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• How to Withdraw Money from Your Bank

How to Withdraw Money From Your Bank

There are multiple ways to withdraw money from your bank account, especially with the digital banking tools available today. You can withdraw cash from your bank account at an ATM or nearby branch of your bank, or you can directly transfer your money using online banking services and tools.

Withdraw money from an ATM

If you have a checking account or a savings account that offers ATM cards, you can make withdrawals at any ATM. You simply insert your debit or ATM card and verify your identity by using your 4-digit PIN.

You may encounter certain limits when withdrawing cash from an ATM. Banks can set daily withdrawal limits to help prevent fraud and theft, and individual ATMs may have lower limits set at the discretion of the ATM owner.

Using ATMs associated with your bank is typically the best way to avoid ATM fees. Using other ATMs may cost a fee from your bank and/or the ATM owner, although some bank accounts, such as the Citigold Account, will reimburse.

All Citi checking account members can enjoy access to one of the largest networks of fee-free Citibank ATMs in the U.S.

Do you need a debit card to withdraw money from an ATM?

You typically need a debit or ATM card to withdraw money from an ATM. The card and the PIN both serve to protect your identity and prevent fraud. However, some ATMs now offer cardless withdrawal options, usually by connecting to either a bank's mobile app or the digital wallet of your choice.

Withdraw money in person from the bank

You can also withdraw cash in person at your local bank branch. There are two ways to do this:

• Write a check out to cash: Filling out a personal check and having "cash" as the payee line can let you access money from your account.
• Talk to a teller: Money can be withdrawn directly via a bank teller, although you will need to provide a proof of identity such as your Debit card and PIN or a government-issued ID.

Withdrawing money from a savings account vs a checking account

Checking accounts make it easy to access and withdraw your money when you need it. All Citi checking accounts come with a debit card that lets you withdraw money easily at any ATM or Citi branch. You can also use a debit card to make direct transactions with most vendors.

Saving accounts also offer several ways to easily access your money. Funds can be withdrawn by visiting any Citi branch to access the funds in your Citi savings account. Citi savings accounts linked to Checking accounts can transfer funds between the accounts with no transfer fee and funds can be accessed as soon as the transfer is approved.

How many times can you withdraw money from your savings account each month?

Many bank accounts will restrict the amount of times you can withdraw money each month before they begin to charge a fee. This is to encourage using your savings account to save, rather than as a daily banking account. Citi does not limit withdrawals from savings accounts.

Withdrawing money from an online bank account

If you have a bank account that you primarily access online without a local branch, there are still several ways to access your funds.

Many online banks have a network of free ATMs through a partnership. This allows you to withdraw cash at certain ATMs.

You can also transfer money to another account or pay bills directly using direct transfers from your online account. Your bank may allow e-Checks and/or instant transfers through their mobile app or online dashboard.

Other ways to withdraw money from your bank account

Cashback with your debit card.

Some banks will allow you to withdraw small values of cash back when shopping at certain vendors. This cash back amount will be charged as a purchase, and you will receive the cash immediately.

Mobile apps

The best mobile banking apps offer multiple ways to easily transfer funds. The Citi mobile banking app comes with Zelle, offering instant digital transfers.

Write a check

Writing a check is a safe way to transfer funds between people and make purchases, but it can also be used to withdraw cash. Simply write a check out to "cash" as the payee and deposit it at a local bank branch.

Open an account with Citi

Cit provides digital access to your savings and checking accounts. Plus, you can access your cash easily with over 65,000 fee-free ATMs nationwide. Open an account online for these benefits or you can visit your local branch.

Claim is based on locations in the United States where customers can make cash withdrawals with no surcharge (usage) fee by the ATM operator. Citibank customers can get cash, get information and make transfers between their eligible linked Citibank accounts with no surcharge fee when they use their Citibank ® Banking Card at ATMs in the U.S. located at Citibank branches, ATMs at select retail store locations, and ATMs participating in the MoneyPass ® Network; regular account charges apply. ATMs in retail stores and at other non-Citi locations are not owned or operated by Citibank and offer fewer functions. Use the Citi Worldwide ATM/Branch Locator on Citibank Online or the Citi Mobile ® App to find the nearest ATMs and branches, including non-Citibank ATMs in the U.S. with surcharge free access. MoneyPass is a registered trademark of Fiserv, Inc.

Disclosure : This article is for educational purposes about banking products. It is not intended to provide legal, investment, tax, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should refer to the disclosures financial institutions provide for various products and consult a qualified professional.

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Citibank ATM s around the world

Your money’s never far away…even if you are..

Whether you’re going across town or crossing a time zone, your cash is always nearby. The Citibank ATM Network spans the US . and over 40 other countries.

What it Costs

With citigold 1, with citi priority, right for you if:.

• You need to access cash at ATM s
• You travel and need cash from international locations

With All Other Account Packages

Fee- free for Citibank customers when they use a Citibank branded ATM or an ATM found at MoneyPass ® . Foreign exchange fees may apply for withdrawals made at foreign ATM s

What You Get

A network of Citibank and non-Citibank ATM s where you can use your Citibank® Banking Card to get cash and account information.

There are thousands of fee-free ATM s Footnote 2 in the US ., including:

• More than 2,400 ATM s in over 700 Citibank branches
• Thousands more   ATM s

Talking ATM s

With Talking ATM s, visually impaired customers can independently perform ATM transactions with greater ease.

How It Works

• Get cash at any ATM displaying the CIRRUS ® , MAESTRO ® or Mastercard ® logos
• Citibank ATM s are in over 20 countries, so if you're traveling overseas, locate them before you go.
• Services available vary depending on whether you are using a proprietary Citibank ATM or non-Citibank ATM

Works With These Products

• Citibank Checking Accounts
• Citibank Savings Accounts

Find Citi Locations

Terms, conditions, and fees for accounts, products, programs and services are subject to change

• Other banks and ATM service providers may charge you a fee when you conduct a Citibank deposit account transaction using their ATMs. In any eligible statement period, when you use another bank's ATM to conduct an ATM withdrawal from your Citibank deposit accounts you will receive reimbursement from Citibank if your Citigold Account Package had a combined average monthly balance of $200,000 or more in eligible linked deposit, retirement and investment accounts for the calendar month prior to the ATM transaction. If the combined average monthly balance in your Citigold Account Package was not equal to or greater than $200,000 for the calendar month prior to your ATM transaction, then Citibank will not reimburse you for ATM fees charged by other banks or other ATM service providers when you conduct a Citibank deposit account transaction using their ATMs. This ATM reimbursement is only available in the Citigold Account Package and is limited to consumer accounts. Reimbursement of other bank ATM fees is not available in the first month in which your account is opened in The Citigold Account Package. to footnote reference 1
• Get cash, get information and transfer balances between eligible linked Citibank accounts with no ATM usage fee when you use your Citibank ATM or Debit Card at ATM s in the United States at Citibank branches, Citibank branded ATM s at other locations, and ATM s participating in the MoneyPass ® Network. Not all ATM s owned or operated by Citibank. Not all functions available at all ATM s. Use the Citi Locator Worldwide ATM / Branch Locator on Citibank Online or the Citi Mobile ® App to find the nearest ATM s and branches including non-Citibank ATM s in the U . S . with fee free access. MoneyPass is a registered trademark of U . S . Bank National Association.  to footnote reference 2

