Sign On
Start Your Wealth Journey with up
to S$40,110* in Welcome Rewards
Become an Accredited Investor with Citigold or Citigold Private Client to access tailored solutions, premium banking and global reach.
Begin your Citigold or Citigold Private Client experience with the Citi Wealth First Account and enjoy up to 7.51% p.a. interest.
The Citi Wealth First Account helps you grow your wealth by rewarding you for your banking and wealth relationship. Boost your savings with bonus interest on your usual banking activities, as well as when you insure and invest towards your wealth goals.
Spend and earn
(1.5% p.a.)
Spend a minimum of S$250 (or its equivalent in foreign currency) on eligible retail transactions per calendar month on your Citibank Debit Mastercard®.
Aggregated spend will be based on transaction posting date. Interest is payable monthly upon meeting the minimum spend.
>
Invest and earn
(1.5% p.a.)
Purchase new single lump sum investment (or combination of single lump sum investments) of at least S$50,000 in a calendar month. Investment transaction includes purchase of Unit Trust, Structured Notes and Bonds. Investments must be settled within the calendar month. Interest will be paid for a consecutive period of 12 months.
>
Insure and earn
(1.5% p.a.)
Purchase a new single premium insurance policy (or multiple single premium policies) with total premiums of at least S$50,000 in a calendar month. Policies purchased using Central Provident Fund Savings or Supplementary Retirement Schemes are excluded. Interest will be paid for a consecutive period of 12 months.
>
Borrow and earn
(1.5% p.a.)
Take up a new home loan of at least S$500,000. Mortgage Loans with Interest Offset features and Overdraft facilities are excluded. Interest will be paid for a consecutive period of 12 months.
>
Save and earn
(1.5% p.a.)
Increase your account's average daily balance from previous month's average daily balance by at least S$3,000. Interest will be paid on the incremental average daily balance.
>
Base interest
(0.01% p.a.)
Enjoy 0.01% base interest rate on your savings
>
Accelerate your wealth with up to S$40,110* welcome rewards
Unlock stackable rewards when you save, invest and/or insure.
You are new to Citigold or Citigold Private Client if you do not have an existing current/savings account with us.
-
Citigold Private Client
For client with Investible Assets of
S$1,500,000 -
Citigold
For client with Investible Assets of
S$300,000
Exclusive Wealth Offers for You
Enjoy personalised promotions and offers tailored to enrich your banking and investing experience.
E-Brokerage
Enjoy 6-month commission-free buy trades online4 for U.S. and Hong Kong markets when you open a new Brokerage account.
Promotional 3-month USD Time Deposit
Up to 4.08% p.a. (< USD 1 mil)
Up to 4.38% p.a.(> USD 1 mil)
Card Fee Waivers
Enjoy annual fee waiver on your Citi Credit Cards6.
Exclusive Wealth Privileges as a Citigold Accredited Investor7 customer
Experience enhanced wealth privileges and gain access to tailored investment strategies, market opportunities and exclusive Citigold privileges.
Citigold Benefits
Client Advisor
Your Client Advisor would be your primary point of contact to manage your portfolio, in consultation with a team of experts
Global Market Insights
Seize opportunities with market insights from 350+ analysts worldwide
Holistic, Personalised Wealth Management
Monitor and keep track of your wealth goals with Citigold Total Wealth Advisor tool, specially designed to help you plan and manage your portfolio in one place
Exclusive Wealth Banking Privileges
Enjoy access to global banking and lifestyle privileges, travel benefits and by-invitation-only events and experiences
Wealth Solutions
Sign up as an Accredited Investor and gain access to more investment opportunities. Protect and build your wealth with our full suite of investment and insurance products
Citigold Debit Mastercard®
Enjoy zero foreign transaction or currency conversion fees in over 150 currencies with Citibank Global wallet when you pay with your Citigold Debit Mastercard
More available as an Accredited Investor
DIVERSIFIED WEALTH OPPORTUNITIES
Access to a more comprehensive range of financial products and services available only to Accredited Investors
ACCESS TO A TEAM OF WEALTH EXPERTS
Connect with an experienced Client Advisor and a team of wealth experts who will partner you to achieve your wealth goals
WIDE RANGE OF INVESTMENTS
Trade in Bonds, Structured Notes and restricted Investment Funds without the minimum S$200k per transaction requirement
Ascend to Citigold Private Client and enjoy expanded wealth privileges
Experience bespoke advisory, gain priority access to global opportunities, and enjoy exclusive lifestyle privileges through an enriched experience meticulously designed for discerning wealth clients.
