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Using Your Account



Find out how you can manage your money


Learn more about all of our convenient access methods


Make the most of your Citibank Debit card


ATM Network

Several ATM operators in Australia now offer fee-free withdrawals. Please ensure you check the ATM for any fees before completing a transaction

Plus, being a Citibank customer gives you access to our international network of Citibank ATMs globally.



Pay all your bills displaying the BPAY® logo via Citibank Online or by calling Citiphone Self Service Banking (13 24 84 or + 61 2 8225 0615 if you are overseas).


BPAY® allows you to:

  • Pay your bills at a time that suits you, day or night
  • Choose the payment date that suits you - up to 90 days in advance
  • Avoid waiting in queues to pay your bills
  • Quickly pay the same biller next time, as we store their details for you
  • Pay bills to over 16,000 companies including phone, electricity and water bills.

If your bill displays the BPAY® logo, you will be able to pay it directly from your everyday transaction account or credit card.

You can also use BPAY® to make payment to your Citibank account, by using the following Biller Codes, and entering your Citibank account number as the customer reference number

  • Credit Cards: 49502
  • Mortgages: 49510
  • Personal Loan: 49593
  • Ready Credit & Diners Club Credit Line: 49528
  • Personal Credit: 49726
  • Business Credit: 49734


Australia Post

As a Citibank customer you can do your everyday banking at any of the 3,200 Australia Post retail outlets that display the Bank@Post sign. You simply need your Citibank Debit card or Credit card and PIN linked to your Citibank account to:

  • Deposit cash of up to AUD9,000 per day (allow 48 hours for the payment to reach your account)
  • Deposit cheques of any amount (allow 7 business days for the cheque to clear)
  • Withdraw up to AUD1,000 per day (via EFTPOS, cash or cash advance)
  • Check your account balances.

Australia Post Outlets are open Monday to Friday and some are also open on Saturday, so now it is even easier to bank when it suits you. Find you your closest Bank@Post location.


National Australia Bank

National Australia Bank accepts deposits into your Citibank everyday transaction accounts and home loan accounts:

  • Cash payments will reach your account the next business day (or Saturday if deposited on Friday). If you are depositing cash you can use a National Australia Bank deposit slip.
  • Cheque payments (or a mixture of cheque and cash payments) will reach your account in three business days, however funds will be considered received the day the cheque is deposited. If you are depositing funds by cheque, you must use a pre-encoded deposit book.


Your online security is our highest priority, and Citibank uses the latest technology to ensure you have the safest experience possible. Find out more about what we're doing to protect you and how you can take steps to protect your personal and account data.

  • Citibank One-Time PIN (OTP) gives you peace of mind knowing that your personal information is protected online, it's a single use PIN that you enter when you transact online.


Learn more

  • Online Authorisation Code (OAC) is a security feature of Citibank Online that provides added protection when transferring funds to a new payee.                                    


Learn more


We include a free Citibank debit card with our everyday transaction accounts, so you can shop in-store, online, or overseas using your own money.


Using your Citibank debit card

You can use your Citibank debit card wherever you'd normally use a normal eftpos card, plus at the tens of millions of locations around the world. However you use it, you're spending funds from your everyday account:

  • Online shopping
  • Withdrawing cash at ATMs
  • Paying via eftpos
  • Making over the phone payments
  • Pay with smart mobile wallets.


What are the benefits of a Citibank debit card

  • Worldwide access to your money,
  • The choice between using contactless tap & go or entering a PIN when making a purchase
  • Free wine every time you dine and pay with Citibank Debit card at partner restaurants3
  • Exclusive offers and cashback on travel and shopping at participating overseas retailers4


Our calculators and tools can help you plan your finances or choose a bank account.


Payments and Transfers

  • Making transfers

    Use your Citibank account to transfer money to friends around the corner, or family on the other side of the world.

    ServiceIdeal forTiming
    Citibank Global Transfers1Sending funds instantly between Citibank accounts in participating countries.
    • Bahrain
    • China
    • Hong Kong
    • India2
    • Indonesia
    • Jersey
    • Korea
    • Malaysia
    • Mexico
    • Philippines
    • Poland
    • Singapore
    • Taiwan
    • Thailand
    • Vietnam
    • United Arab Emirates
    • United Kingdom
    • United States
    Citibank Online TransfersSending funds of any amount domestically or internationally to any other bank account.3-5 business days to be processed from your Australian bank account.