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10 tips to save on overseas ATM withdrawals this summer

No matter how much you plan ahead, you'll often need to withdraw money in the local currency when you're overseas. Of course, the U.S. dollar is accepted in some countries and you'll want to have a credit card on you. However, there might be situations where that will just not work — and the local currency (in cash) is the only accepted form of payment.

Think of taxi rides, the corner store, tips and excursions — and much more. You never know when the need for cash (in the local currency) will come up, so it pays to be prepared by having a debit card that won't charge exorbitant fees when taking cash out of the ATM.

So before you get on your next international flight, here are a number of ways to prepare in advance tof ensure you have cash on hand while overseas.

For more TPG news delivered each morning to your inbox, sign up for our daily newsletter .

What is an ATM foreign transaction fee?

An ATM foreign transaction fee is a fee you pay for using an ATM abroad. Banks have varying policies on fees you will pay for using an ATM that isn't their own, which is typically a flat fee when you are in the U.S. If you're using an another bank's ATM abroad, you may pay this flat fee (often around $5) plus a 1%-3% foreign conversion fee for using an ATM dispensing a currency other than U.S. Dollars.

Know if your credit card charges an ATM foreign transaction fee

There are plenty of reasons to hold and use travel rewards cards , but they shouldn't be your go-to when it comes to withdrawing cash at the ATM. Even if you use a card with no foreign transaction fees , the ATM withdrawal will likely entail a large cash advance fee , as they consider the money withdrawn as a loan.

And it gets worse: There's no grace period on cash advances, so you'll be incurring interest charges from the day of the withdrawal, usually at a rate that's even higher than the purchase rate.

Even if you are using a travel rewards credit card that refunds ATM fees worldwide, such as the Chase Sapphire Preferred Card , the money withdrawn is typically considered a cash advance. Although you won't have to pay the ATM fee, the interest fees can quickly add up.

Choose the right debit card to save on ATM fees when traveling

There are three ways you could be hit with fees when using your debit card overseas. First, your bank could charge you a fee for using an out-of-network ATM — both at home and at ATMs abroad. Second, the bank that owns the ATM could tack on additional fees. Finally, you can be charged foreign transaction fees at the ATM, just as you can when making credit card purchases.

Avoid debit cards that charge out-of-network fees

Before you leave home, you'll want to make sure you have a debit card that will not charge you any fees.

There's nothing worse than being charged twice to use your ATM card at an out-of-network machine (once by your bank and once by the ATM owner). To avoid this, open an account that doesn't impose out-of-network fees and ensure this applies not just at ATMs in the U.S. but also in other countries. One great option is to get a Capital One 360 Checking account. This card will not charge you any fees on withdrawals, even if it is out of network.

Related: The top 9 checking accounts for avoiding foreign ATM fees

Use a debit card that's part of a large network, including ATMs abroad

One way to avoid the fees from out-of-network transactions is to use a debit card that's part of a large, international network.

One popular option for those traveling abroad is to have a SoFi Money Checking account . The debit card that comes with the account reimburses account holders at any of Allpoint's 55,000+ network ATMs — available both domestically and abroad.

Related: 3 banks travelers should use to save money on fees

Find a card that reimburses ATM fees

Several banks and credit unions offer reimbursements for ATM fees charged by other banks. So even though your bank might not charge you a fee, you could be hit by the bank operating the ATM. Fortunately, many banks will reimburse those fees — some up to a certain amount per month; others are unlimited.

A great option is the Schwab Bank High Yield Investor Checking account . With this debit card option, you'll receive unlimited ATM fee reimbursements — both domestically and abroad. It's also a great card to use abroad if you only have a credit card that charges foreign transaction fees, since this card waives those fees on ATM withdrawals and debit card purchases. We still recommend traveling overseas with a credit card that offers no foreign transaction fees , so you can earn points and miles on purchases that you can pay for on your card.

Related: The best checking accounts

Watch out for ATM foreign transaction fees

When you're taking out smaller amounts of money, a 3% foreign transaction fee is far preferable to a $3 ATM fee. But if you need to withdraw hundreds of dollars outside of the U.S., you should look for a debit card with no foreign transaction fees on ATM withdrawals and on purchases. This includes debit cards from Capital One, Charles Schwab and Discover.

Avoid changing money at the airport

If there's one place where you're guaranteed to get the worst deal, it's at the arrivals area of an international airport. Here, you'll usually find the highest ATM fees, the least-favorable exchange rates and the highest likelihood of being short-changed. Try to avoid exchanging money at international train stations and ferry ports as well.

However, using the ATM at the airport may sometimes be your safest bet and may be a necessity. First, there should be security personnel nearby, which should increase your safety while using the ATM. Additionally, you may need cash before heading outside. If you're taking a taxi or public transit to your hotel, you may need local currency to pay. In these situations, you may need to use an airport ATM out of obligation.

If you have a card that will reimburse the withdrawal fee at ATMs abroad, then the fee doesn't matter as much. If you're in need of cash right away, make sure to check the conversion rate before withdrawing and choose the best-value option if the airport has more than one ATM network available.

What to know before using ATMs in different regions

Regardless of where you're traveling, a general rule of thumb is to always use ATMs in public spaces where you feel safe and secure. Be sure to check the card reader for anything suspicious such as card skimmers , so you don't become a victim of identity theft. Finally, always be aware of your surroundings when withdrawing money and entering secure personal information. Make sure no one is watching you, and be sure to cover your PIN when entering it.

Here are some pointers for those traveling through different regions:

Similar to the U.S., ATMs are nearly everywhere and not too hard to find. Europe hasn't completely adopted paperless payments in the way the U.S. has, so it's always good to have some cash in your wallet when traveling through the region. This is especially important if you plan to travel to smaller towns or shop at local markets.

Middle East

Credit cards are generally accepted throughout the Middle East, but if you plan to go to smaller towns or certain countries — like Iran — you'll want U.S. dollars or the local currency and a no-fee debit or credit card for backup. If you need to get cash out, you shouldn't have any issues finding an ATM, except in Iran, where foreign cards simply do not work.

