Hold up to 10 currencies in this account with one linked debit card, and receive foreign currencies for free.
Hold up to 10 currencies in the one account
Avoid international transaction fees and international ATM fees
Receive money in up to 10 currencies for free using local account details


Hold up to 10 currencies

You can hold up to 10 different currencies in the one account, including AUD, USD, EUR, SGD, NZD, JPY GBP, CAD, HKD and CHF. You can load your account with these currencies when the exchange rate is in your favour.

Receive international bank account details

You’ll receive individual bank account details for up to 10 currencies held in the account, so you can receive money in those currencies. It’s like having a local bank account in those countries.

Linked Citibank debit card

This account comes with a linked debit card which you can use in-store or online all around the world. Although you can have up to 10 different bank account details, it’s all linked to the one debit card.

Use for everyday spending in Australia

This account isn’t just for international business and travel. You can also use it as your regular everyday transaction account in Australia. Use the linked debit card to make daily purchases in store or online, or pay your bills as you would with a standard bank account.

Use your debit card to pay like a local overseas

Simply set your default transaction currency to the local currency in the country you’re in, and use your debit card like a local with no foreign exchange fees. Make sure you remember to set your correct default currency via the Citi mobile app.

No international ATM fees

Because you already have the foreign currency in your account, when you’re in a country that uses that currency you can withdraw money at ATMs with no fees. However, make sure your debit card is linked to the correct currency before using the ATM, otherwise a 2.5% foreign exchange fee applies.

No international transaction fees when shopping online

If you’re shopping online on a US site, you can set your debit card transaction currency to USD to pay no international transaction fees.

Access competitive exchange rates

You can load different currencies into the account when the exchange rates are favourable, or convert foreign currency back into AUD when the Australian dollar is strong.

If a foreign currency is deposited into your AUD account, Citi will apply the current Citi exchange rate to the conversion.

Earn up to 2.25% interest on your AUD balance

If your AUD balance is between $100,000 and $249,999.99 you’ll receive 1.50% p.a interest on your funds. Balances in AUD that are higher than $250,000 will earn 2.25% p.a.

$0 monthly account keeping fee

There’s an $0 monthly account service fee for this account.

Citi mobile app available

Manage your money on the go and keep track of your transactions using the Citi mobile app. Use the app to instantly switch between transaction currencies when you’re hopping between countries.
Earn up to 2.25% p.a. interest on your AUD balance

plus Apple Pay 🙂 Note: Apple Pay is currently only available for Credit cards.