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Payments and transfers

Find out how to manage payments, transfers and other everyday transactions.


Making payments and transfers*

Send funds domestically or internationally to accounts with other financial institutions. See our handy guides below.
*We may limit the countries to which you can transfer money.

Transfer money between your accounts

Find out how to transfer funds between your own accounts

See guide >

Transfer money overseas

Find out how to transfer money to someone in another country

See guide >

Transfer money to someone in Australia

Find out how to transfer money to someone in Australia

See guide >

Make a BPAY payment

Find out how to pay bills using BPAY

See guide >

Payments and transfers services

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Sending funds or making payments to accounts with other financial institutions domestically or internationally.

Citi Online
Citi Mobile® App

Daily funds transfer limit of $100,000 (or foreign currency equivalent).

Osko: Near real-time.

Other transaction types: 1 to 5 business days.

Customer Service Centre

Phone support for sending funds or making payments to accounts with other financial institutions domestically or internationally.

(Requires registration, including setting up a telephone PIN.)

Daily funds transfer limit of $100,000 (or foreign currency equivalent).

Osko: Near real-time.
Other transaction types: 1 to 5 business days.

Manual Funds Transfer Request

Domestic and international payments.

Transfers greater than A$100,000 (or foreign currency equivalent).

Non-individual accounts requiring multiple signatories to authorise transactions.

Written request uploaded through Citi Online

Payments and transfer over the daily funds transfer limit are allowed.

(We may need to contact you to verify the transaction before processing the request.)

3-7 business days from the day we process the transaction.

Daily limits

International fund transfers

Currencies available for funds transfers

Currencies available for transfer change from time to time. Please check the countries/currencies that are available when requesting an international transfer via Citi Online and check this page for updates.

a mobile device showing the citi mobile app launch screen

payid logo

More secure, faster payments

Pay ID is a quick, easy and secure payment method that allows you to use your mobile number or email address instead of your BSB and account number to send and receive payments.

Find out more about PayID >

Important updates IconImportant updates

Citi Global Transfers1

The Citi Global Transfers service was discontinued in April 2022 and is no longer available to transfer or receive funds between Citi accounts overseas. Instead, transfers to and from Citi accounts overseas can be made through Citi Online using the destination financial institution's SWIFT code. To find out about making and receiving funds transfers through SWIFT, please review the below FAQs or visit our guide on transferring funds overseas.

Global View of Accounts

The multi-country Global View of Accounts service was discontinued in April 2022. To view your accounts in other countries, you will need to access the destination country’s Citi Online website where you have an account and use the login details you have set up for that country. If you have forgotten your details, you can reset your login and password via the ‘Forgot User ID or Password’ option on the destination country Citi Online homepage.

Changes to cheques

New cheque books are no longer issued as of 24 April 2022. This also applies to cheque book renewals. Payments can continue to be made through our digital and telephone support channels; however, if a cheque is still required, bank cheques can be issued on request.

You are still able to deposit cheques through Australia Post, NAB branches and by posting to us at GPO 40, Sydney NSW 2001. Cheques sent by mail must be in the name of the account holder followed by your account number.

For more information refer to the FAQ section at the bottom of the page.

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 >

Important information:

1As of 24 April 2022 Citi Global Transfers were discontinued. This means you can no longer transfer or receive funds between Citi accounts overseas through Citi Global Transfers.

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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