Senior Client Advisor
Your Wharton-trained Client Advisor and team of senior specialists will be at hand to provide wealth advisory and manage your portfolio
Proprietary tools
Gain clarity on current and future investments with Portfolio 360° and Citigold Diversification Index (CDI), powered by expert analysis for smarter decisions
Unparalleled Lifestyle Privileges
Complimentary airport lounge access, hotel privileges and exclusive dining benefits with the Citigold Private Client World Elite Debit Mastercard
Unlock elevated privileges and be rewarded for a total client relationship with Citi
When you are a Citigold Private Client customer who has
signed up as an Accredited Investor, and is a Citi Prestige cardmember.
This is to recognise the depth of your relationship with us - and our way of expressing our sincere appreciation to you.
Exclusive Benefits
Enhanced Welcome offer or Annual Fee Waiver for Citi Prestige Card
Get a welcome gift of up to 162,500 ThankYou Points8 (65,000 miles) or for the first time ever, opt for a one-time annual fee waiver9 (worth S$598)
Airport Lounge Access
Access airport lounges worldwide with 16 complimentary visits10 via Priority Pass and DragonPass
Golf Experiences
Tee off at highly celebrated golf courses with up to 11 complimentary games11
Complimentary Points Transfer
Enjoy 2 complimentary Points Transfers12 for airline miles or hotel points
Priority Booking for Exclusive Experiences
Get priority access to sought-after restuarants and premier entertainment experiences13
Complimentary e-Trades
Enjoy complimentary e-Trades14 (rebate on fees capped at S$800)
More available as an Accredited Investor
DIVERSIFIED WEALTH OPPORTUNITIES
Access to a more comprehensive range of financial products and services available only to Accredited Investors
ACCESS TO A TEAM OF WEALTH EXPERTS
Connect with an experienced Client Advisor and a team of wealth experts who will partner you to achieve your wealth goals
WIDE RANGE OF INVESTMENTS
Trade in Bonds, Structured Notes and restricted Investment Funds without the minimum S$200k per transaction requirement
Knowledge is Wealth
Turn information into opportunity with insights from 350+ analysts
worldwide, giving you the confidence to make bold financial decisions.
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Frequently Asked Questions (FAQs)
Eligibility
You will need a minimum of S$250,000 in fresh funds in Assets Under Management (AUM).
“AUM” refers to the combined balances held in a client's primary accounts including Citibank checking and savings account (except cash management account), time deposits, investments and premiums of life insurances distributed by Citi and underwritten by AIA Singapore Private Limited (Reg. No. 201106386R).
You’ll need to be at least 18 years old.
Documents Required
- For Singaporeans/PRs: No documents required. Your details will be retrieved and prefilled in your application
- For Foreigners: Passport and Proof of address.
- For student pass holders: Matriculation card from school in Singapore or valid letter of acceptance restricted to official letters from educational institutions or schools
- For Singaporeans/PRs: NRIC and Proof of address if your current address is different from address in NRIC
- For Foreigners: Passport, Valid work pass and Proof of address.
- For student pass holders: Matriculation card from school in Singapore or valid letter of acceptance restricted to or schools
No documents required
About Citi Wealth First Account
- A new Citibank debit retail spend of at least S$250 per month or multiple retail spends amounting to at least S$250 in a month or;
- A new single lump sum investment (unit trusts, structured notes and/or bonds) of at least S$50,000, multiple lump sum investments aggregating to at least S$50,000 in a month or;
- A new insurance policy with a single premium of at least S$50,000, multiple insurance policies with aggregated single premiums to at least S$50,000 in a month or;
- A new home loan (excluding interest offset home loans) of at least S$500,000 or;
- An increase in your account's average daily balance from previous month's average daily balance by at least S$3,000
The bonus interest applicable for each Qualifying Transaction Category is as follows:
- Spend - 1.5% p.a.
- Invest - 1.5% p.a. for 12 months;
- Protect - 1.5% p.a. for 12 months;
- Borrow - 1.5% p.a. for 12 months;
- Save - 1.5% p.a.
Yes. The applicable bonus interest of 1.5% p.a. (Spend) + 1.5% p.a. (Invest) will be applied to your Citi Wealth First Account average daily balance (subject to cap) based on the 2 qualifying transactions you have made.
You will need to purchase a new single lump sum investment of at least S$50,000, or multiple lump sum investments aggregating to at least S$50,000 in a month. Investment transaction must be settled within the calendar month.
