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Citi Online Saver

Citibank Online Saver Account

Our savings account, the Citibank Online Saver can give your savings a boost. Apply now and receive our current variable introductory rate of 2.60%p.a. for the first 4 months1. T&C apply.

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The Citibank Online Saver has no monthly fees, no minimum balance and no long-term commitments. It's your significant other savings account.

2.60% p.a.1


Competitive interest savings

Earn our variable introductory rate, currently 2.60%p.a. for the first 4 months when your balance remains under $500,000. 

At the end of the 4 months or if at any time your balance exceeds $500,000 (including due to interest credited to your account*), your account will have our ongoing standard variable rate, currently 1.60%p.a.

*For example: If your initial balance is $500,000, and you earn $1,000 interest in month 1, your balance of $501,000 in month 2 will earn interest at 1.60%p.a. on the entire balance, even though you are in the introductory period.

Customer Benefits


No monthly fees and no minimum balance. Your interest is calculated daily and paid monthly on every dollar.

Link to any Account

Nominate any Australian bank account as your linked account - just make sure your bank lets you transfer money to accounts held with other financial institutions.

Online Access

Your monthly eStatements will let you know how much interest you've earned for the month as well as the current interest rate.

No lock-ins

You can take your savings out instantly with no delays or fees. If you don't finish the month, you will still earn interest on the days your savings were in the account.

1. This offer is only applicable on the first Citibank Online Saver that you open. Interest rate may change at any time including during the first 4 months.

Savings Calculator

Are you planning your next holiday? Or getting together the deposit for your first home? Whatever your savings goals, see how quickly they can be achieved with our easy-to-use savings calculator.

View the savings calculator

What do you need to apply for the Citibank Online Saver?

  • You must be over 18 years old and a resident of Australia.
  • You need a valid email and Australian residential address.
  • A Tax File Number (TFN). To avoid being charged the highest marginal tax rate.
  • You'll need the details of another account you'd like to link to your Citibank Online Saver.
  •  The account can only be used as a personal account (not a business or joint account).

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View all of our Deposits products

Help and Support

Online Saver Links

Additional information about the Citibank Online Saver account.

Schedule of Fees & Charges
Online Saver Terms & Conditions

Citi Online

Access and manage your money in a quick, convenient and secure way, from anywhere in the world.

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Information & Forms

All the information you need about our products, from interest rates and application links to useful forms.

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Important Information

Terms & Conditions apply and are available on request.

1. This offer is only applicable on the first Citibank Online Saver that you open. Interest rate may change at any time including during the first 4 months.

Any advice is general advice only and 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 circumstances. Further information and our dispute resolution process is available at or by phone on 1300 137 931.

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 AUD deposits with NAB (including under this [terms and conditions / application form / Product Disclosure Statement]) 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.

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