Cash is definitely still the main payment method in most Asian countries, especially in Southeast Asia. ATMs aren't too hard to find, but that's highly dependent on what country you're in. U.S. dollars are sometimes more valuable than the local currency in countries such as Cambodia, Vietnam or Myanmar, so carry around some dollars for backup.

Regardless, remember to pack a card that doesn't charge foreign transaction fees and reimburses those pesky ATM fees. If your debit card charges foreign transaction fees, make larger withdrawals in the local currency to minimize those add-on charges. Make sure to have a secure wallet to carry all of your cash in. Cash is also important as you'll occasionally have to pay for certain visas with cash upon arrival.

You likely won't run into any issues finding an ATM in the big cities, but you may not be so lucky when on the outskirts. The U.S. dollar is highly valuable across the continent. In fact, many national parks only accept the U.S. dollar or the euro, so you should come prepared with a decent amount of U.S. cash in an assortment of bills. The local currency is preferred in smaller towns, which you can withdraw from a local ATM.

South America

Cash is king in South America and credit cards are not always accepted. Brazil is the exception here, with incredibly high rates of credit and debit card use. Elsewhere, you'll definitely be making lots of ATM trips while traveling through the continent, so be sure to alert your bank about where exactly you'll be traveling. The U.S. dollar is also commonly accepted, so it's always good to have some dollars in case. Note that all 12 countries on the continent have different currencies, so you won't want to take out too much of one currency if you plan to hop around.

U.S. dollars are the most widely accepted currency in the Caribbean, with the euro and other local currencies behind it. Similar to traveling through other regions, it's always good to carry around some cash in case, but credit cards are pretty widely accepted throughout the region. When you need to replenish your wallet, head to the ATM, as that's where you're likely to get the best exchange rate.

Note that if you're traveling to Cuba, the cash situation is much different than the other islands. U.S. dollars are not widely accepted. In fact, if you try to convert U.S. dollars to Cuban Convertible Pesos (used by foreign visitors), you'll often be charged a 10% commission by the government. Your best bet is to carry cash for daily spending, since U.S. credit and debit cards are not accepted in the country.

Other tips for saving money on currency conversion

Never underestimate the power of the U.S. dollar

While it's important to have local currency, you may receive a better effective exchange rate when using U.S. dollars. I'm often surprised by how much demand there is for U.S. currency in foreign countries, and I've had great success when offering to pay in dollars — especially at smaller stores and with merchants in a large bazaar.

On the other hand, hotel operators and other large companies often impose their own exchange rates, which can be very unfavorable. If you're paying in dollars or exchanging money, note that you'll often get the best rates on $100 and $50 notes, with smaller notes fetching a lower rate and old or worn bills not accepted for exchange in many places.

Be extremely careful in paying in the local currency

Dynamic Currency Conversion , or DCC, is a popular scam with merchants and credit card processors. Supposedly, this "service" offers you the opportunity to pay in your local currency, but it really just adds a huge commission. In theory, you're supposed to be asked to agree to this "service." Between language barriers and the merchant's incentive to earn a commission, many travelers get duped into these inflated charges. This happened to me when Hertz in Italy fraudulently added a 4.5% commission to my bill, but I successfully received a refund when I contacted its executive customer service.

Always contact your bank before you go

The only thing worse than paying extra fees for an ATM transaction is having your withdrawal declined. Yet this can happen if you travel overseas without notifying your bank in advance and it suspects fraud. Before you leave, call your bank and provide a list of the countries you plan on visiting, even if you just have a layover.

Bottom line

There's a time and a place to earn valuable points or miles by using a travel rewards credit card . Unfortunately, withdrawing money abroad is not one of them. By understanding the different surcharges you could face when using an ATM aboard and choosing the best debit cards to help you avoid withdrawal or foreign transaction fees at these ATMs, you can access cash in other countries at little to no cost.

Additional reporting by Jason Steele

GOBankingRates works with many financial advertisers to showcase their products and services to our audiences. These brands compensate us to advertise their products in ads across our site. This compensation may impact how and where products appear on this site. We are not a comparison-tool and these offers do not represent all available deposit, investment, loan or credit products.

Citi® ATM Withdrawal and Deposit Limits

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You work hard for your money. Naturally, you want to be able to access your cash when you need it — even when the banks are closed. If you bank with Citi, you probably have questions about your Citi ATM limits for your checking and savings accounts. Keep reading to learn what you need to know about withdrawing cash from a Citi ATM.

Understanding Limits on Withdrawals, Deposits and Transfers

Here’s an overview of the limits on ATM withdrawals, deposits and transfers with Citi.

ATM Withdrawal Limits

The daily ATM withdrawal limit depends on the type of Citi checking account you have. If you have the Citigold ® Account or the Citi Priority Account, you can withdraw up to $2,000 per day from a Citi ATM . If you have any other Citi account, your withdrawal limit is $1,000.

What Is the Maximum Amount of Money I Can Spend Using a Citi Debit Card?

Citi customers with the Citigold ® Account or the Citi Priority Account can spend up to $10,000 a day with a Citi debit card. If you have any other kind of Citi account, you can spend up to $5,000 per day with your Citibank debit card. That includes both in-person and online debit purchases.

What Is the Maximum Deposit Limit for Citi ATMs?

There’s no limit to the amount you can deposit in a Citi ATM . However, some Citi ATMs in non-bank locations may have limits on how many bills they can accept.

How Quickly Will My Money Be Available After I Make an ATM Deposit?

If you make a cash deposit, it is available in your account within minutes. Check deposits are subject to hold before releasing funds.

Most of the time, your check gets released on the business day following the date of your deposit. However, in cases where your full check may not be released, the first $225 becomes available one business day after you deposit the check. The remaining balance is released once the check clears.

How Can I Increase My ATM Withdrawal and Deposit Limits?

Individual accounts have limits based on tier and relationship with Citi. You can call and request a temporary lift on your account limits and it may be granted. However, Citi may require that you upgrade your account to access high limits.

Does Citi Have a Transfer Limit?

The upper limit for transfers between linked Citibank accounts can be as much as $100,000 inbound monthly or inbound daily. However, those limits may vary based on your individual type of account and where you’re transferring the money to.

As for deposit accounts, if you have a Citigold ® or a Citi Priority account, you have no daily or monthly limits on the amount you can transfer between accounts.

Transfers from Citi accounts to other banks are limited to $10,000 per day and up to $15,000 total every month.

