Your browser does not support JavaScript! Pls enable JavaScript and try again.


Using your account

Find out how to access and manage your money online or in person.


Making deposits and withdrawals

You can make deposits and withdrawals in a way that suits you best.

ATM Network

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

Australia Post

You can make deposits and withdrawals at any of the 3,200 Australia Post retail outlets that display the Bank@Post sign. You simply need your Citi debit card and PIN linked to your Citi account to:

  • Deposit cash of up to $9,000 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 $1,000 per day (via EFTPOS or cash)
  • 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 manage your money when it suits you. Find your closest Bank@Post location.

National Australia Bank

National Australia Bank accepts deposits into your Citi 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.

Using your Citi debit card

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

You can use your Citi 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 including Apple Pay, Google Pay and Samsung Pay.

Managing your account

Explore useful guides and tools for managing your money.

Young woman and elderly man sitting on a couch looking at a tablet screen

Making payments and transfers

Learn how to manage payments, transfers and other everyday transactions.

Find out more >

An elderly couple ordering coffee from a cafe outside using a credit card.

Keeping your money secure

Find out how we protect you, how you can protect yourself and get information on the latest scams.

Find out more >

A mobile phone displaying Citi Mobile App launch screen and tablet screen displaying Citi Online login screen.

Not registered for an online account?

Register for Citi Online or Download the Citi Mobile® App to get started.

Help and support

Explore our online help guides and learn more about our products and services.

Visit help and support >

Useful forms and links

See additional resources for our products and services that will help you set up and use your account.

Explore useful forms and links >

Support services

We are here to help you through difficult financial or personal times.

Explore support services >

Contact Us

Can't find what you're looking for?  Contact us 

Important information:

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) ("NAB"), is the issuer of Citi branded financial products. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) ("Citi") and has appointed Citi to provide transitional services.

NAB is an Authorised Deposit-taking Institution (ADI). Under the Australian Government’s Financial Claims Scheme your deposits with NAB (including under these terms and conditions) may be guaranteed up to $250,000 per account holder per ADI. Citi holds no deposits. The Scheme does not apply to your non-AUD deposits.

"Citi", "Citibank", "Citigroup", the Arc design and all similar trade marks and derivations thereof are used temporarily under licence by NAB from Citigroup Inc. and related group entities.

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

Show more