Wealth Management Solutions Wealth Management Solutions Wealth Management Solutions

Wealth Management Solutions

From helping you build your wealth to protecting your assets, our comprehensive suite of world-class products offers solutions for every wealth management objective.

DEPOSITS

Build your wealth while enjoying peace of mind

Why deposit in a Citibank Interest Checking Account.

  • Choice of currencies: SGD and USD.
  • Personal Accounts are available in SGD and USD.
  • Free personalized checkbook.
  • Free Citibank ATM card.
Foreign Currency Time Deposits:

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 profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

S$ Maxisave Account is a SGD interest checking account. If you need an everyday transaction account that is designed to cater for frequent use with the convenience of a checkbook, then a Citibank S$ Maxisave Account is the solution for you. Your Citibank S$ Maxisave Account earns you daily interest at competitive interest rates while you enjoy the convenience of writing checks from your SGD checking account.

  • Earn daily interest at competitive rates on your Citibank Checking Account.
  • Interest on your Citibank S$ Maxisave Account is calculated daily and credited monthly.
  • Choice of currencies: SGD.
  • Individual Account is available in SGD.
  • Free personalized checkbook.
  • 24x7 access to your funds worldwide, via ATM, internet and phone.
  • Free Citibank ATM card.
Foreign Currency Time Deposits:

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 profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

If you need an everyday transaction account that is designed to cater for frequent use with the convenience of a checkbook, then a Citibank US$ Interest Checking Account is the solution for you. Your Citibank US$ Interest Checking Account earns you daily interest at competitive interest rates while you enjoy the convenience of writing checks from your USD checking account.

  • Earn daily interest at competitive rates on your Citibank Checking Account.
  • Interest on your Citibank US$ Interest Checking Account is calculated daily and credited monthly.
  • Choice of currencies: USD.
  • Individual Account is available in USD.
  • Free personalized checkbook.
  • 24x7 access to your funds worldwide, via ATM, internet and phone.
  • Free Citibank ATM card.
Foreign Currency Time Deposits:

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 profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

Citibank is here to help you diversify your wealth with our fixed time deposit in a range of foreign currencies. Enjoy attractive interest rates with a minimum deposit amount of USD50,000 or equivalent, and choose between 1 week, 1, 2, 3, 4, 6, 9, 12 months.

  • Earn attractive interests with a choice of major currencies: AUD, CAD, CHF, EUR, GBP, HKD, JPY, NZD, SGD and USD.
  • Choice of tenures: 1 week, 1 month, 2, 3, 4, 6, 9, 12 months.
  • Minimum US$50,000 (or equivalent) to establish a time deposit.
  • Unfixed* feature where partial withdrawals are allowed.
  • Automatic rollover facility to ensure your deposits earn interest continuously.
  • Freedom to switch between the 10 currencies with no penalty fees**.
  • Overdraft facility with your deposit as collateral.

*For partial withdrawal, the minimum amount that can be withdrawn is US$5,000 (or equivalent), with at least US$50,000 (or equivalent) to be maintained in your account at all times. For pre-termination of deposit, the Bank reserves the right to charge a penalty fee, which will be deducted from the withdrawn amount.

**You may switch between any of the currencies without penalty, as long as the original maturity date remains or is extended, and under normal market conditions. This feature is not applicable to SGD Time Deposits.

Foreign Currency Time Deposits:

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 profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

An Offshore Renminbi Deposit account lets you enjoy attractive interest rates with a minimum deposit amount of USD50,000 or equivalent, and a choice between 7 day or 1 month tenure options.

  • Participate in the potential appreciation of Renminbi.
  • Diversify your currency holdings.
  • Enjoy attractive interest rate for Time Deposits.
  • Enjoy yield enhancement opportunities by placing CNH into investment products e.g. Bonds or Mutual Funds.
Foreign Currency Time Deposits:

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 profile. Foreign currency investments are not insured by the Federal Deposit Insurance Corporation.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

EQUITIES / STOCKS

Get attractive income opportunities and high returns with a diversified investment portfolio

Enjoy the full functionality and flexibility of building your stock portfolio with an all-in-one securities trading account. Access easy-to-use tools that give you control and insight.