How To Get Cash If You’ve Reached Your Limits

If you’ve already withdrawn your daily limit from the ATM and still need cash, here are a few ways you can access your money:

Request Cash Back When You Make a Debit Purchase

When you make an in-person purchase in a store using your Citi debit card, you can request cash back from the retailer. When you make your payment, a screen prompt will ask if you want cash back. Select “yes” and choose the amount you’d like, and the cashier will hand you the cash. Citibank doesn’t set limits on the amount of cash back you can receive, but many stores do place limits.

Withdraw Cash from Another Account

If you have an account separate from your primary account that has its own debit card , transfer money online. Then use the card associated with that account to access your funds.

Make a Withdrawal in Person at the Bank

When you need cash during banking hours, you can walk into any branch or stop at the drive-thru and make a withdrawal. You won’t face any limits, and you’ll be able to withdraw as much cash as you have available in your account.

Helpful Hint If you find yourself reaching Citi account limits regularly, consider upgrading your accounts. But before you do, check the fine print for additional fees and requirements.

Understanding the daily limits for Citi ATMs can help prevent a situation where you need cash but aren’t able to get it. Knowing how much cash you have available to spend can also help you manage your money wisely.

More on Citi Bank

• Citi Bank Review
• Citi Bank Promotions
• How to Open a Citi Bank Account
• Citi Bank Routing Number
• Citi Bank Fees

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been endorsed by Citibank.

Data is accurate as of March 25, 2021, and subject to change.

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No ATM or Foreign Exchange Fees 2,3

Travel across the globe with the freedom of using any ATM, while enjoying waived ATM foreign exchange fees and unlimited refunds on ATM fees charged by other banks.

Citigold Lounges & Client Centers

Whether you’re in your home city or traveling abroad, you have exclusive access to lounges in Citi properties in cities around the world. Take a break to relax and recharge...

Home Connect Customer Service 5

Home Connect service provides toll-free access to your local Citigold service center from select foreign countries.

The Citigold Concierge Service 1

The complimentary Citigold Concierge service helps clients book reservations, tickets and vacations.

World Wallet Currency Exchange 4

If you need foreign currency, you have access to the next business day delivery of foreign currencies to your home, office or nearest branch. Plus, you get waived foreign exchange fees...

Emergency Cash 6

Citi is by your side when you travel with cash for eligible emergencies (up to $10,000 per day from the available funds in your Citigold Account).

Call Toll Free: 1-888-248-4465 | For TTY: We accept 711 or other Relay Service.

Ready to Get Started?

Open a new Citigold checking account to earn up to $2,500 with required activities.

Open a Checking Account Online

Call: 1-833-382-0004 EXT 1087   |   For TTY: We accept 711 or other Relay Service.

Contact Us today to learn more about Citigold and we will call you back shortly.

Citi is here to help you meet your financial goals.

Sign On to schedule an appointment with your Citigold dedicated team.

If you would like to start another Citigold relationship, Open an Account Online .

Call the Dedicated Service Line: 1-833-382-0004 EXT 1087 | For TTY: We accept 711 or other Relay Service.

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Whether you’re in your home city or traveling abroad, you have exclusive access to lounges in Citi properties in cities around the world. Take a break to relax and recharge, attend unique invitation-only events, and meet with Citi financial professionals in a private setting.

Find a Citigold Lounge

If you need foreign currency, you have access to the next business day delivery of foreign currencies to your home, office or nearest branch. Plus, you get waived foreign exchange fees and waived delivery fees as a Citigold client. Currency conversions are done at competitive currency exchange rates. Your order will be debited from your Citibank checking, savings or money market account.

Call: 1-800-756-7050 (option 2) by 3pm CST 24 hr. Exchange Rate Hotline: 1-800-756-7050 (option 1) Toll-free International: 1-210-677-0065 Speech and Hearing Impaired Customers: dial 711

Unused Foreign Bank Note Exchange If you return from traveling with unused foreign bank notes, you can exchange them for U.S. dollars at any Citibank branch .

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• Travel Money

International Travel ATMs

Travel money atm.

The multi currency ATM can be used regardless of the currency your account is linked to, it is so much easier than buying traveller’s cheques or changing your money once you get to your destination. Simply use your card and follow the on-screen instructions to choose the account and withdraw your currency before you travel.

The Travel Money ATM is the perfect way to get ready for your next trip overseas and it’s another international benefit offered by Citi.

Please note multiple currency conversions and charges may apply in certain circumstances; please see information displayed at the ATM. For our current competitive exchange rates please call 0800 00 88 00.

The currency you need when you want it

If you are a regular traveller, you may be interested to find out more about the Citi US Dollar and Euro Current Accounts . The accounts are designed to perfectly complement the Citi Plus and Citigold Current Accounts, giving access to three different currencies all from your one Citi mastercard Debit Card .

By opening an account with Citi UK in Euros or US Dollars you will also be able to make fee-free cash withdraws at Citi ATMs around the world wherever the local currency is the same as your account.

Citibank Global Wallet. Your world in one wallet

With the feature turned on, shop on international websites using your Citi Debit Card and pay zero foreign transaction or currency conversion fees as long as you have sufficient balances in the currency you are spending in*. For example, when you buy something in US Dollars on Amazon US, your debit card will automatically take the funds from your US Dollar account, so that your transaction is fee-free.

Find out more >

* No fees will apply as long as you hold an account with sufficient balances in the transaction currency. If you don’t hold enough balances, Citibank Global Wallet is smart enough to debit funds from your primary account instead (fees may apply).

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Citibank UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm's Financial Services Register number 805574. Citibank UK Limited is a company limited by shares registered in England and Wales with registered address at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB, Companies House Registration No. 11283101. Citibank N.A., Jersey Branch is regulated by the Jersey Financial Services Commission. Citi International Personal Bank is registered in Jersey as a business name of Citibank N.A. The address of Citibank N.A., Jersey Branch is P.O. Box 104, 38 Esplanade, St Helier, Jersey JE4 8QB. Citibank N.A. is incorporated with limited liability in the USA. Head office: 399 Park Avenue, New York, NY 10043, USA.© All rights reserved Citibank UK Limited and Citibank N.A. (2024). CITI ® , CITI and Arc Design ® are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.

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CITIBANK ATM/DEBIT MASTERCARD ®

• Citibank ATM/Debit Mastercard

Coming soon in your mailbox:

Your new Citibank Debit Mastercard ®

Why choose Citibank Debit Mastercard?

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

Citibank Debit Mastercard Promotion

Get S$20 cash rebate when you charge S$200 on your Citibank Debit Mastercard for online, contactless and/or multi-currency transactions .

Promotion is valid till 3 November 2017. Limited to first 14,000 Citibank Debit Mastercard and Citi Priority Debit Mastercard Cardholders.

