Protect and Grow Your Wealth with Citigold Wealth Management ProductsProtect and Grow Your Wealth with Citigold Wealth Management Products

Citigold Wealth Management Products

From helping you build your wealth to protecting your assets, our comprehensive suite of world-class products offers solutions for every wealth management objective.
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At Citigold, we understand that wealth comes with great responsibility. Our wealth management services are designed to help you build, manage and protect your wealth, providing you with end-to-end financial planning services to guide your wealth in the right direction.

Get tailor made investment solutions from a suite of products and services to suit your needs and wealth goals. These consolidated wealth management will help you unlock the limitless possibilities that your wealth holds. Our team of wealth specialists will work closely with you to ensure that your wealth meets its full potential.

Explore the Wealth Management Products offered by Citi

LIQUID ASSETS

Liquid Assets

A savings account that helps you grow your wealth by rewarding you for your banking and wealth relationship. Earn up to 7.51% p.a. interest on savings by simply performing your usual banking activities with Citi. T&Cs apply.

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Click here for full Citi Wealth First Account terms and conditions

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

  • A base interest rate of 0.01% will be paid on your Average Daily Balance
  • No minimum balance is required
  • Bonus interest rate will be paid on the first S$70,000 of your MaxiGain account

Please click for the revised Terms and Conditions and FAQ.

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

Diversify your cash holdings into a broader range of foreign currencies.

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  • Enjoy maximum liquidity with tenures from a week to a year, or even an overnight deposit
  • Choose from more than nine world currencies
  • Switch freely between currencies without any penalty
Foreign Currency Time Deposit

Foreign currency investments are subject to rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls may be applicable from time to time to certain foreign currencies.

You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk tolerance level.

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

  • Keep track of your money with consolidated monthly statements
  • Withdraw money at over 1.4 million Citibank and shared ATMs worldwide
  • Enjoy free checking facility
Citibank MaxiSave Account

This account is not applicable to corporations, companies, firms and sole proprietorships. A Citibank Account Service Fee is levied on balances below a minimum combined amount in your current and savings account, deposits, investments and loans.

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

Enjoy competitive interest rates and flexible tenures from one week to 36 months.

If you currently hold a transactional or savings account with Citibank, you can simply transfer funds to your Citibank Singapore Dollar Time Deposit or Citibank Singapore Dollar Unfixed Deposit via our 24-Hour Citigold Hotline at (+65) 6225-5226(+65) 6225-5226 or at any Citibank ATM.

Alternatively, you may also personally deposit cash, cheques or bank drafts at any Citibank branch.

  • Enjoy automatic renewal of your deposit upon maturity
  • Earn higher returns on compounded interest
Singapore Dollar Time Deposit and Singapore Dollar Unfixed Deposit

All rates are subject to change and vary according to tenure and deposit amount. Rates are available only for individuals.

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

The Citigold Debit Mastercard gives you the convenience you need, with exclusive privileges. With it, you can access cash and make purchases both locally and globally.

Enjoy a suite of worldwide privileges whenever you use your Citigold Debit Mastercard.

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  • Access multiple different foreign currencies, for payments and withdrawals at Citibank ATMs overseas at no additional conversion fee. Click here to learn more.
  • Shop online with peace of mind, knowing your online purchases are protected against non-fulfillment of services and card fraud.
  • Make everyday purchases quickly and safely at millions of merchants globally.
  • Speed through the checkout process with your contactless-enabled Debit Mastercard or mobile phone via Citi Pay®/Samsung Pay.
  • Enjoy fee-free cash withdrawals from any ATMs around the world. Use your Citigold Debit Mastercard® to withdraw cash from any ATM that accepts Mastercard®.
  • If you need emergency cash while travelling, you can visit any of our Citigold Centres and withdraw up to USD 10,000 instantly from your account.
  • Track and manage your account securely with Citibank Online and Citi Mobile® App.

^ A fee may be incurred.