Investment Transaction refers only to the purchase of Unit Trust, Structured Notes, and/or Bonds, and excludes:
- Money market funds;
- Investments using Central Provident Fund Savings or Supplementary Retirement Schemes;
- Investment transactions that are back valued to such date that is beyond the current calendar month;
- Securities trading;
- Currency investments (Premium Account, Leveraged Trading Account, Citibank Currency Trading Account); and Gold Account.
- Investment purchases are only available to persons aged 21 years old and above.
Bonus interest is calculated monthly and is based on your average daily balance. The applicable average daily balance ("ADB") for the computation of bonus interest shall be derived from:
- for Spend Transactions, the daily balance in your account for the calendar month in which the minimum debit card spend is incurred ("Posting Date");
- for Investment Transactions, the daily balance in your account for the 12-month period commencing from the settlement date ("Settlement Date");
- for Insurance Transactions, the daily balance in your account for the 12-month period commencing from the policy inception date ("Inception Date");
- for Home Loan Transactions, the daily balance in your account for the 12-month period commencing from the loan disbursement date ("Disbursement Date"); and
- for Save Transactions, the difference between average daily balance for the current month and average daily balance for previous month ("Incremental Balance"), when the Save criteria is met ("Savings Date").
You shall be paid bonus interest in the month immediately following the Posting Date, Settlement Date, Inception Date, Disbursement Date and Savings Date, as the case may be.
You are entitled to bonus interest at the applicable bonus interest Rate for a 12-month period commencing from the Settlement Date, Inception Date and Disbursement Date, as the case may be.
For Spend Transactions, you are entitled to bonus interest only for the month in which you incur the minimum retail spend.
For Save Transactions, you are entitled to bonus interest for the month in which you increase the average daily balance from the previous month by the minimum amount.
You shall be entitled to bonus interest at the applicable bonus interest rate on the average daily balance and/or incremental balance in your Citi Wealth First Account, in accordance with the table below:
| Balance Tier | Citibanking | Citi Priority | Citigold | Citigold Private Client |
|---|---|---|---|---|
| Average Daily Balance; Incremental Balance |
First S$50,000 | First S$50,000 | First S$250,000 |
First S$500,000 |
For the purposes of determining your bonus interest entitlement under the Citi Wealth First Account, you must maintain the following minimum Total Relationship Balance (“TRB”):
- Citigold requirement: S$250,000
- Citigold Private Client requirement: S$1,500,000
If you do not fulfill the Citigold requirement or Citigold Private Client requirement above , your Qualifying average daily balance and Qualifying Incremental Balance shall be the first S$50,000 in your Citi Wealth First Account.
Total Relationship Balance is the sum of:
- the average daily balance of your checking, savings and deposit accounts,
- the average daily value of your investments, and
- all outstanding amount(s) payable on your secured loan accounts as of the date of your last statement.
Citibank's determination of 'TRB' will be conclusive.
For illustration, if you are a Citigold customer with TRB of S$260,000, you shall earn bonus interest on the first S$100,000 average daily balance and incremental balance. If you are a Citigold customer with TRB of S$200,000, you shall earn bonus interest on the first S$50,000 average daily balance and incremental balance.
Yes, you can. However, if you are the primary accountholder of more than one Citi Wealth First Account, you will be paid Spend, Invest, Protect, and Borrow bonus interest only for the first Citi Wealth First Account opened.
If you purchase a new eligible investment or insurance plan or take up a new eligible home loan, the bonus interest payout for investment, insurance, or home loan (as the case may be) will restart from Month 1, and you will enjoy bonus interest for a period of 12 months.
Accredited Investor
An Accredited Investor is an individual who meets the requirements set out under the Securities and Futures Act, 2001 of Singapore and opts in to be treated as an Accredited Investor by the bank. To qualify, the individual will need to fulfil one of the following criteria below:
- Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency). Applies to primary account holder.
*Subject to meeting Accredited Investor eligibility criteria. Visit www.citibank.com.sg/AccdInv for details on eligibility criteria and for more information about opting in as an Accredited Investor.
Terms and Conditions
*To be eligible for the S$6,685* Citigold welcome rewards, you will have to fulfill all of the following criteria:-
- Successfully establish a Citigold relationship with S$800,000 in Fresh Funds,
- Maintain a valid Investment Risk Profile and complete the Fact Find Report by end of Welcome Period,
- Sign up as an Accredited Investor (AI) on an individual basis in the capacity as a primary accountholder,
- Of the S$800,000 in Fresh Funds, invest and/or insure SS$550,000 before the end of the Welcome Period,
- Place $250,000 in a 3-month Time Deposit,
- Hold an eligible primary Citi Credit Card,
- Maintain the Citigold relationship up to point of reward fulfilment.