Terms and Conditions apply

• PRIVILEGES -->
• HOW TO APPLY
• IMPORTANT INFORMATION

Benefits of Citibank Debit Mastercard

Tap to pay with your mobile phone.

Mobile payments is available for your Citibank Debit Mastercard. Add your card to Apple Pay / Samsung Pay and experience a faster, more convenient and secure way to pay with just a tap of your mobile phone.

FIND OUT MORE >

Get cashback offers as you spend

Enjoy cashback offers when paying using a Citibank Debit Mastercard at participating in-store or online merchants in top local or cross border destinations. Terms and conditions apply.

Sign up now >

Multi-currency Feature

Access multiple foreign currencies, for payments and withdrawals at Citibank ATMs overseas at no additional conversion fee.

Shop Conveniently

Make everyday purchases quickly and safely with just a tap of your contactless-enabled Citibank Debit Mastercard. You can also perform cashless transactions at millions of merchants globally.

Transact Securely Online

Shop online with peace of mind, knowing your online purchases are protected.

Access Cash Anytime

Withdraw cash conveniently at ATMs across Citibank Branches, SMRT stations, shopping malls and atm 5 network. Plus, enjoy ATM withdrawals overseas at Citibank ATMs.

Tap & Ride on Trains & Buses

You can now tap to pay for your train and bus rides directly with your Debit Mastercard. No more top-ups. Just tap and go TM .

Card Security Features

Enjoy peace-of-mind with robust security features on your Citibank Debit Mastercard. See below for details.

Go EZ with EZ-Pay

Drive through ERP gantries without the need to top-up or insert a stored value card in your IU.

Exclusive Citibank Debit Mastercard Privileges

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

No Late Fees or Interest Charges

Your Citibank Debit Mastercard is linked to your bank account. Whenever you use the card for payment, funds are directly debited from your account. So you don't have to worry about late fees, bill payments or interest charges.

Bill Payment Islandwide

Make bill payments islandwide via any AXS Station. It's quick, easy and available 24/7.

Citibank ATM/ Debit Mastercard offers a comprehensive range of security features for your added security.

• Activation and deactivation can be done instantly and conveniently at any time of the day via SMS, Citibank Online and Citi Mobile.
• A missing card can be quickly deactivated, with a replacement card sent almost immediately upon request.
• The EMV-Dynamic Data Authentication Smart Chip makes the card more secure and protects you from potential identity theft and fraudulent activity.
• Citi Alerts: Get SMS or email alerts anytime there is a transaction on your card. To enroll, login to Citibank Online .
• Citibank Online and Citi Mobile: Track your account balances and transactions easily.

Debit Card Tips

• 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 any one. Memorise your PIN.
• 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.
• Call Citibank immediately if your card(s) are lost or stolen.

For more information and tips on safeguarding your card(s), please click here to visit the MoneySense website.

Important Notes

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 (including through the use of digital wallets like Samsung Pay) 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 Citibank Debit Card is not swiped on Point-of-Sale readers or Electronic Cash Registers.

The Most Privileges Around Every Day with Citi Debit Mastercards:

SINGAPORE AIRLINES

Travel in comfort on Singapore Airlines with Mastercard. Make the most of your holiday with Singapore Airlines Economy Class special fares for you and your loved ones starting from S$208 to over 30 destinations for Mastercard cardholders.

Click Here For Details

Enjoy 2 months free trial of Spotify Premium

Receive SGD10 worth of coupons on Wednesdays for all Mastercard cardholders.

Shopping & Dining Offers

Enjoy additional 6% savings all year round.

More details

Mastercard Traveler Rewards

Enjoy exclusive and automatic cashback offers from participating overseas merchants when you travel, shop and pay with your Citibank Debit Mastercard. Explore the great range of cashback offers in 10 overseas destinations through Mastercard Traveler Rewards, with no registration required.

Enjoy up to 20% savings at participating attractions, dining outlets, hotels and spas.

Changi Airport

Enjoy up to 20% savings at participating outlets.

Global Health & Travel

Get 15% savings on medical and wellness packages.

Receive up to 30% off shipping for the first month following registration with MyUS.com and 20% off shipping for the remaining 2 year membership.

Lookfantastic

Enjoy 22% off your purchase inclusive of free shipping.

Refinery Concepts Dining privileges

Enjoy 15% off at 13 restaurants under Refinery Concepts.

Overseas Student Education Program

Enjoy various offers and benefits when you study abroad with your Citibank Debit Mastercard.

Enjoy Emirates Airlines special fares specially for Mastercard cardholders.

JetQuay Quayside and The Haven Privileges

Enjoy discounts for various JetQuay services and 1-for-1 lounge services at The Haven.

Enjoy USD50 savings on any available Last Minute Deals.

Enjoy 10% savings on car rentals when you travel.

Enjoy 8% savings on hotel bookings.

Enjoy up to 15% savings when you travel with Klook.

Explore The New

Be first in line when you Explore The New with your Citibank Debit Mastercard.

Citi World Privileges

Citi World Privileges ensures that you receive preferential treatment and exclusive discounts at over 40,000 establishments.

Mastercard Priceless ® Cities

With Priceless Cities, open the door to unforgettable experiences in more than 40 cities across the world in the cities where you live and travel.

e-Commerce Purchase Protection

To ensure you can make online purchases with complete confidence, e-Commerce Protection is provided automatically for eligible purchases made with your Citibank Debit Mastercard.

Eligibility to apply for Citi Debit Mastercard

• Individuals 16 years and above
• Singaporeans or foreigners
• Non-profit organisations

List of deposit accounts which can be linked to a Citibank Debit Mastercard

Citi maxigain account.

Get 0.31% * p.a. on your savings with the Citi MaxiGain account. It's a simple and easy way to grow your money.

Citibank Interest Plus Savings Account

Earn up to 2.5% p.a. more on your savings.

MaxiSave Account

An interest bearing checking account that comes with a Citibank Debit Mastercard that offers you a host of exciting features.

Tap & Save Account

• Earn 1% cash rebate on when you use your Citi SMRT Debit Mastercard
• For this account, a Citibank SMRT Debit Card will be issued.

What is Mastercard Travel Rewards?

Mastercard Travel Rewards offers Citibank Singapore Debit Mastercard ("Debit Card") cardholders access to a range of exclusive and automatic cashback offers whenever they travel or shop. Simply pay with your debit card at participating overseas merchants online or in-store.

Please visit the Mastercard Travel Rewards site for full list of participating merchants and offers.

Yes, you need to register on the Mastercard Travel Rewards site in order to enjoy cashback offers.

