank Online
Step 1: Login to Citibank Online and click on ‘Payments & Transfers’
Step 2: Click ‘Add Payee’ if required or select payee to make a transfer
Step 3: Under ‘Payee Type’, select ‘Telegraphic Transfer’ and fill in the details accordingly
Step 4: Verify transfer details and confirm
Telegraphic Transfer Limits
Maximum daily transaction limit
S$250,000
The limits of transfer amounts are subject to the Rules and Regulations of the country of the payee/beneficiary account. Depending on the rules and regulations of the country where the account is located, certain currency/account type may be eligible and/or a lower limit may apply.
Minimum daily transaction limit
US$25 equivalent
Only applicable to Korean Won (KRW), Taiwan Dollar (TWD), Laotian Kip (LAK), Nepalese Rupee (NPR), Malaysia Ringgit (MYR), Chinese Yuan (CNY)
The indicated limit amounts are based on maximum limits. Clients are able to set their own daily and/or per-transaction limits, provided these are within the applicable maximum limits.
For each transaction, the maximum amount a client can send will be the lower of two values: their available account balance or the predefined maximum transaction limit.
Remittance Information
- Inward Remittance
- Outward Remittance
For inward remittance, to ensure that the amount received at Citibank is your intended amount, please inform remitting bank to "Pay the Beneficiary in full".
Transfer your funds to beneficiaries overseas at a nominal, per-transaction fee with no extra commissions, exclusively on Citibank Online & Citi Mobile® App. What's more, you will be able to view foreign exchange rates online before confirming a transaction. Additional charges from the correspondent bank and beneficiary bank may be applicable.
For any assistance on spreads for larger value foreign exchange remittances, you may call our 24-Hour CitiPhone Banking at (65) 6225 5225 or (65) 6224-5757 (for International Personal Bank Clients) or contact your Client Advisor for more information.
Available Currencies
Group 1
AUD
BND
CAD
DKK
EUR
HKD
INR
JPY
NZD
NOK
PHP
SGD
ZAR
LKR
GBP
SEK
CHF
THB
AED
USD
Group 2
BHD
BDT
KHR
CNY
CZK
XCD
FJD
HUF
IDR
ILS
KES
LAK
MOP
MYR
MUR
NPR
PKR
PGK
PLN
KRW
TWD
TRY
VND
This service will not be available at the following (SGT) timings during system downtimes: Mondays to Saturdays, 6:30AM to 8:00AM
*Transfer is subject to maximum daily limit and may take up to 3 working days from the day of instruction for Group 1 currencies. For Group 2 Currencies, the transfer may take up to 7 to 10 working days, depending on the individual countries and banks receiving the funds.
Processing Time & Additional Information
Processing Time
It may take up to 3 working days from the day of instruction. Some transfers may take up to 7 to 10 working days, depending on the corresponding countries and banks.
Important Disclaimers
- Additional charges from the corresponding bank and the beneficiary bank may apply. Returned funds would be converted at the prevailing FX rates by third party bank and/or Citibank.
- Charges may be applied by third party bank. This could result in the converted returned funds being lesser than your original transfer amount.
- All payments and transfers are subject to the Citibank Online User Agreement. Please refer to the Citibank Online User Agreement relevant for your client segment - Citibank Singapore Clients or Citibank Singapore International Clients. Some or all of the services may not be available during scheduled maintenance times.
- In the event of such unavailability, you may call our 24-Hour CitiPhone Banking at (65) 6225 5225 or (65) 6224-5757 (for International Personal Bank Clients) 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. Citibank full disclaimers, terms and conditions apply to individual products and banking services.
Frequently Asked Questions
Group 1 currencies:
Yes, you may book a rate with your Treasury Sales Officer, and input your Foreign Exchange Contract number in the online instruction.
Group 2 currencies:
No. At this moment, these new currencies are not available via Treasury Sales Officers.
Group 1 currencies:
Yes, you may submit an online secure message to request for a Foreign Exchange rate from your Treasury Sales Officer.
Group 2 currencies:
No, these 23 currencies will not be available for booking via Treasury Sales Officers.
You may change your sending currency to one that is different from the destination home currency, but a second conversion charge may be incurred, as applied by the beneficiary bank.
You may choose to send your funds in any of the existing currencies currently offered by Citi.
Citibank Global Transfer
Citibank Global Transfer (CGT) is an online service that allows you to transfer funds between your Citibank accounts globally via your Citi Mobile® App or Citibank Online, real-time and at no additional fees.
Transaction Steps
Citi Mobile® App
Step 1: Login to your Citi Mobile® App and tap on ‘Payments’
Step 2: Tap on ‘Overseas Transfer’ and add ‘New Payee’ if required or select payee to make a transfer
Step 3: Select currency and enter transfer amount
Step 4: Verify transfer details and confirm
Citibank Online
Step 1: Login to Citibank Online and click on ‘Payments & Transfers’
Step 2: Click ‘Add Payee’ if required or select payee to make a transfer
Step 3: Under ‘Payee Type’, select ‘Citibank Global Transfer’ and fill in the details accordingly
Step 4: Verify transfer details and confirm
Available Markets
Hong Kong
Korea
Singapore
UAE
USA
Transaction Limits and Fees
| Fees | Limits | Speed of Transfer |
|---|---|---|
| Free | S$250,000/day+ | Real-time |
The indicated limit amounts are based on maximum limits. Clients are able to set their own daily and/or per-transaction limits, provided these are within the applicable maximum limits.