  • Invest in securities from the major stock exchanges in U.S., Hong Kong and Singapore markets.
  • Flexibility to trade through our easy-to-use trading platform via Citibank Online (online trading), Citi Mobile (mobile trading app). Alternatively, you may place your order with a phone trader via our Phone Trading Hotline.
  • Stay on top of your investments and trading ideas with advance charting tools, research and watch lists.
  • Real-time Stock Quote Services
    Unlimited free real-time stock quote services to view stock prices.
  • Order / Trade Execution Alert Service
    Help you check the order processing status in a timely way.
  • Price Alert Service
    Monitor stock prices, the highest / lowest price over 52 weeks and other criteria. You can choose to receive the alert messages via SMS or email.
  • Stocks Finder
    Pick your ideal stocks using criteria such as industry, trading volume, P/E ratio, earnings per share, etc.
  • Block Trades Record
    Track trading movement of significant investments by picking out stocks with large trade turnover.
  • Reference Charts
    Compare the performance of stocks and indexes through different charts.
  • Comprehensive Market Information
    Leverage real-time international financial markets news.
  • All-in-one Portfolio Overview
    Access average stock purchase prices and keep track of your portfolio's performance.
  • Mobile Trading Service
    Download and logon to the Citi Mobile app with your mobile phone to easily manage transactions and check real-time stock prices.
Securities Disclaimer

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.

Securities investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. Past performance does not guarantee future results. The price of securities can and does fluctuate, sometimes dramatically, and that 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. Brokerage account is not available to U.S. Persons and is not insured by the Federal Deposit Insurance Corporation.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

In the event of any inconsistencies between the different languages of this document, the English language version shall prevail.

SHORT TERM INVESTMENTS

Capitalise on targeted market opportunities and achieve your financial goals in the near term

A dual currency investment that gives you an opportunity to earn a potentially higher interest rate than a traditional time deposit by taking advantage of currency rate movements.

  • Provides you with a wide selection of currencies.
  • Provides you with a flexible choice of tenures from 1 week to 6months.
  • Offers you an opportunity to diversify into a second currency of your choice at your pre-agreed exchange rate.

A Premium Account is unlike a traditional bank account as it is an investment and returns may vary. Premium Accounts are subject to a number of risks. A Premium Account is an investment in one or more financial instruments which may include currencies, forwards, equities, bonds, indices, interest rates, precious metals, commodities and/or any other financial or money market instrument.  It is subject to exchange rate fluctuations, which may provide both opportunities and risks. A Premium Account will be paid in the financial instrument that is the weaker of the base financial instrument and the alternate financial instrument. If the alternate financial instrument weakens against the base financial instrument, you will be paid in the alternate financial instrument. This means you may effectively incur a loss on the principal amount of the Premium Account, because the amount paid at maturity, when converted back into the base financial instrument at the prevailing exchange rate, will be lower than the amount of the base financial instrument that you initially invested. The higher rate of interest you earn in the Premium Account as compared to a traditional time deposit may not compensate you for this exchange loss. Exchange controls may apply from time to time to certain foreign currencies. Our Treasury Services Managers and Relationship Managers will provide you with information on any exchange controls that are relevant to the currencies in which you invest. If your Premium Account consists of precious metals or commodities, you should note that physical delivery of the same and the wire transfers to or from your precious metals or commodities accounts are not permitted. 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.  Some of the factors used in calculating such charges include the exchange rate for the financial instrument pair, the prevailing interest rate and the remaining term of 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 financial instruments in your financial instrument pair. In such cases, payment to you will be made in the alternate financial instrument in your financial instrument pair or another financial instrument chosen by the Bank.  You may incur a loss on the principal amount in such cases. Please refer to the Bank's website for any updates of foreign exchange control restrictions. 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 adviser, 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 Premium Account Agreement.

In opening a Premium Account for you, Citibank Singapore Limited acts as principal to a Premium Account transaction. You are subject to the full credit risk of Citibank Singapore Limited. Any payment to be made on the Premium Account depends on the ability of Citibank Singapore Limited to satisfy its obligations as they come due. The Premium Account is a general and unsecured obligation of Citibank Singapore Limited. Citibank full disclaimers, terms and conditions apply to individual products and banking services.

A Premium Account is not insured by the Federal Deposit Insurance Corporation. Investment products including Premium Accounts are not available to U.S. persons and may not be available in all jurisdictions.

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 Premium Accounts with Gold: You are required to open a Gold Account with Citibank Singapore Limited. Citibank Singapore Limited is acting as principal in any transactions in Gold in your Gold Account, including but not limited to purchases or sales of Gold in relation to any Premium Account. 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 by the Federal Deposit Insurance Corporation. Investment products including Premium Accounts, Gold Accounts and Gold trading are not available to U.S. persons and may not be available in all jurisdictions.

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.

Allows you to buy or sell Gold just like any other foreign currency.