A qualifying transaction or eligible purchase is one where a cardholder makes a purchase that meets the cashback offer's published criteria. These criteria include the use of your Debit Card at a participating merchant, paying in the specified currency, and satisfying all of the applicable terms and conditions stated in the offer’s advertisement. Dynamic currency conversion transactions are not eligible for Mastercard Travel Rewards offers.

The terms and conditions of each offer are specified on the Mastercard Travel Rewards website. Please check these terms and conditions on each offer as they have different validity periods. Please visit the Mastercard Travel Rewards site for participating merchant offers and details.

Click here for frequently asked questions regarding Mastercard Travel Rewards. For all other inquiries, please visit the Mastercard Travel Rewards site

Citibank Debit Mastercard fees and charges

The Citibank Debit Mastercard comes without fees and charges.

How is the Citibank Debit Mastercard different from a Citibank ATM Card?

The Citibank Debit Mastercard lets you withdraw cash from ATMs and can be used to make purchases at Mastercard accepting merchant locations. What's more, you get to enjoy Citibank's signature suite of worldwide privileges whenever you use your Citibank Debit Mastercard.

Where can I use my Citibank Debit Mastercard?

With the Citibank Debit Mastercard, you get to enjoy shopping at millions of Mastercard merchants globally, simply by signing for your purchases at places like restaurants, bars, groceries and daily needs, fashion apparels, pharmacies etc.

How can I convert my Citibank ATM Card to a Citibank Debit Mastercard?

You may visit any of our Branches to apply for the Citibank Debit Mastercard. Alternatively, you may contact our 24 Hour CitiPhone Banking at 6225 5225 6225 5225 or apply online .

What is my liability if I misplace or lose my Citibank Debit Mastercard?

Your liability for all unauthorized transactions on your Citibank Debit Mastercard which are effected prior to our receipt of your notification shall be limited to S$100 provided:

• you have immediately notified us of the loss, theft or unauthorised disclosure/use;
• you assist us in the recovery of the unauthorised charges incurred;
• at our request you furnish us with a statutory declaration and/or police report accompanied by written confirmation of the loss, theft or unauthorised disclosure and any other information that we may require;
• we are satisfied that such loss, theft or unauthorised disclosure is not due to your negligence or default

What is the maximum spending limit for my debit card?

The default daily and monthly point-of-sales transaction limits for your Citibank Debit Mastercard are set out in the table below. With effect from 1 August 2019, you will be able to enjoy a higher monthly point-of-sales transaction limit for your Citibank Debit Mastercard based on your banking relationship with Citi. For any newly issued card, the daily point-of-sales transaction limit is defaulted at S$2,000. Your daily point-of-sales transaction limit remains unchanged should you have made adjustments prior to 1 August 2019.

How can I check or change my daily spending limit for my debit card?

Please contact CitiPhone at +65 6225 5225 to change your daily spending limit.

What is a debit card?

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.

Risks arising from debit card usage and safeguards

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.

What is my liability if my debit card is lost or stolen?

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.

Tips for safeguarding your debit card

• 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.
• 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 .

How can I disable the Point-of-Sale payment feature (including contactless payment or card not-present transactions) on my Citibank Debit Mastercard?

You may contact our CitiPhone Banking at +65 6225 5225 between 8am to 8pm to convert your debit card to an ATM card. We will send you a new ATM card without fees and charges.

Terms & Conditions: Terms & Conditions:

Your use of the Citibank ATM and Citibank Debit Mastercard is governed by the Citibank Debit Mastercard Terms and Conditions as set out in the Citibank Singapore Global Consumer Banking Terms and Conditions. For the Citibank ATM or Citibank Debit Mastercard Terms and Conditions, please visit www.citibank.com.sg

Where we allow your Citibank Debit Card to be tagged to a Foreign Currency Account and used for any and/or all foreign currency fund in the 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.

If you choose to make a Card Transaction payment via the Mastercard Network, you will be bound by the relevant rules governing such transactions including but not limited to rules governing chargeback and dispute resolution.

With effect from 15 November 2014, the EPINS direct debit payment service will be discontinued and you will no longer be able to make EPINS point-of-sale debit payment transactions on your Citibank ATM or ATM/Debit Card. Please note that the EPINS service is offered by Card Alliance Pte Ltd.

Please note that your privileges, rewards and/or services will differ depending on your choice of debit network.

Your Citibank 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 Citibank Debit Card. Notwithstanding the limit that you set, the limit on your Citibank Debit Card will remain subject to your available bank balance.

Where your Citibank Debit Card has Visa or Mastercard Card Transaction functionality enabled, you acknowledge and accept that the Citibank 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.

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 Citibank Debit Card’s magnetic stripe full track data to compromise. You acknowledge and accept that double swiping the magnetic stripe of your Citibank 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.

EZ-Pay is a service offered by EZ-Link Pte Ltd (Reg no. 200200086M) ("EZ-Link"). The information provided above must be read with, and is subject to, EZ-Link’s terms of use. For the EZ-Pay terms of use, please visit http://ezlink.com.sg/ezpay

The promotions, products and services mentioned are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The information herein is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned herein to such individuals.

Deposit Insurance Scheme: Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 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 www.sdic.org.sg

• Valid from 4 January to 31 December 2018, unless otherwise stated.
• Payment must be made with a Citibank Debit Mastercard at the box office and self-ticketing kiosks only.
• Not valid for online/phone.
• Not valid for block booking of more than 10 movie tickets in a single transaction and hall rentals.
• Not valid for all 3D, Tamil and Hindi, movie marathons, special priced tickets, Elite Club and Ultima seats, and movies screened at the Platinum Movie Suites.
• Not valid with other discounts, promotions and voucher redemptions.
• The management reserves the right to alter the terms and conditions without prior notice.

Enjoy these offers with your Citibank Debit Mastercard:

• 10% savings on regular (Flex and Flex Plus) fares in Business Class and Economy Class
• 5% savings on Saver fares in Business Class and Economy Class

Terms and Conditions

• Offer is valid till 31 Dec 2019
• Travel period till 31 March 2020
• Offer is valid only in Singapore.
• Visit www.emirates.com/sg/mastercard and enter promo code 'SGMAST1' to enjoy this offer.
• Airfares are inclusive of taxes and surcharges and are subject to currency flunctuation. The advertised fares are per person. Seats are subjected to availability. Price subject to changes.
• For more details, please visit here .
• Offer is valid till 31 March 2018.
• Visit http://www.stayfareast.com/en/deals/mastercard and enter promo code 'MastercardGlobal' to enjoy this offer.
• Rates are exclusive of 10% Service Charge & 7% GST.

