You are new to Citigold if you do not have an existing current/savings account with us.
when you deposit fresh funds, complete your Investment Risk Profile and Fact Find report with your relationship manager
|S$450||fund in amount of ≥ S$250,000|
|S$700||fund in amount of ≥ S$350,000|
|S$1,050||fund in amount of ≥ S$500,000|
|S$1,600||fund in amount of ≥ S$750,000|
#minimum of S$250,000 fresh funds
Exclusive rates on SGD time deposits with minimum fresh funds of S$10,000
|Up to 4.00% p.a.+||on a 3-month SGD Time Deposit+|
|Up to 3.48% p.a.+||on a 6-month SGD Time Deposit+|
*Terms and Conditions apply. Insured up to S$75K by SDIC.
Click here for full terms and conditions.
with a Citi Credit Card
with a Citibank Mortgage
When you invest and/or insure with Citi
|S$650||Total investment/insurance purchases ≥ S$70,000|
|S$2,500||Total investment/insurance purchases ≥ S$250,000|
|S$5,400||Total investment/insurance purchases ≥ S$500,000|
|S$11,000||Total investment/insurance purchases ≥ S$1,000,000|
|S$24,000||Total investment/insurance purchases ≥ S$2,000,000|
|S$37,000||Total investment/insurance purchases ≥ S$3,000,000|
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 to achieve your wealth goals.
Earn higher interest and save more with every action
Partner with a dedicated Relationship Manager over the long term, supported by our wider team of experts to assist you to reach your goals.
Grow and protect what you love, with our full suite of investment and insurance solutions, tailored to suit you and your family. Our Total Wealth Advisor offers end-to-end solutions that will always keep you in control
Make better informed decisions with an in-depth understanding of markets, trends and opportunities, with round-the-clock market insights from 350+ analysts worldwide
You will earn up to 7.51% p.a. bonus interest on your Citi Wealth First Account if you have:
You will earn bonus interest on the Citi Wealth First Account if you have:
What is the bonus interest for each Qualifying Transaction Category?
The bonus interest applicable for each Qualifying Transaction Category is as follows:
Can I earn bonus interest on my Citi Wealth First Account if I only spend and invest?
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.
What are the eligible investment purchases to earn Invest Bonus Interest?
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:
What are the eligible insurance purchases to earn Protect Bonus Interest?
You will need to purchase a single premium insurance of at least S$50,000, or multiple single premium insurance policies with aggregate premiums of at least S$50,000 in a month. Insurance policies purchased or paid for using Central Provident Fund Savings or Supplementary Retirement Schemes are excluded.
To remain eligible for bonus interest for Insurance Transactions, you must not cancel your insurance policy during the free-look period.
How is my bonus interest being calculated?
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:
When and for how long will the bonus interest be credited into my Citi Wealth First Account?
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.
Will the bonus interest be applied to the entire balance in my Citi Wealth First Account?
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$100,000||First S$150,000|
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”):
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:
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.
Can I open more than one Citi Wealth First Account?
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.
What happens to my bonus interest if I purchase a new investment or insurance plan, or take up a new home loan within 12 months period?
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.
^To be eligible for the S$16,855 welcome rewards, you will need to fulfil all of the following criteria:
- Successfully establish a Citigold relationship with S$850,000 in Fresh Funds (excluding time deposits), and complete Investment Risk Profile and Fact Find Report
- Of the S$850,000 in Fresh Funds, invest S$500,000 and take up an insurance of S$250,000, from Enrolment Month to end of Qualifying Period
- Maintain S$100,000 in Citi Wealth First Account, spend S$250 monthly on your Citibank Debit Mastercard and save S$3,000 monthly for 12 months from time of establishing Citigold relationship
- Hold a valid Primary/main Citi Credit Card
- Take up a new home loan with Citi of at least S$800,000
- Maintain the Citigold relationship for 12 months
Find out more about Citi New-to-Bank Base Reward Promotion,Citi New-to-Bank Additional Base Reward Promotion,Citi New-to-Bank Bonus Reward Promotion, and the Citi-AIA Booster Rewards Promotion.
The products and services mentioned in this document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK, Brazil and New Zealand. This webpage 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. This advertisement has not been reviewed by the Monetary Authority of Singapore
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.
Citibank full disclaimers, terms and conditions apply to individual products and banking services.