  • Tool for diversification as its performance tends to move independently of other investments and key economic indicators.
  • Potential hedge against inflation as the value of gold in terms of real goods and services that it can buy tends to remain stable.
  • Potentially "safe haven" in times of financial, political, economic and social turmoil.

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 by the Federal Deposit Insurance Corporation. Investment products including Gold Accounts 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.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

These short tenure, non-principal protected investments will provide you the opportunity to receive higher potential returns on your money based on share price movements.

  • You can enjoy the potential to receive better returns than a traditional time deposit if your view on share price movement of the underlying share is correct.
  • You can enjoy a flexible tenure of anywhere between 1 to 6 months.
  • You can seek exposure to a specific underlying share or a basket of underlying shares at a pre-agreed share price ('Strike Price') as well as benefit from the enhanced interest rates that arise from the option premium you receive.

Unlike bank deposits, Citibank Equity-Linked Accounts are subject to investment risks and potential returns may vary, depending on the official closing price of the underlying share on the Expiry Date.

If the closing price of the underlying share is at or above the Strike Price, principal and interest in the base currency will be payable. If the closing price of the underlying share falls below the Strike Price, interest in the base currency will be payable and the underlying share will be delivered. Citibank has the discretion to pay cash instead of delivering the underlying share in the event of unforeseen circumstances, due to but not limited to, unavailability of shares. The amount of cash payable will be computed based on the closing price of the underlying share on the Expiry Date multiplied by the quantity of the underlying share to be delivered as stated in the written confirmation. In such a case, an immediate loss on the principal will be realised.

Prior to entering into a transaction, investors should consult with their own legal, regulatory, tax, financial and accounting advisors to the extent they consider it necessary, and make their own investment decisions (including decisions regarding the suitability of this transaction) based upon their own judgement and advice from those advisors they consider necessary.

In the event that investors choose not to seek advice from a financial advisor, they should carefully consider whether this product is suitable for them in light of their investment objectives, financial means and risk profile. In establishing the Citibank Equity-Linked Account for investors, Citibank Singapore Limited acts as a principal and not as an agent. Repayment of Citibank Equity-Linked Account is subject to the laws and the regulations of Singapore.

The Citibank Equity-Linked Account is not a bank deposit, nor obligation of, nor guaranteed by Citibank Singapore Ltd, Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries. The Citibank Equity-Linked Account is not insured by the Federal Deposit Insurance Corporation.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

LONG TERM INVESTMENTS

Diversify your investments across countries and investment types. Choose from many levels of risk and returns

More than 14,000 financial advisors and private bankers in 100 countries, our established network can provide both breadth and depth of experience, global research and financial advice. With Citibank as your partner, you can make your investment decisions with confidence.

  • We offer a broad range of Equity Funds and Bond Funds.
  • By country / region:
    Global, Europe, Asia, Japan, Singapore, North America, Emerging Markets.
  • By industry:
    Telecommunication & technology, life and health sciences, financial services, industries, gold & mining.
  • A range of funds to suit individual investor profiles, tolerance for risk and different investment needs
    • Income accumulation.
    • Capital appreciation, through global allocation in various equity markets around the world.
  • Specially-designed portfolios for those who want to maximize their potential returns, who can accept some risk of capital loss but may be unsure of what is the best way to go about investing. These portfolios are designed for those who don't want to worry, or who can't spare the time that managing investments so often involves.

Investment products are not bank deposits, nor obligations of, nor guaranteed by Citibank Singapore Ltd, Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries, and are subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured by the Federal Deposit Insurance Corporation.

Past performance is not indicative of future results and prices and values 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 when foreign currency is converted back to the investors' home currency. Investors should therefore determine whether any foreign currency investment is suitable for them in the light of their personal investment objectives, financial means and risk profile. All subscriptions for Investment Products must be made on application forms accompanying the prospectus. Prospectuses are available from Citibank Singapore Ltd and the Fund Managers' offices.

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.

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 authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to U.S. persons and may not be available in all jurisdictions.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

Flexibility to choose from bonds of various currencies and tenures to diversify your portfolio and at the same time enjoy a regular stream of income from your investments in the bond market.

  • You will enjoy a regular stream of income.
  • You will enjoy capital appreciation if you sell the Bond when the price has appreciated (please note prices may also decline).
  • You can diversify your investment portfolio and your risk if you have a portfolio consisting of mainly equities.

These securities are obligations only of the issuer. Unless otherwise stated, they are not bank deposits or obligations of or guaranteed by Citibank Singapore Ltd, 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 securities are not insured by the Federal Deposit Insurance Corporation. 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. 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. These securities 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$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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

Access an extensive array of investment opportunities that are often out of reach from investors of smaller amounts. To open your Citibank Regular Savings plan:

Minimum US$5,000 (or equivalent).