Choose specially curated medical packages from Global Health and Travel - and receive 15% off when you book with your Mastercard

• Offer is valid till 31 January 2020.
• Travel period till 31 March 2019.
• Offer is valid only in Singapore, Malaysia & Thailand.
• Visit https://www.globalhealthandtravel.com/en/package

Universal Studios Singapore

Puchase a Universal Studios Singapore one-day Adult Ticket at S$68 (usual price: S$76) and receive a free EZ-link Card. Minimum two to go.

• Offer is valid till 30 April 2018.
• Visit www.rwsentosa.com/mastercard or at onsite ticketing booths.

Far East Hospitality

Enjoy these offers with your Citibank Debit Mastercard: 15% off Best Available Rate at the following 11 Far East Hospitality hotels (selected room categories):

• Oasia Hotel Downtown, Singapore
• Oasia Hotel Novena, Singapore
• The Quincy Hotel
• Rendevous Hotel Singapore
• Village Hotel Albert Court
• Village Hotel Bugis
• Village Hotel Changi
• Village Hotel Katong
• Orchard Parade Hotel
• The Elizabeth Hotel
• Discount for various JetQuay services
• 1-1 on all Lounge Services, excluding the nap rooms at The Haven
• Promotion is valid till 31 October 2019. Travel must be completed by 31 October 2019.
• For enquiries or reservations, call JetQuay at +65 6262 2220 or email [email protected]
• Payment must be made only with a Mastercard card.
• Blackout dates apply. Promotion is not valid on the blackout dates. Please call JetQuay for the most updated list of blackout dates.
• 24 hours' advance booking is required. Any changes or cancellations must be communicated at least 6 hours prior to flight departure/arrival time. Late cancellations (less than 6 hours before flight departure/arrival) and "no-shows" will be charged directly to the Mastercard card based on the full price.
• There is no charge for infants below 2 years old.
• Restrictions may apply for certain airlines. Please check with JetQuay for further information.

Enjoy 2 months free trial of Spotify Premium from 1 July to 15 November 2018.

• Offer is valid till 15 November 2018.
• Only for users who have not already tried Spotify Premium.
• Other terms and conditions apply.
• Visit https://spoti.fi/mastercard_sg for more details.

Choose specially curated medical packages from Global Health and Travel and receive 15% off when you book with your Citibank Debit Mastercard.

• Offer is valid till 31 December 2020
• Offer is valid only in Singapore, Malaysia & Thailand
• Visit https://www.globalhealthandtravel.com/en/package for more information

Spend with your Citibank Debit Mastercard and enjoy up to 20% off at participating outlets in Terminal 1, 2, 3 and 4 (Transit and Public Areas)

Participating outlets include but not limited to:

• Bee Cheng Hiang
• Chutney Mary
• O Coffee Club
• Curry Times
• Ya Kun Family Café
• Eu Yan Sang

Visit here for full list of participating outlets.

• Offer is valid till 31 December 2019
• Terms and Conditions at individual offers apply.
• Find out more at https://www.sentosa.com.sg/state-specials/mastercard-promotions

Mastercard Travel Rewards

Mastercard Travel Rewards offers Citibank Singapore Debit Mastercard cardholders access to a range of exclusive and automatic cashback offers whenever they travel or shop. Simply pay with your Citibank Singapore Debit Mastercard at participating overseas merchants online or in-store.

Key Highlights:

• Offers are available in 10 overseas destinations (Australia, Brazil, France, Hong Kong, Italy, Japan, Thailand, United Kingdom, United Arab Emirates, United States), both in-store and online.
• Enjoy a range of cashback offers at participating Food and Beverage, Shopping, Car Rental, and Hotel merchants.
• No registration is required to enjoy the cashback offers.
• Click here for full list of participating merchants and offers.

Terms and Conditions:

• Offer is valid from 1 October 2019
• Terms and Conditions apply for individual offers
• Click here for Frequently Asked Questions

Enjoy the offer below with your Citibank Debit Mastercard with promo code MCSG6:

• Additional 6% savings all year round
• Applicable to selected events and on selected merchandise only
• Applicable for full payment transactions only and payment must be made with your Citibank Debit Mastercard
• Reebonz and Mastercard reserves the right to amend any terms and conditions
• Visit here for redemption

Enjoy free international shipping from participating merchants like Charlotte Tilbury, Rue La & more on your first order over USD100 excluding shipping and taxes when you register for a borderfree account with your Mastercard.

• Offer is valid till 7 July 2018.
• Offer is valid for new users only.
• Other terms and conditions apply here
• Visit www.borderfree.com/mastercardsg for more information.

Receive USD8 off all orders with minimum spend of USD80 + 5% iHerb Loyalty Credit with promo code iHERBMC.

• Visit https://sg.iherb.com/ for more details.

Enjoy these offers when you sign up with MyUS.com with your Citibank Debit Mastercard.

• A MyUS.com address to use at checkout with your favourite online stores
• Free Premium Membership for 2 years worth USD120
• 30% off shipping for first month following registration
• 20% off shipping for remainder of 2 year membership
• Offer is valid till 31 July 2019
• Other terms and conditions apply
• Visit https://www.myus.com/welcome/mastercardpremium to register with your Citibank Debit Mastercard.

Receive the following offer with promo code ' MCLF22 ':

• 22% off a single item purchase + free shipping
• Offer is valid till 31 May 2019
• Visit https://www.lookfantastic.com.sg/mastercard.list for more information

Save USD50 on any available Last Minute Deals with your Citibank Debit Mastercard now with promo code ' MASTERCARD50OFF '

• Offer is valid till 14 August 2019.
• Visit here for more details and redemptions.
• 10% savings on car rentals
• Complimentary Hertz Gold Plus Rewards membership
• Offer is valid till 30 June 2019 and is limited to one offer per rental.
• Reservation must be made at least 24 hours prior to departure (48 hours for destination in Asia).
• Blackout dates and Hertz standard rental terms & conditions apply.

Enjoy the offer below with the promo code MASTERCARDYRO:

• 8% savings on hotel bookings
• Not applicable for hotels.com mobile app bookings

Be first in line when you Explore The New – from the latest additions on the world map of luxurious resorts, villa stays, boutique hotels curated specially for you by Mastercard.

• Validity period varies based on individual properties.
• Visit here for more details
• 5% savings on tours and sightseeing activities with promo code " KLKMCT "
• 15% savings on pocket Wi-Fi rental with minimum 3 days rental with promo code " KLKMCW ". Valid on retail price at selected in-destination pick ups only.
• Visit here for more details and redemptions

Enjoy 15% off at these 13 restaurants with your Citibank Debit Mastercard® from now till 30 June 2019.