    Citibank Australia's SWIFT code is CITIAU2X: a SWIFT code is used to identify individual banks around the world.

    Please note the below daily transfer limits that apply:

  • Daily Withdrawal limits

    Debit CardDaily Withdrawal Limit1
    Citigold$3,000 AUD
    Citi Priority$1,000 AUD
    Debit$1,000 AUD

    1.Daily Withdrawal Limit is a combined daily limit across all accounts (including loan products) linked to your debit card and applies to all cash withdrawals and purchases through ATMs and EFTPOS.

    You may have a different Daily Withdrawal Limit if you request or have previously requested to change it.

  • Daily Transfer Limits

    Premium Banking StatusDaily Citibank Online Transfer Limit1



    Citi Priority




    1. Limits apply to all domestic and overseas fund transfers, but do not apply when you are transferring between your own Citibank accounts. A separate A$100,000 limit applies to transfers from your Citibank Online Saver to a Nominated Linked Account that is not one of your own Citibank Accounts.

    2. The limits for clients who are not eligible for Citigold or Citi Priority Relationship Status, including clients with Mortgage and/or Consumer Lending products only, are the same as the limits for Citibanking customers.

    You may have a different Daily Transfer Limit if you request or have previously requested to change it.

  • Australia’s New Payments Platform (NPP)

    Citi is connected to Australia’s New Payments Platform, bringing faster, simpler and smarter payments to our customers. Find out more.


  • Cheque Clearance

    If your account allows it, you may request a valid cheque to be cleared more quickly if you contact us and request a special clearance before you deposit the cheque.

    We will ask you for the following information:
    - BSB
    - Cheque Number
    - Payee
    - Drawing Bank
    - Drawer’s Name
    - Citi Account Name
    - Account Number
    - Amount

  • FAQs

    • How do I make a payment or transfer?

      1. Sign on to Citibank Online and select 'Payments & Transfers' from the top menu bar options. Enter the required OTP
      2. Select a 'To Account' from the drop down list (if the To Account isn't an option, you will need to Add a new Payee first)
      3. Enter the Bill Payment details including Amount and Date. Click 'Next'
      4. Click the Bill Payment summary and if all details are correct, click 'Make This Payment', a summary screen will display.

        If you would like to make another Payment, click 'Make Another Payment'.

    • Is there a limit to the amount of funds I can transfer?

      You can transfer a minimum of AUD$10 per day. Transfers to other accounts are subject to a limit of AUD$100,000 per day.
      Please note that you may not transfer funds from your Credit Card account.

    • Which account can I use for BPAY®?

      Provided there are funds available, you can use any of your Citibank accounts.>br>Please remember some billers do not accept Credit Card payments.
      Always check your bill for the different payment methods available.

    • Why is the biller I want to pay not on the BPAY® list?

      Only registered BPAY® billers are accepted by this service.

    • What information do I need to transfer funds to another person's account?

      For transfers to accounts in Australia, you will need:

      • The BSB number of the receiving bank.(This is a 6-digit number and indicates the bank and branch number that the funds are being transferred to)
      • The account number you are sending the funds to.

      (Please ensure that the account number for the payee you establish is correct as Citibank will credit the account based solely on the account number and BSB

      For transfers to Citibank Australia accounts, you will only require the Citibank Australia account number. Please ensure that the account number for the payee
      you establish is correct, as Citibank will credit the account based solely on the account number provided.

    • How do I add a new Payee?
      • Sign on to Citibank Online and select 'Payments & Transfers' from the top menu bar options. Enter the required OTP
      • Select 'Manage / Add Payee List' from the left hand menu, then click 'Add Payee' from the available options
      • Select a 'Payee Type' from the drop down menu, then enter a Payee Name. Depending on the type of Payee you choose,
        fill in the following information in the
        required fields.
        Click 'Next' A summary of the details you have entered will display.

        To confirm they are correct and set up the Payee, click 'Confirm'.

        Important Information: Australians lose millions of dollars every year to scams and you can be better prepared by checking ASIC's list of companies and individuals that are not licensed by ASIC prior to sending money to them. If the company that you are setting up as a PAYEE is on the list, you should not deal with them.

    • How do I set up a new Payee using the Online Authorisation Code (OAC)?

      When a new Payee is added, a unique 6-digit code, the Online Authorisation Code (OAC) will be issued to you to activate the new Payee.
      Learn more about the Online Authorisation Code.