Minimum monthly subsequent investments of US$1,000 or more.

  • Cash savings does not necessarily beat inflation. Inflation can erode the purchasing power of your cash savings. Therefore you may wish to consider diversifying into investments such as bonds and equities, which may beat inflation by a substantial margin over the long term.
  • The Citibank Regular Savings Plan will enable you to access an extensive array of investment opportunities that are often out of reach from investors of smaller amounts.
  • Enjoy the flexibility of being able to choose from tenures of a 1, 3 or 5 year savings plan or even an alternative tenure that may best suit the timing of the financial goals you are striving to achieve. For example, you may choose to time your Citibank Regular Savings Plan to mature when your child turns 18 years old, and is able to use the savings for university fees.
  • Free up valuable time that you may otherwise spend monitoring the markets for investment opportunities.

Investment products are not bank deposits, nor obligations of, nor guaranteed by Citibank Singapore Ltd, Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries, and are subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured by the Federal Deposit Insurance Corporation.

Past performance is not indicative of future results and prices and values 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 when foreign currency is converted back to the investors' home currency. Investors should therefore determine whether any foreign currency investment is suitable for them in the light of their personal investment objectives, financial means and risk profile. All subscriptions for Investment Products must be made on application forms accompanying the prospectus. Prospectuses are available from Citibank Singapore Ltd and the Fund Managers' offices.

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.

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 authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to U.S. persons and may not be available in all jurisdictions.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

These investments' returns are linked to the performances of underlying equities or equity indices. This allows you to manage your equities investments, depending on your risk profile and investment objective.

  • Opportunity of capital appreciation and profit, if the selling price of the shares is higher than the buying price.
  • Opportunity of a regular income from dividends.
  • Potentially higher returns as compared to bonds and deposits, though the risks are potentially higher.
  • Protection against inflation.

Citibank Singapore Ltd is acting as your agent in the purchase of these notes.

These notes are not bank deposits, are not government insured and are subject to investment risks, including possible loss of the principal amount invested. These notes are not insured by the Federal Deposit Insurance Corporation. Principal protection and/or interest guarantees provided in respect of a note are provided by the issuer and is subject to issuer's risk. Unless specifically stated, any principal protection and/or interest guarantee is not an obligation of Citibank Singapore Ltd, Citibank, N.A., Citigroup Inc. or their affiliates/subsidiaries (except in the case that Citigroup Inc. or any of its affiliates or subsidiaries is the issuer).

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.

Principal protection and/or interest guarantees provided by the issuer will not apply in the event that any note is redeemed before the maturity date and is subject to conditions. Investors should refer to the Offering Circular and/or the Termsheet for details relating to the terms of the principal protection and/or interest guarantees. Investors investing in notes denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Past performance is not indicative of future results; prices can go up or down.

Notes that are not principal protected may be redeemed at maturity at an amount which may be substantially less than the principal amount of the Notes, or in some circumstances, zero. Also, if an investor elects to redeem or otherwise dispose of the Notes prior to the Final Observation Date, they may not receive 100% of the amount invested. Investors are notified that the branches, affiliates and/or subsidiaries of Citigroup Inc (the "related entities") may receive a fee, commission or other compensation (in cash or in kind) in connection with the purchase and sale of the Notes. The salespersons and employees of the related entities may be paid a fee or otherwise receive a commission or other compensation (in cash or in kind) in connection with your purchase of the Notes.

This product is not available to U.S. Persons.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

HOME FINANCE

Be it purchase financing or refinancing of local properties, enjoy preferential interest rates on your home loans

Citibank Home Saver is a Mortgage Loan and Transaction Account rolled into one. It allows you to take the high interest earned on your Home Saver Transaction Account to partially offset the interest payable on your Mortgage Loan. That means paying off your loan faster!

  • Competitive interest rates.
  • Cash balance in the Home Saver Transaction Account, up to the amount of outstanding mortgage loan principal, will earn a high interest rate ("Adjustment").
  • This "Adjustment" will automatically be used to partially offset the interest payable from your mortgage loan.
  • Use the cash in your Home Saver Transaction Account in exactly the same way as a normal checking account.
  • Simple and hassle free application.
  • Prompt approval.
  • No processing fees.
  • Multi-lingual Relationship Managers & mortgage specialists.