• Bedrock Bar & Grill (15% off ala carte lunch menu)
• Fat Cow (15% off ala carte dinner menu and Chef's Table Omakase during dinner)
• The Pelican (15% off ala carte menu)
• Kinki Restaurant + Bar (15% off ala carte menu)
• The Marmalade Pantry (15% off ala carte menu)
• Oriole Coffee + Bar (15% off ala carte menu)
• CIN CIN (15% off drinks & bar snacks menu)
• DEAN & DELUCA (15% off ala carte menu)
• Cold Stone Creamery (15% off ice cream, shakes, smoothies and ice cream cakes)
• Katong Kitchen (15% off buffet and ala carte menu)
• Saltwater (15% off buffet and ala carte menu)
• Straits Café (15% off buffet and ala carte menu)
• Kitchen Language Catering (15% off total bill of minimum S$600 spend)
• Offer is valid till 30 June 2019.
• Payment has to be made with a Citibank Debit Mastercard
• 15% off discount is not applicable during festive periods, special occasions, eve of/and public holidays, on-going promotions, discounts and vouchers.

Enjoy various benefits from pre-destination to at-destination when you study abroad with your Citibank Debit Mastercard.

• Accorhotels
• Equarius Lounge
• Feng Shui Inn
• Fratelli – Trattoria and Pizzeria
• Joël Robuchon Restaurant
• L'Atelier de Joël Robuchon
• Michael's Lounge
• Ocean Restaurant by Cat Cora
• Osia Steak and Seafood Grill
• The Rock Bar
• Enjoy 10% savings when you shop with your Citibank Debit Mastercard® at over 15 retail outlets with minimum spend of S$20.
• For more information, visit here .

OVERSEAS ATM CASH WITHDRAWAL SERVICE

• Overseas ATM Cash Withdrawal Service

Activate the service in advance.

You are required to activate the overseas ATM withdrawal service on your ATM card and credit card(s) in advance if you wish to withdraw cash (including cash advances) from overseas ATMs 1 . You will need to set a daily withdrawal limit and an effective period for the overseas ATM withdrawal services.

• ACTIVATION CHANNELS

Citi Mobile App

Online Banking

Citibank ATMs

Citibank branch

As required by the Hong Kong Monetary Authority, the requirement will be imposed from March 1, 2013 for ATM and credit cards. The overseas ATM withdrawal service will be pre-set as "de-activated". So, if you want to withdraw cash from overseas ATMs on or after March 1, 2013, you will need to activate the overseas ATM withdrawal service by setting a desired daily overseas withdrawal limit and the active period. This is to further enhance the security for ATM services.

Citibank clients holding Citibank ATM or credit cards with the JETCO ATM logo are not required to perform the activation in order to withdraw cash from JETCO ATMs in Macau and China. However, please note that Citibank ATMs in Macau and China are not in the JETCO network, so you must activate the service if you wish to withdraw cash from these Citibank ATMs.

Starting from March 1, 2013, there are 4 channels available for you to modify the service:

• Citibank Online - Logon and select the overseas ATM withdrawal service activation
• Citibank ATMs and JETCO ATMs that display the JETCO chip-enabled ATM sticker
• Citibank Automated voice recording system - Call 28600333 28600333 and follow the instructions.
• Citibank branches.

You must set the active period (start date and end date) and indicate a desired daily withdrawal limit in HKD. The start and end dates will be of Hong Kong time. If you are traveling overseas, please be aware that the time zone may be different from that of Hong Kong's.

Please log on to Citibank Online. Then select "Overseas ATM withdrawal service activation" on the right panel and follow the instructions. You will have to set both the active period and also the daily withdrawal limit for the ATM or credit card you would like to use overseas. Once you have completed the setup, you will receive a confirmation SMS.

The withdrawal setting will be effective upon reaching your selected start date for the active period. You will receive a confirmation SMS upon successful setup of the function.

You can perform the activation through Citibank Online or by calling our CitiPhone Banking at (852) 2860 0333 (852) 2860 0333

The maximum daily withdrawal limit remains unchanged: HK$20,000 for Citibanking ® clients and Citi Priority ® clients; HK$40,000 for Citigold clients and Citigold Private Clients ® . For credit cards, the maximum withdrawal limit depends on individual credit limits or a daily withdrawal limit of HK$40,000, whichever is lower.

No. The overseas ATM withdrawal limit is not shared among different cards. However, please note that if your credit cards have a shared credit limit, the available amount for cash withdrawal is still affected by the usage of your credit cards.

No. This security measure only affects the overseas ATM withdrawal service. It does not affect other ATM service functions. You can still access your accounts and make transfers at overseas ATMs.

The activation is free of charge. For overseas ATM cash withdrawal, waiver is only limited to the handling charge incurred by Citibank (Hong Kong) Limited and/ or Citibank, N.A.. For transactions effected in currencies other than Hong Kong dollars, the amount withdrawn will be converted into Hong Kong dollars at the prevailing exchange rate plus a conversion spread as determined by the Bank on the conversion day and debited from your account together with any charges that may be imposed by the respective ATM network provider (if any).

No. The withdrawal limit applies to all the accounts linked to your card.

You and your joint account holders are holding separate ATM cards with different card numbers. So you and your joint account holders should activate the service separately. Each of you should choose your own active period and daily withdrawal limit for your own ATM cards. As your own personal settings will not be changed by your joint account holders, no notification will be sent to you if they make a change to their own settings.

The overseas ATM withdrawal service for your own ATM/ credit card must be set up by yourself. Third party authorization is not accepted.

Yes. You can set it for your credit card. Please note that if your supplementary card has the same card number as the principal card, the activation period and daily limit you set will also apply to the principal card and/or other supplementary cards with the same card number. All cards with the same number will share the same setting.

Quick Links

Useful links.

• New Citibank ATM chip card

Remarks Remarks

• If you withdraw cash from ATMs located in Mainland China and Macau, you will also need to activate the overseas ATM withdrawal service in advance. However, please note that you can withdraw cash from "JETCO" ATMs without the activation.
• Important Notes for Credit Cardholder(s) whose Principal Card(s) and Supplementary Card(s) share the same number: For cardholder(s) whose principal and supplementary credit card numbers are currently the same, both cardholders can activate the overseas ATM withdrawal service and set the daily withdrawal limit (including cash advances) and the effective period. The latest settings will be applied to both principal card and supplementary card(s). To allow individual settings on the principal and supplementary card(s), we will replace your supplementary cards with a different card number upon your card renewal date or by the end of December 2015, whichever is earlier. All the existing settings for autopay/ standing instructions will remain unchanged. If you would like to request for an earlier card replacement, please call (852) 2860 0333 for assistance.