In addition to ATM withdrawal functions, your Debit Card also allows you to sign for local and overseas purchases, perform contactless payment via Mastercard Contactless (including through the use of digital wallets like Citi Pay and Samsung Pay) and card-not-present transactions (such as mail and phone orders) (collectively ,”Debit Card Transactions”) which shall be paid for by directly deducting the transaction amount from your primary bank account. If your Debit Card is tagged to a Foreign Currency Account as your primary bank account or if you make cash withdrawals from your Foreign Currency Account, where the Debit Card Transaction and/or cash withdrawal is in a different currency from the Foreign Currency Account, please note that the Debit Card Transaction/ cash withdrawal will be subject to an administrative fee of up to 2.5% on the converted amount, or such other rate as determined and notified to you.

Your Debit Card therefore carries the risk of unauthorized signature-based, contactless payment or card not-present transactions. Please note that the default daily limit for these types of Debit Card Transactions is S$2,000 unless revised by you. For clarity, this limit is shared between the Debit Card Transactions that you are permitted to effect using your Debit Card. You may choose to increase or decrease this limit upon activation.

In addition, because the magnetic stripe of your Debit Card contains sensitive payment card data, double swiping the magnetic stripe of your Debit Card on Point-of-Sale readers or Electronic Cash Registers may expose it to skimming and/or cloning and hence theft of your sensitive payment card data. To protect your information from being skimmed and/or cloned, it is recommended that the magnetic stripe of your Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.

* No overseas cash withdrawal processing fee from Citibank ATMs for customers using Citibank ATM / Debit Cards to withdraw cash from a Citibank Checking or Savings Account. Standard foreign currency exchange rates apply.

The use and retention of your Citigold Debit Mastercard is subject to the terms and conditions as set out in the Citibank Singapore Global Consumer Banking Terms and Conditions which can be found at www.citibank.com.sg.

SHORT TERM INVESTMENTS

Short Term Investments

Citibank Foreign Currency Trading Account offers you a trading line of up to 10 times of your Pledged Assets with us. With this account, you can take advantage of short-term foreign exchange movements or hedge against foreign exchange exposures.

Citibank Currency Trading Account

(Subject to a maximum trading line of US$10 million or equivalent)

The risk of loss in leveraged foreign exchange trading may be substantial. You may sustain loss in excess of your initial margin funds. Placing contingent orders, such as "stop-loss" or "stop-limit" orders will not necessarily limit losses to the intended amounts. Market conditions may make it impossible to execute such orders, and you may be called upon at short notice to deposit additional margin funds. If the required funds are not provided within the prescribed time, your position may be liquidated. You shall remain liable for any resulting deficit in your account. You should therefore carefully consider whether such trading is suitable in the light of your investment objectives, your financial means and your risk profile. (This product is not available to US Persons.)

This dual-currency account provides potentially higher returns than a traditional time deposit by taking advantage of currency exchange rate movements via the sale of a currency option. A part or all of the higher interest earned on this investment represents the premium received on this option.

Citibank Premium Account

By investing in a Citibank Premium Account, you are allowing the bank to repay you at a future date in an alternate currency that is different from the currency in which your initial investment was made, regardless of whether you wish to be repaid in this currency at that time.

A Premium Account is unlike a traditional bank account as it is an investment and returns may vary. Premium Account is subject to a number of risks. A Premium Account is an investment in one or more foreign currencies. It is subject to foreign exchange rate fluctuations, which may provide both opportunities and risks. You may experience a loss when you convert any alternate currency into the base currency.

The higher rate of interest you may earn in the Premium Account as compared to a traditional time deposit may not compensate you for the foreign exchange loss. The Premium Account is not an insured product under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investment and Treasury products are not available to US persons.

Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers may assist you with information on any exchange controls that are relevant to the currencies in which you invest. You should note that a Premium Account is an investment product that should be held to maturity. Early withdrawal of a part of a Premium Account prior to the maturity date is not permitted. Early withdrawal of the whole of a Premium Account is permitted but strongly discouraged, because you will have to pay early termination charges and these charges will be deducted from the amount repaid under the Premium Account. As a result, the amount repaid to you may be less than the principal amount. If you wish to terminate your Premium Account prior to maturity, please contact the Bank.

The Bank may, at any time at its discretion, terminate the Premium Account. This may happen, for example, if restrictions on convertibility and transferability become applicable to any of the currency in your Premium Account. In such cases, payment to you may be made in the alternate currency or another currency chosen by the Bank. You may incur a loss on the principal amount in such cases.

You should obtain the advice of a licensed or an exempt financial advisor before making a commitment to enter into a Premium Account transaction. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether a Premium Account is suitable for you in light of your investment objectives, your financial means and your risk profile. For more information on a Premium Account, you should also carefully read the terms and conditions of the Premium Account.

A Citibank Gold Account helps you diversify your portfolio as its price tends to move independently of other investments and key economic indicators.

To open your Citibank Gold Account, simply purchase a minimum value of US$25,000 or equivalent.

  • Offers potential reduction in the overall risk of your portfolio
  • Serves as a great tool to hedge against inflation
  • Offers a "safe haven" in times of financial, economic and social turmoil
Citibank Gold Account

A Citibank Gold Account is a non-interest bearing account. There is no physical delivery of Gold and no physical deposit or withdrawal of Gold is permitted.

Investments in gold are subject to price fluctuations which may provide both opportunities and risks. There is no yield or interest generated and a loss may be incurred due to fluctuations in its price. Physical delivery of gold, or physical deposit or withdrawal and wire transfer of gold to and from the gold account is not permitted. You should therefore determine whether any gold investment is suitable for you in the light of your investment objectives, your financial means and your risk profile.

Investments in gold are not insured products under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.

Investment products including Gold Accounts, Premium Account with Gold, and gold trading are not available to U.S. persons and may not be available in all jurisdictions. Citibank Singapore Limited is acting as principal in buying or selling the gold in your Gold Account.

This premium trading service provides you easy, instant access to the US, Hong Kong and Singapore markets, allowing you to seize trading opportunities as you spot them.

To open your Citibank Brokerage Account, please contact your Citigold Relationship Manager or click here.

  • Make trading decisions with access to market and company news
  • Receive real-time news and quote updates
  • Trade easily through Citibank Online or our Phone Traders
Securities

Securities investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. The price of securities can and does fluctuate, sometimes dramatically, and any individual security may experience upward or downward movements, and may even become valueless. Therefore it is as likely that losses will be incurred rather than profit made as a result of buying and selling securities. This is the risk that customers should be prepared to accept. Investors investing in securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Citibank is not recommending the Citibank Brokerage Account or giving any advice in relation to customers' securities investments. Customers will take complete responsibility for any losses resulting from their trading strategy. Investment products are: Not Bank Deposits. Not Bank Guaranteed. May Lose Value. Not Insured By Any Government Agency. Not subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investment and Treasury products are not available to US persons.

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

LONG TERM INVESTMENTS

Long Term Investments

Comprising a mix of securities such as stocks, bonds and futures, our wide range of investment fund portfolios is professionally managed by the world's leading names in fund management.

Aberdeen Standard Investments

AllianceBernstein Singapore Limited

Allianz Global Investors

Amundi Singapore Limited

Ashmore Investment Management

BlackRock (Singapore) Limited

BNP Paribas Investment Partners

BNY Mellon

China AMC

Citigroup First Investment Management

DWS Investments Singapore Limited

Eastspring Investments

Fidelity International

First Sentier Investors

GAM

Goldman Sachs Asset Management

Janus Henderson

Invesco Asset Management Asia Limited

JPMorgan Asset Management

Jupiter Asset Management

Manulife Asset Management

Pictet

PIMCO

Schroder Investment Management

Franklin Templeton Investments

Columbia Threadneedle Investments

UBS Global Asset Management

UOB Asset Management

Value Partners Asset Management

Unit Trusts

Investment products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc., or any of their affiliates or subsidiaries and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such a document or make any offer or solicitation.

