Live A Multi-Currency Life Live A Multi-Currency Life A customer buying bakery items

Multi-currency feature on
Citigold Debit Mastercard®

Access up to 9 different foreign currencies^ with Citigold Debit Mastercard, for payments and ATM withdrawals overseas at no additional conversion fee. You will also enjoy attractive exchange rates for your foreign currency conversions on Citi online Foreign Exchange (eFX).

Citigold client purchasing foreign currencies online at preferred rates

Purchase foreign currencies at your preferred rates

Save the hassle of searching for the best exchange rates with real-time alerts, or have currencies auto-purchased when markets hit your preferred rates with Citi eFX. Enjoy the convenience of purchasing currencies on-the-go.

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Citigold card being safely and conveniently used for payment

Safe and convenient

Avoid carrying bulky cash whenever you travel with this safe and convenient way of paying through your Citigold Debit Mastercard. Choose to also pay in the preferred foreign currency when you shop online globally.

Citigold card being used at ATM

Access cash anytime overseas

Enjoy ATM withdrawals overseas at no foreign exchange conversion fee and administrative charge, at all Citi ATMs worldwide.

Citigold client tracking her account online

Track your account on the go

Stay updated with your latest transactions wherever you are, with Citibank Online and Citi Mobile® App.

A lady enjoying holiday

Exclusive Citigold Debit Mastercard Privileges

Gain access to exclusive social events and a host of lifestyle privileges tailored for you and your family.

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Purchase foreign currencies on Citi eFX

Purchase foreign currencies on Citi eFX

Simply log in to Citibank Online or Citi Mobile® App to access Citi eFX. Purchase foreign currencies at live market rates, or have them automatically purchased at your preferred rates.

*Tip: Set your target exchange rates on Citi eFX and be notified via SMS or email alerts when the rates are met.

Link your preferred currency to your Citigold Debit Mastercard

Link your preferred currency to your Citigold Debit Mastercard

Select your choice of currency# (eg. USD) from your Foreign Currency Account and link to your Citigold Debit Mastercard by calling our 24-Hour Citigold Priority Hotline at +65 6323 3200+65 6323 3200.

For travels, ensure your card is activated for overseas usage.

Transact anytime, anywhere

Transact anytime, anywhere

You are now ready to make purchases or withdrawals in your chosen currency, at no foreign currency conversion fee and administrative charge.

Re-link your Citigold Debit Mastercard to a different currency

Re-link your Citigold Debit Mastercard to a different currency

Call our 24-Hour Citigold Priority Hotline at +65 6323 3200+65 6323 3200 to link your Citigold Debit Mastercard to a different currency# (eg. SGD) after your overseas transaction or travels.

You can easily keep track of all your transactions performed on Citibank Online or Citi Mobile.

You will not incur any foreign currency conversion fees for your point-of-sale, online purchases and overseas cash withdrawals as the amount will be debited directly from your Foreign Currency Account.

You may do so by calling our 24-Hour Citigold Priority Hotline at +65 6323 3200+65 6323 3200. Do ensure that your card is activated for overseas usage before transacting or travel.

Remember to re-link your debit card immediately to a different currency# (i.e. SGD) after your overseas transactions or travels.

You may incur foreign currency conversion fees for transactions performed in your home country/ local currency if you do not revert your primary account to your preferred SGD account after use or travel.

Your transaction will be declined.

No, this feature is only applicable for point-of-sale, e-commerce and withdrawal transactions.

Your daily transaction limit is set at S$2,000 or equivalent in foreign currency at the prevailing exchange rate on the day the spending in foreign currency is made.

Important information pertaining to the use of your Citigold Debit Mastercard

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 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.

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 replacement card: if you had previously revised your old Debit Card's daily limit, your new Debit Card daily limit remains the same as your existing daily limit of your old card or the available balance in your primary bank account, whichever is lower. 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 Citigold Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.

Debit cards are similar to ATM cards. You can use your debit card with your personal identification number (PIN) to withdraw cash from ATMs. You can use it to purchase goods and services. For purchases made on debit cards, the purchase amount is immediately deducted from your bank account. You can spend only the amount in your account. Make sure your card is safe at all times.

Your debit card carries the Mastercard branding which allows you to perform signature-based Point-Of-Sale (POS) transactions. While this may seem similar to credit cards, do note that when you use credit cards, you are paying on credit. But when you use a debit card, the purchase amount or withdrawal is deducted immediately and directly from your account.

Although the Mastercard that you have received is a chip card it also has the magnetic stripe for overseas use. While chip technology can reduce the risks of cloning, the magnetic stripe portion of the debit card can still be cloned. As debit cards allow customers to sign off on the receipt, there is also a risk of forgery.

