Be Strategically Diversified

Whether your wealth management objectives focus on growth, protection or a mix of both, our comprehensive
suite of world-class products offers solutions to fit.

EVERYDAY BANKING

A well-designed portfolio includes a portion of simple and stable deposits that is always available to you. Take advantage of our deposit products and grow your wealth steadily.

You may select from a wide selection of cash and foreign exchange services as well as wealth solutions including checking accounts, time deposits and savings accounts in local and foreign currencies.

Citibank offers you the ability to take loans to finance a variety of investment ideas without liquidating your current investments. Taken judiciously, leverage can be a powerful way to optimize your financial plan. Besides everyday loans - such as home mortgages, and personal loans - your senior Relationship Manager can arrange financing for a variety of investments, such as foreign exchange trade and investment grade bonds, among others. You also have the ability to take loans to finance a variety of investment ideas without liquidating your current investments.

Citigold Private Client Debit Mastercard® brings you banking convenience locally and globally. From cash withdrawals to your daily purchases and bill payments, all you need is your Debit Mastercard. What's more, you will experience exclusive lifestyle privileges when you make purchases with your card.

Benefits at a glance:

  • Access your multi-currency wallet of up to 10 different foreign currencies for payments in your selected foreign currency, or overseas ATM withdrawals with no foreign exchange fees*
  • 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 Citigold Private Client Debit Mastercard
  • Access to over 2 million ATMs worldwide and enjoy fee-free* cash withdrawals from Citibank ATMs across more than 40 countries
  • Track and manage your account securely with Citibank Online and Citi Mobile®
  • Gain access to Mastercard's exclusive offers and privileges.

*No overseas cash withdrawal processing fee from Citibank ATMs using Citibank ATM & Debit Card; prevailing foreign currency exchange rates and currency conversion fees apply. Subjected to a pre-set daily cash withdrawal limit of S$5,000.

+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.

In addition to ATM withdrawal functions, your Citigold Private Client 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 Citigold Private Client 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 Citigold Private Client Debit Card’s daily limit, your new Citigold Private Client 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 Citigold Private Client Debit Card. You may choose to increase or decrease this limit upon activation.

In addition, because the magnetic stripe of your Citigold Private Client Debit Card contains sensitive payment card data, double swiping the magnetic stripe of your Citigold Private Client 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 Private Client Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.

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

Wealth Management

As markets evolve and needs become increasingly sophisticated, the rigors and discipline of the wealth planning process has to keep pace. At Citigold Private Client, you have access to an extensive range of investments1, securities and banking services that are designed to meet your various wealth management needs.

With our comprehensive range of products, we strive to create options that are customized for you.

Shorter-term or trading options:

  • Foreign exchange trading
  • FX options, FX accumulators
  • Premium account
  • Gold account
  • Equity securities
  • Equity-Linked Account

Longer-term investment options:

  • Structured products
  • Mutual funds
  • Equities
  • Endowment
  • Fixed income securities

Taken judiciously, leverage can be a powerful way to optimize your financial plan.

  • Collateralized trading accounts
  • Portfolio finance & premium financing

You understand the value of expertise. So do we. Your senior Relationship Manager is supported by an experienced team of specialists in multiple disciplines, such as fixed income, treasury, fund management, wealth protection and legacy planning.

In addition, you can now also enjoy dedicated Equity Advisory Services, where an experienced Equity Specialist will offer you advice based on Citi Research and provide insights into equity trade ideas.

This wealth management team can help to provide you with a holistic view of your wealth, and work together with you to help you achieve your life's goals.

1 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 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.

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.

Investors should read the prospectus before deciding whether to subscribe for or purchase units in the Investment Products. 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.