This proposal is not an offer to sell nor a solicitation of an offer to enter into a transaction.  The terms set forth herein are intended for discussion purposes only and are subject to the final expression of the terms of the transaction in the applicable agreements and/or confirmation.  Further, while some of the information provided may have been obtained from various published and unpublished sources considered to be reliable, neither Citibank Singapore Limited, Citibank N.A., Citigroup Inc. nor any of their affiliates guarantees its accuracy or completeness or accepts liability for any direct, indirect or consequential losses arising from its use.

The risk of loss in leveraged 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 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. While the bank may attempt to contact you in the event of a margin call, if the value of the collateral in your account drops below the Bank’s force sell requirements the bank is not required to contact you and can liquidate your trading positions or other assets from your account without contacting you. Prior to entering into any proposed transaction, you should determine, without reliance upon Citibank Singapore Limited, Citibank, N.A. or its affiliates, the economic risks and merits, as well as the legal, tax and accounting characterizations and consequences, of the transaction and that you are able to assume these risks.

You should therefore carefully consider whether such trading is suitable in the light of your investment objectives, your financial means and your risk profile. Leveraged trading products are not insured by the Federal Deposit Insurance Corporation. Investment products including leveraged trading products are not available to U.S. persons and may not be available in all jurisdictions. This document and its contents are proprietary information and products of Citibank Singapore Limited and may not be reproduced or otherwise disseminated in whole or in part without Citibank's written consent.

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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

INSURANCE

Comprehensive, tailor-made solutions that help you protect what matters most

While you have built wealth upon years of hard work, you would want your loved ones to enjoy the fruit of your success. To enrich your retirement without impacting your legacy or ensure equitable wealth distribution for the next generation, it is vital to plan ahead.

  • Platinum Heritage (II)
  • Platinum Heritage Treasures
  • Platinum Heritage Premier
  • Platinum Legacy (VII)
  • Platinum Generations
  • Gen3 (II)
  • Guaranteed Protect Plus
  • Platinum Gift for Life
  • Smart Lifetime Rewards

When faced with accidents or even natural disasters, our life becomes fragile and helpless. In such cases, your family may not only lose their loved one but also the financial support, affecting their daily lives drastically.

  • Platinum Heritage (II)
  • Platinum Heritage Treasures
  • Platinum Heritage Premier
  • Platinum Legacy (VII)
  • Platinum Generations
  • Gen3 (II)
  • Guaranteed Protect Plus
  • Secure Term Plus II

With longer life expectancy and increasing cost of living, it is becoming more challenging to preserve sufficient wealth to sustain your desired lifestyle during the golden years.

  • Platinum Generations
  • Gen3 (II)
  • Platinum Gift for Life
  • Smart Lifetime Rewards
  • Smart Pro Rewards
  • Retirement Saver II

Many people spend all of their income without being able to save enough. With minimal interest rates and the ever-increasing cost of living due to factors such as inflation, salary increases simply cannot keep pace, making it difficult to rely solely on savings.

  • Platinum Generations
  • Gen3 (II)
  • Platinum Gift for Life
  • Smart Lifetime Rewards
  • Smart Pro Rewards
  • Smart Pro Saver
  • Retirement Saver II

With increasing health concerns and rising medical costs, health care expenses could quickly exhaust your savings in the event of an unexpected medical setback.

  • Guaranteed Protect Plus*
  • Secure Term Plus II*
  • Triple Critical Cover

*Available as rider on basic plan.

See what you need to protect your loved ones, save for retirement, support your children's education or to fund any other aspirational goals.

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General Insurance:

This insurance plan is underwritten by the Insurance Company. This insurance product distributed is an obligation only of the insurance company. It is not a bank deposit or an obligation of or guaranteed by Citibank Singapore Ltd, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries. This insurance product is not insured by the Federal Deposit Insurance Corporation.

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.

The specific details applicable to this insurance are set out in the policy contract. All insurance applications are subject to the insurance company's underwriting and acceptance.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.

Life Insurance:

This insurance plan is underwritten by the Insurance Company. This insurance product distributed is an obligation only of the insurance company.  It is not a bank deposit or an obligation of or guaranteed by Citibank Singapore Ltd, Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries. This is not a contract of insurance.  Accordingly, the information should be read and construed in the light of, and subject to, all the terms and conditions contained in the Policy.  Full details are stated in the Policy, including whether such Policy is eligible for coverage under the Policy Owners' Protection Schemes Act 2011 of Singapore.

This is only general product information provided by us.  You should seek advice from a qualified advisor if in doubt.  The specific details applicable to this insurance are set out in the policy contract. Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and surrender value payable may be less than the total premiums paid. All insurance applications are subject to the insurance company's underwriting and acceptance.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.