Some merchants allow you to make transactions below a certain value without the need to sign off on the transaction receipt. Do ask the merchant for a receipt of the transaction to ensure the correct amount is deducted. If the wrong payment amount is deducted, please contact Citibank immediately.

Your debit card details (such as name, account number, expiry date etc.) may be captured by fraudsters either through skimming or via intercepted online transactions. Fraudsters will then be able to use such information to clone a card or perform fraudulent card-not-present transactions (such as online or mail-order-telephone-order (MOTO) transactions).

However, for online purchases with merchants whose websites are enabled with the 3D Secure Technology, you will be asked to enter a One-Time Password before you can complete the transaction. This helps to protect you against online fraud and is a secure way to authenticate that you are making the purchase as the rightful owner of the debit card being used. Inform Citibank immediately if you have received a One-Time Password (OTP) but you did not make the transaction.

If you lose your debit card, inform Citibank immediately. If your card is stolen, make a police report and inform Citibank immediately.

Once you report the loss, your maximum liability for unauthorised charges prior to reporting the loss to Citibank will be capped at $100. This cap applies provided you have not acted fraudulently, or were not grossly negligent, or did not fail to inform Citibank as soon as reasonably practicable after you became aware that the card was lost or stolen.

  • Never leave your debit card or documents containing its details lying around.
  • Sign the back of your debit card with permanent ink as soon as you receive it.
  • Safeguard your card details. Do not disclose your personal identification number (PIN) for cash withdrawals to anyone. Memorise your PIN and destroy the PIN mailer.
  • Only shop at reputable and legitimate merchants (including online stores). Do not perform online transactions using shared devices such as computers in cybercafes.
  • When you make small value transactions without the need to sign off on the receipt, ask the merchant for a receipt of the transaction to ensure the correct amount is deducted.
  • Check regularly that your cards are with you.
  • Call Citibank immediately if your card or card information is lost or stolen. Note the time and date when you do so.

For a comparison of ATM, Debit and Credit Cards, we urge you to visit MoneySense by clicking here.

^ Feature is only applicable to cardholders who link the relevant Citibank Foreign Currency Account(s) to their Citibank Debit Mastercard, and is subject to availability requirements.

# Subject to availability requirements.


Your Citigold Debit Card comes with a daily point of sales limit that is set at S$2,000. This limit is shared between signature-based, contactless payments (e.g. Mastercard® Contactless and payments made using digital wallets) and card not present transactions (including mail and phone orders). You may choose to increase/decrease this limit upon activation of your Citigold Debit Card. Notwithstanding the limit that you set, the limit on your Citigold Debit Card will remain subject to your available bank balance.

Where your Citigold Debit Card has Mastercard Card Transaction functionality enabled, you acknowledge and accept that the Citigold Debit Card carries risk of unauthorized signature-based, contactless payments (e.g. Mastercard® Contactless and other payments made using digital wallets) or card not present transactions.

Where we allow your Citigold Debit Card to be tagged to a Foreign Currency Account, foreign currency transactions and Cash Withdrawals will be directly authorized from the respective Foreign Currency Account in the foreign currency directly provided that that there are sufficient funds in the relevant foreign currency. In the event if you have performed a Cash Withdrawal and/or Card Transactions in a different currency from the Foreign Currency Account, the transaction 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.

Double Swiping is a term used to describe the act of a second swipe of a payment card at a Point-of-Sale terminal after the first swipe to obtain initial authorization from the bank. The second swipe effectively exposes your Citigold Debit Card's magnetic stripe full track data to compromise. You acknowledge and accept that double swiping the magnetic stripe of your Citigold Debit Card on Point-of-Sale readers or Electronic Cash Registers increases the risk of skimming and/or cloning and hence the theft of your sensitive payment card data.

Any customers using Citibank eFX acknowledge and accept that all transactions they make are made solely upon their judgment and at their discretion and own risk. Nothing in Citibank's brochures, investment reports and/or any of Citibank's material supplied to the customer, nor any customer investment profiling conducted for the customer, shall be construed as Citibank's investment advice as regards the relative attractiveness of one investment option over another. Investors investing in investment and/or treasury products denominated in non-local currency should be aware of the risks of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. Foreign currency trading is subject to rate fluctuations, which may provide both opportunities and risks. Customers who have any questions about their legal or tax positions as a result of opening an account with Citibank or effecting any transaction on an account with Citibank should engage an independent legal or tax adviser as they consider appropriate.

Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers may assist customers with information on any exchange controls that are relevant to the currencies in which they invest. 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.

Citibank's full disclaimers, terms and conditions apply to individual products and banking services. This communication does not constitute the distribution of any information or the making of any offer of solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such document or to make any offer or solicitation.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 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