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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 Citi 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.



Pay all your bills displaying the BPAY® logo via Citi Online.


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 Citi account, by using the following Biller Codes, and entering your Citi 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

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 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 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 bank when it suits you. Find you 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.


Your online security is our highest priority, and we use 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.

  • 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 Citi Online that provides added protection when transferring funds to a new payee.                                    


Learn more


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.


Using your Citi Debit card

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.


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

Payments and Transfers

Important information:

  1. As of 24 April 2022 Citi Global Transfers will be discontinued and you will no longer be able to transfer or receive funds between Citi accounts overseas through Citi Global Transfers. Prior to this date 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.

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

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