For each transaction, the maximum amount a client can send will be the lower of two values: their available account balance or the predefined maximum transaction limit.
+The limits of transfer amounts are subject to the Rules and Regulations of the country of the payee/beneficiary account. Depending on the rules and regulations of the country where the account is located, certain currency/account type may be eligible and/or a lower limit may apply. Countries with lower CGT limits: Korea and United Arab Emirates (UAE).
Please contact your Relationship Manager or our 24-Hour CitiPhone Banking at (65) 6225 5225 or (65) 6224-5757 (for International Personal Bank Clients) for more details.
For CGT, payee from the selected participating branches will need to be added and activated in your payee list before you can transfer funds to the payee.
Cross Border Real-Time Transfer
Sending money in local currencies to United Kingdom, Thailand or India has never been easier. Cross Border Real-Time Transfer is a seamless service which is available on the Citi Mobile® App and Citibank Online.
Seamless Transfers
Transfer funds securely to any account in UK (GBP), Thailand (THB), India (INR)
Competitive FX rates
Unlock great value with competitive FX rates, available 24/7
Fast and Secure
Experience near real-time, reliable cross-border remittances
Transaction Steps
Citi Mobile® App
Step 1: Login to your Citi Mobile® App and tap on ‘Payments’
Step 2: Tap on ‘Overseas Transfer’ and add ‘New Payee’ if required or select payee to make a transfer
Step 3: Select currency and enter transfer amount
Step 4: Verify transfer details and confirm
Citibank Online
Step 1: Login to Citibank Online and click on ‘Payments & Transfers’
Step 2: Click ‘Add Payee’ if required or select payee to make a transfer
Step 3: Under ‘Payee Type’, select ‘Telegraphic Transfer’ and fill in the details accordingly
Step 4: Verify transfer details and confirm
| Country | Currency | Cross Border Real-Time Transfer Limit |
|---|---|---|
| India | Indian Rupee (INR ) | INR 500,000 |
| United Kingdom | British Pound (GBP) | GBP 25,000 |
| Thailand | Thai Baht (THB) | THB 49,999 |
The indicated limit amounts are based on maximum limits. Clients are able to set their own daily and/or per-transaction limits, provided these are within the applicable maximum limits.
For each transaction, the maximum amount a client can send will be the lower of two values: their available account balance or the predefined maximum transaction limit.
Note: For any transactions above the stated transfer limits, the transfer will be made through Telegraphic Transfer which takes two to four business days to arrive. In addition, the minimum transaction amounts to enjoy Cross Border Real-Time Transfer are GBP 1, THB 2, INR 1 per transfer respectively.
*Subject to beneficiary bank’s participation & availability in destination country’s faster payment system
Important Information
Find your transfer codes, fees guidelines here
BIC/SWIFT Codes
Bank identification codes for international transfers
What is a SWIFT Code?
A SWIFT code is an international bank code that identifies particular banks worldwide. It's required for international wire transfers and ensures your money reaches the correct destination.
Format: 8-11 characters (Bank Code + Country Code + Location Code + Branch Code)
You will need to select the relevant Citibank entity’s BIC when you initiate new fund transfer from your Citibank Singapore Limited accounts and/or inter-bank payment instructions to Citibank Singapore Limited accounts. The changes are relevant to transactions involving a transfer of funds to Global Consumer Banking, CitiBusiness or Citi International Personal Bank accounts, and is applicable to all Fast and Secure Transfer (FAST), inter-bank GIRO, MAS Electronic Payment System (MEPS) and Telegraphic Transfers.
| Currency | SGD | Others (No change. For reference only) |
|
|---|---|---|---|
| Before 15 April 2019 (Old BIC) |
On and After 15 April 2019 (New BIC) |
||
| SWIFT Bank Identifier Code (BIC) | CITISSGXXX | CITISGLXXX | CITISGSGGCB |
| Bank Code | 7214 | 9201 | - |
| FAST bank description | CITIBANK, N.A. | CITIBANK SINGAPORE LIMITED | - |
| Currency | SGD | Others (No change. For reference only) |
|
|---|---|---|---|
| Before 15 April 2019 (Old BIC) |
On and After 15 April 2019 (New BIC) |
||
| SWIFT Bank Identifier Code (BIC) | CITISSGXXX | CITISGLXXX | CITISGSGGCB |
| Bank Code | 7214 | 9201 | - |
| FAST bank description | CITIBANK, N.A. | CITIBANK SINGAPORE LIMITED | - |
Fees & Rates
Transparent pricing for all transfer services
- For Citibank Singapore Clients, click here
- For Citibank Singapore International Clients, click here
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Disclaimers
Terms and Conditions
Citibank Singapore Clients terms and conditions: Click here
Citibank Singapore International Clients terms and conditions: Click here
Disclaimers
The information provided on this website does not constitute the marketing or offering of any products or services to individuals resident in certain countries/jurisdictions. For the comprehensive list of these countries/jurisdictions, please refer to the "Privacy" section in the footer of our Citibank Website. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.
Citibank full disclaimers, terms and conditions apply to individual products and banking services.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 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.
All payments and transfers are subject to the Citibank Online User Agreement. Please refer to the Citibank Online User Agreement relevant for your client segment - Citibank Singapore Clients or Citibank Singapore International Clients.
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 (65) 6225 5225 or (65) 6224-5757 (for International Personal Bank Clients) or visit a Citibank branch to conduct your banking transactions. Effective 1st December 2019, our agent support hours will be from 8am to 8pm. Emergency assistance will still be available 24-Hour for the selected services.
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.
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