ONLINE INVESTMENTS

Online freedom with real-time returns.

Online freedom with real-time returns.

Citibank Online Investments makes it easy, fast and secure to invest online. Featuring a choice of Foreign Currency Time Deposits, Premium Accounts and FX conversions, you can access real-time rates, track your stocks and investments, perform transactions and receive instant confirmation on all your deals online.

Benefits
  • Ease in managing your different investments.

    A range of different investments, Time Deposits, Premium Accounts and Foreign Exchange transactions are available for you

  • Easy viewing of all investments

    View all your investments at a glance and receive instant confirmation of all transactions

  • Keep ahead with market opportunities

    Receive market updates and alerts to spot when an opportunity arises for you to maximise potential returns

  • Stay updated with the latest currency rates and charts.

    You will be able to track the performance of the currency pairs and get "live" news on the foreign exchange market.

Types of Investments

Time Deposit

A Citibank Time Deposit, available in a range of foreign currency options, offers you attractive interest rates to make your money work harder for you while providing the flexibility of managing your money.

Manage your Time Deposits

  • Establish a New Time Deposit (Minimum US$5,000 or equivalent)
  • View Time Deposit Holdings
  • Change The Tenure of My Time Deposit
  • Top Up Time Deposit
  • Transfer My Time Deposit at Maturity into an Overnight Deposit/Transactional Account
  • View Spot/Forward Time Deposit Transactions Booked Through Internet
  • View Time Deposit Rates

Premium Account

A Citibank Premium Account is a dual currency investment that involves a currency option which gives the bank the right to repay your principal and interest earned in either the base currency or the alternate currency. If you are looking for an opportunity to earn a potentially higher interest rate than a traditional time deposit, you might wish to consider this type of investment.

Manage your Premium Accounts

  • Earn bonus interest rates of up to 1% p.a.* for every Premium Account established online (Minimum US$5,000 or equivalent)
  • View Premium Account holdings
  • View historical and spot/ forward Premium Account transactions booked through Internet
  • Set Up/Change Expiring Premium Account Alerts
  • View Premium Account Rates

Foreign exchange

  • View real-time foreign exchange rates
  • Convert your Time Deposit currency

* Only IPB customers who establish Premium Accounts via Citibank Online Investments will be eligible for bonus interest rates of up to 1% p.a. Applicable interest rates for each transaction will vary depending on the transaction amount, its tenure and strike price. This promotion may be withdrawn at any time without prior notice.

What You Need

To sign on to Citibank Online, all you need is your Citibank ATM card, ATM PIN and Online Security Device (OSD) to access this convenience.

  • Enjoy Paperless Freedom with Citibank Electronic Statements and Advices
  • Citi Mobile Do more on the go.

Disclaimers

Foreign Currency Investment Disclaimer

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 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.

Deposit Insurance Scheme

The SGD Cash Trading Account shall, subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore ("Act"), be eligible for deposit insurance coverage under the Deposit Insurance Scheme up to the limits specified in the Act.

Premium Account Disclaimer

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. A Premium Account is not a deposit and is not subject to the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and is not eligible for deposit insurance coverage under the Deposit Insurance Scheme. 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.

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