when you deposit fresh funds of min. S$250,000 into your Citi Wealth First Account
on a 3-month SGD
on a 6-month SGD
Embark on your holistic wealth journey with Citi to meet your financial goals.
Apply for a bank account and a credit card with one seamless application, and enjoy exclusive welcome rewards when you start now.
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.
6-month commission-free buy trades online for U.S. and Hong Kong markets5
Preferential interest rates for SGD and USD time deposits, investment, and insurance time deposit bundle6
Stand to win S$50 GrabGifts vouchers7 when you perform FX conversions through Citi eFX or Citibank Global Wallet
Enjoy annual fee waiver on your Citi Credit Cards8
Your Relationship Manager and team of experts will be at hand to help you achieve your financial goals
Seize opportunities with market insights from 350+ analysts worldwide
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
Enjoy access to global banking and lifestyle privileges, travel benefits and by-invitation-only events and experiences
Protect and build your wealth with our full suite of investment and insurance products
Enjoy zero foreign transaction or currency conversion fees in over 150 currencies with Citibank Global wallet when you pay with your Citigold Debit Mastercard
At Citigold, we believe your life's value is not fully captured by your financial worth.
Your passions, your relationships with the people close to your heart and the legacy you aspire to leave behind are all priceless things that give meaning to your life and ultimately define your true worth. It’s perspectives such as these that inspire us to constantly broaden our understanding of what truly enriches your life and guides us as your wealth partner.
Meet Belinda Lee, a star of the screen and of the community who defines her true worth through the unbreakable bonds she builds with the people around her and the difference she makes in their lives.
As a conservation biologist, Dr Jessica Lee fights to protect Asia’s birdlife and their habitats. She sees her true worth in her legacy as a protector of our fragile ecosystems.
4 incredible days in London, 3 stunning nights, 2 lucky people, 1 football experience of a lifetime.
Stand a chance to win a 4-day, 3-night all-inclusive trip to watch the UEFA Champions League Final 2024*. Every S$1,000 you spend on your Citi Credit Mastercard®, from 15 November 2023 to 31 January 2024 gives you 1 chance in the Draw.
Tickets courtesy of Mastercard, Official Sponsor of the UEFA Champions League.
Enrol now via Citi Mobile® App. *T&Cs apply.
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.
For new Citi Customers with Singpass
For new Citi Customers without Singpass
For existing Citi Credit Cardholders and/or other Existing Citibank customers
You will earn up to 7.51% p.a. bonus interest on your 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:
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:
|Citigold Private Client
|Average Daily Balance; Incremental Balance
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”):
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.
*Click here for full Citi Wealth First Account terms and conditions
1Click here Citi New-to-Bank Fresh Funds Programme 2024 terms and conditions
2Click here for SGD Time Deposit terms and conditions
3Click here for Citi New-to-Bank Welcome Programme 2024 terms and conditions
4Click here for Citi New-to-Bank Wealth Booster Promotion 2024 terms and conditions
5For Citibank Online Brokerage Promotion Terms and Conditions, visit here
6For details on Citigold preferential interest rates for SGD and USD time deposits, visit here
7For Citi Online Foreign Exchange Reward Promotion Terms and Conditions, visit here
8Annual 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.
The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.
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$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.
Citibank is currently located at 3 Changi Business Park Crescent, Singapore 486026.