CITIBANK SINGAPORE

NEW CITIGOLD CUSTOMER

Start your bespoke wealth experience now
and enjoy exclusive welcome rewards with Citigold.

You are new to Citigold if you do not have an existing current/savings account with us.

Exclusive Welcome Rewards

Fresh Funds Reward1
Up to
S$11,000

when you deposit fresh funds of min. S$250,000 into your Citi Wealth First Account

OR
Preferential Time Deposit rates2
Up to
3.60% p.a.

on a 3-month SGD
Time Deposit

Up to
3.20% p.a.

on a 6-month SGD
Time Deposit

Wealth Starter Reward3
S$100

PLUS
LIMITED TIME OFFER
Wealth Booster Reward4
S$138
when you successfully complete Investment Risk Profile and Fact Find Report with your Relationship Manager and/or Insurance Specialist
Earn additional cash rewards when you:
Hold a Citi
Credit Card3
S$300
Take up a
Citi Home Loan3
S$500
Make S$100,0003 of investments and/or insurance purchase
with Citi
S$600
Maintain Citigold
relationship for 12 months3
S$960
Enjoy welcome rewards worth up to S$13,865, with additional S$138
Wealth Booster4
When you deposit S$800,000 fresh funds into your Citi Wealth First Account.
S$1,750
When you purchase S$700,000 of investments and/or insurance.
S$4,200
When you successfully complete your Investment Risk Profile and Fact Find Report.
S$100
When you hold an eligible Citi Credit Card, take up a Citi Home Loan and maintain your Citigold relationship for 12 months.
S$1,760
When you place S$100,000 in fresh funds, spend S$300 monthly on your Debit Card, increase the monthly average daily balance from the previous month by >S$3,000, take up a home loan, and hold investment/insurance.
S$6,055
Total Rewards
Up to
S$13,865
Wealth Booster Reward
S$138
See the amount of rewards you can enjoy with the following:
T&Cs apply. Click for more details.

Your Wealth Journey begins here this Lunar New Year

Usher in a year of abundance with up to S$13,865* welcome rewards plus S$138* wealth booster when you join Citigold.
*T&Cs apply.


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.

Now, you can enjoy the combined benefits of

Citi Wealth First Account

Enjoy up to 7.51%* p.a. interest on your savings with the Citi Wealth First Account

&

Savings made even more rewarding
with 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 to achieve your wealth goals.

Earn higher interest and save more with every action

Spend and earn
1.5% p.a.
Invest and earn
1.5% p.a.
Insure and earn
1.5% p.a.
Borrow and earn
1.5% p.a.
Save and earn
1.5% p.a.
 
Base interest
0.01% p.a.
 
Tap to find out more

Enjoy exclusive offers and privileges as a Citigold client

E-Brokerage

6-month commission-free buy trades online for U.S. and Hong Kong markets5

Time Deposit Preferential Rates

Preferential interest rates for SGD and USD time deposits, investment, and insurance time deposit bundle6

eFX

Stand to win S$50 GrabGifts vouchers7 when you perform FX conversions through Citi eFX or Citibank Global Wallet

Card Fee Waivers

Enjoy annual fee waiver on your Citi Credit Cards8

Benefit from our holistic advisory on your wealth journey

Team of Experts

Your Relationship Manager and team of experts will be at hand to help you achieve your financial goals

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 Privileges

Enjoy access to global banking and lifestyle privileges, travel benefits and by-invitation-only events and experiences

Wealth Solutions

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

Win the experience of a lifetime for football fans

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.

Learn More

Frequently Asked Questions
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
  1. 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;
  2. 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;
  3. 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;
  4. A new home loan (excluding interest offset home loans) of at least S$500,000 or;
  5. 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:

  1. Spend - 1.5% p.a.
  2. Invest - 1.5% p.a. for 12 months;
  3. Protect - 1.5% p.a. for 12 months;
  4. Borrow - 1.5% p.a. for 12 months;
  5. 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:

  1. Money market funds;
  2. Investments using Central Provident Fund Savings or Supplementary Retirement Schemes;
  3. Investment transactions that are back valued to such date that is beyond the current calendar month;
  4. Securities trading;
  5. Currency investments (Premium Account, Leveraged Trading Account, Citibank Currency Trading Account); and Gold Account.
  6. 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:

  1. for Spend Transactions, the daily balance in your account for the calendar month in which the minimum debit card spend is incurred ("Posting Date");
  2. for Investment Transactions, the daily balance in your account for the 12-month period commencing from the settlement date ("Settlement Date");
  3. for Insurance Transactions, the daily balance in your account for the 12-month period commencing from the policy inception date ("Inception Date");
  4. for Home Loan Transactions, the daily balance in your account for the 12-month period commencing from the loan disbursement date ("Disbursement Date"); and
  5. 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$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”):

  1. Citigold requirement: S$250,000
  2. 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:

  1. the average daily balance of your checking, savings and deposit accounts,
  2. the average daily value of your investments, and
  3. 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.

Terms and Conditions

*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.

Enjoy welcome rewards worth up to S$13,865^ plus S$138 Wealth Booster^ when you join Citigold. ^T&Cs apply.