To be eligible for the S$40,110* Citigold Private Client welcome rewards, you will have to fulfill all of the following criteria:-
- Successfully establish a Citigold Private Client relationship with S$3,000,000 in Fresh Funds,
- Maintain a valid Investment Risk Profile and complete the Fact Find Report by end of Welcome Period,
- Sign up as an Accredited Investor (AI) on an individual basis in the capacity as a primary accountholder,
- Of the S$3,000,000 in Fresh Funds, invest and/or insure S$2,500,000 before the end of the Welcome Period,
- Place $500,000 in a 3-month Time Deposit,
- Hold an eligible primary Citi Credit Card.
- Maintain the Citigold Private Client relationship up to point of reward fulfilment.
1Click here for Citi New-to-Bank Welcome Programme 2025 terms and conditions.
2Click here Citigold Private Client for SGD Time Deposit terms and conditions.
3Click here for full Citi Wealth First Account terms and conditions.
4Citibank Online Brokerage Promotion applicable for a period of 180 days starting from day of brokerage account opening. Read full terms and conditions here.
5For details on Citigold preferential interest rates for SGD and USD time deposits, visit here.
6Annual fee waiver applies to one Citibank core credit card and one Citibank co-branded credit card excluding Citi Ultima Card and Citi Prestige Card, if the Eligible Customer maintains the Citigold relationship.
7Subject to meeting Accredited Investor eligibility criteria. Click here for details on eligibility criteria and for more information about signing up as an Accredited Investor.
8Terms and conditions for the Citi Prestige Card 162,500 Citi ThankYouSM Points Welcome Offer apply and is available at www.citibank.com.sg/pmrctc
Terms and conditions for the Citi Prestige benefits apply and is available at www.citibank.com.sg/prestigetnc
9Terms and conditions for the Citi Prestige Annual Fee Waiver apply and is available at www.citibank.com.sg/ctwafw
10Terms and conditions for the Complimentary Airport Lounge Access Promotion apply and is available at www.citibank.com.sg/ctwlounge
11Terms and conditions for the Additional Complimentary Golf Game Promotion apply and is available at www.citibank.com.sg/ctwgolf
12Terms and conditions for the Complimentary Points Transfer Promotion apply and is available at www.citibank.com.sg/ctwpt
13Applicable to Citigold Private Client customers with a minimum of S$1,500,000 in Assets Under Management, who are Accredited Investors and also Citi Prestige cardmembers.
14Terms and conditions for the Complimentary e-Trades Promotion apply and is available at www.citibank.com.sg/ctwtrade
15Terms and conditions for the Citi New-to-Bank New Funds Time Deposit Promotion, visit here
16Click here for Citigold SGD Time Deposit terms and conditions.
Accredited Investors are assumed to be better informed, and better able to access resources to protect their own interests and therefore require less regulatory protection. Investors who agree to be treated as accredited investors therefore forgo the benefit of certain regulatory safeguards. When the bank deals with Accredited Investors, Citibank is exempt from complying with certain requirements under the Financial Advisers Act, 2001 (“FAA”) of Singapore and the Securities and Futures Act, 2001 of Singapore, and related regulations, notices and guidelines that are meant to provide regulatory safeguards to retail clients. This includes, but is not limited to, a number of business conduct requirements such as Disclosure of Product Information (Section 34 of FAA), Reasonable Basis for Investment Recommendation (Section 36 of FAA), and Disclosure of Certain Interests in Securities (Section 45 of FAA), and which sections client cannot rely upon in relation to any civil claim against Citibank or a Citigroup company. Investors should consult a professional adviser if they do not understand any consequence of being treated as an accredited investor.
As an Accredited Investor, client is responsible for any and all suitability and reasonableness decisions on investments, including any advice on product suitability received from Citibank. Learn more about the effect of being treated as an Accredited Investor at www.citibank.com.sg/AccdInv Schedule 2.
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.
Disclaimer
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.
Forrester does not endorse any company, product, brand, or service included in its research publications and does not advise any person to select the products or services of any company or brand based on the ratings included in such publications. Information is based on the best available resources. Opinions reflect judgment at the time and are subject to change. For more information, read about Forrester’s objectivity here.
Citibank full disclaimers, terms and conditions apply to individual products and banking services.
Citibank is currently located at 3 Changi Business Park Crescent, Singapore 486026.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
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