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
Transfer money to someone in Australia
Find out how to transfer money to someone in Australia
Payments and transfers services
Service | Ideal for | Access | Limit | Timing |
Online |
Sending funds or making payments to accounts with other financial institutions domestically or internationally. |
Citi Online |
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. |
Telephone. |
Daily funds transfer limit of $100,000 (or foreign currency equivalent). |
Osko: Near real-time. |
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. |
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
Daily limits
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Daily withdrawal limits
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Daily transfer limits
International fund transfers
International fund transfers
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Making and receiving 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.
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Incoming transfers
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Outgoing transfers
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.
Important 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.
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FAQs
Help and support
Explore our online help guides and learn more about our products and services.
Useful forms and links
See additional resources for our products and services that will help you set up and use your account.
Support services
We are here to help you through difficult financial or personal times.
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 citibank.com.au.