    • How can I confirm that the Payee has received payments I have sent?

      Any transfer made from your account will appear on your Account Details and Activity enquiry as a debit immediately,
      with the exception of Credit Card and Ready Credit accounts for which the details will be available within two business days.
      It is suggested you contact the Payee directly to confirm receipt of funds.

    • Can I transfer funds from my Credit Card account?

      No, but you may use your Credit Card to pay accounts using the BPAY® facility. Please note some billers do not accept Credit Card payments.
      Always check your bill for the different payment methods available.

    • How can I transfer money overseas?

      If you are transferring to a Citibank Account overseas:

      • To transfer up to the daily limit of AUD$100,000 to a Citibank Account Overseas, select "Bill Payments & Transfers" and then select your Overseas Citibank
        Account payee. Please ensure that the account details of the international account you want to transfer to is on your payee list and has been activated with an
        Online Authorisation Code (OAC) or through a Customer Service Operator.
        Learn more about Citibank Global Transfers and participating countries.

        To transfer funds exceeding the AUD$100,000 daily limit, select "Bill Payments & Transfers and then select "Transfer Money Abroad" in Step 1 and then enter
        the details of your payment on the form provided. The account details in this form do not need to be on your list of payees.

      If you are transferring to a Non-Citibank Account Overseas or a Citibank Account that is not supported by Citibank Global Transfers:

      • To transfer funds select "Bill Payments & Transfers" and then select "Transfer Money Abroad" in Step 1 and then enter details as required.

    • How long will it take for transfers to become effective?

      Transfers to another Citibank Australia account are credited immediately.
      For transfers to another Australian bank account, the Payee would expect to receive the funds within two working days.

    • How long before my BPAY® payment is received by the Payee?

      Payments made by 5:00pm Sydney Time should register with the Payee by the next working day.

    • Are inter-bank and overseas transfers subject to a clearance period?

      Inter-bank transfers within Australia are transferred as cleared funds. A clearance period may be applied to all overseas transfers by the receiving bank.

    • Can I still access Calendar View?

      No. Calendar View does not exists anymore.

    • Is it possible to schedule more than one payment at a time?

      You may have more than one regular bill or payment to make each month. You can schedule all of these payments and transfers in one easy step, using the
      'Multiple Payments' option. This can be found under the 'Quick Actions' section on your Payments & Transfers page within Citibank Online. Simply select your
      'To' and 'From' accounts, the required amounts, dates and confirm. All your payments will be made automatically as scheduled payments.

    • How do I send money to people with Citibank accounts in other countries?

      Citibank Global Transfers make instantaneous funds transfers possible to any Citibank account in the world. First, simply add and activate your payee.
      Next, go to the 'Bill Payments and Transfers' tab and follow the steps.

    • How do I send money to people with non-Citibank accounts in other countries?

      The 'Transfer Money Abroad' service is a convenient way of sending money to a non-Citibank account overseas. Please note that charges may apply.

    • Can I setup a recurring payment to pay my Citibank Credit Card bills?

      Yes, simply select 'Manage Payments & Transfers' and setup a recurring payment from your Citibank Savings/Transaction account to pay your Citibank Credit
      Card bills.

    • Can I set up a future dated payment to pay my Citibank Credit Card bills?

      Yes, you are given an option when making a Payment or Transfer to select to pay Today or at a Future date.

Important information:

  1. Citibank Global Transfers available from Citibank Australia to eligible Citibank accounts in selected countries/destinations. Daily transfer limit applies. Funds are converted to the destination account currency at the exchange rate specified to you on Citibank Online before you confirm your transaction. This exchange rate includes a commission for the conversion service. Subject to local regulations, Transfers will normally reach destination account immediately, but in some cases may take 24 hours.

  2. Effective February 1, 2016, Citi India will no longer allow incoming CGT transactions into domestic accounts. Incoming CGT transactions will only be allowed into NRE (Non-Resident External) and NRO (Non-Resident Ordinary) rupee checking accounts.

  3. Conditions apply. Visit 

  4. Offers are not provided or administered by Citigroup Pty Ltd. For full terms and conditions please visit 

Any advice is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on this advice you should consider if it's appropriate for your particular circumstances. Details on our dispute resolution system and full details of the terms and conditions are available by calling 13 24 84 or at

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