Investment products are: Not Bank Deposits. Not Bank Guaranteed. May Lose Value. Not Insured By Any Government Agency. Not subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investment and Treasury products are not available to US persons.

All applications for units in the unit trusts must be made on the application forms accompanying the prospectus, which are available from Citibank branches. Investors should read the prospectus before deciding whether to invest in units in the unit trusts.

Achieve your long-term investment goals with our high-quality Fixed Income Securities such as bonds and structured notes.
  • Receive more predictable returns on your investments
  • Enjoy the assurance of lower risk potential as compared to equity investments
Fixed Income Securities (Bonds and Structured Notes)
Bonds:

Bonds are debt instruments issued by the Government, Government Agencies, supranational agencies or corporations. Bonds may pay a regular (monthly, quarterly, semi-annual or annual) fixed rate of interest, a variable rate of interest or no interest over the life of the bond, with tenures ranging from a year to as long as 30 years.

Structured Notes:

Structured Notes link the market value of, or coupon payments on, securities to a wide range of financial instruments including market interest rates, equities, indices, credit markets or even a combination of these instruments. Investments in Structured Notes are available in various tenures, denominations, and currencies, and may or may not return 100% of principal invested at maturity.

Fixed Income Securities are obligations only of the issuer. Unless otherwise stated, they are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citibank, N.A., Citigroup, Inc. or any of its affiliates or subsidiaries (except in the case that Citigroup Inc., or any of its affiliates or subsidiaries is the issuer,) and are subject to investment risks, including the possible loss of the principal amount invested. These Fixed Income Securities are not insured products under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. Investors investing in Fixed Income Securities denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Exchange controls may be applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile.

This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorised or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Citibank Singapore Limited acts as the Bondholder's agent/principal in the purchase or sale of bonds/notes, as applicable.

Investment and Treasury products are not available to US persons.

Structured product transactions are complex and an investment in a structured product may involve a high risk of loss on your initial investment. Prior to entering into a transaction, you should ensure that you understand the nature of all of the risks associated with the investment in order to determine whether the investment is suitable for you in light of your experience, objectives, financial position and other relevant circumstances. You should consult with your legal, regulatory, tax, financial and/or accounting advisors to the extent you consider it necessary in making your own investment decision. In the event that you choose not to seek advice from a financial advisor, you should carefully consider whether this product is suitable for you in light of your investment objectives, financial means and risk profile.

Citibank Portfolio Finance

Citibank Portfolio Finance

HOME FINANCE

Home Finance

Take your pick from the wide variety of interest rate packages – from Compounded SORA link variable rate to fixed rate packages. You can also earn interest adjustment of up to 50% of the effective home loan interest rate with your linked Checking Account.
  • Save on home loan interest payments with the interest adjustment feature
  • Able to customize your interest rate package
  • Enjoy on-demand access to our dedicated Mortgage Client Care team at (+65) 6238-8838 (+65) 6238-8838

INSURANCE

Insurance

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The insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA") and distributed by Citibank Singapore Limited. All insurance applications are subject to AIA’s underwriting and acceptance. This is only general product information provided and is not a contract of insurance. The information provided must be read with, and is subject to, all the terms and conditions and exclusions contained in the policy contract. These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association Of Singapore (GIA)/ Life Insurance Association (LIA) or SDIC web-sites (http://www.gia.org.sg or http://www.lia.org.sg or www.sdic.org.sg). Please refer to full disclaimers applicable to relevant product(s) and/or service(s).

 

 

Disclaimer

The promotions, products and services mentioned are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The information herein 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 herein to such individuals.

This advertisement has not been reviewed by the Monetary Authority of Singapore.