
Sending money overseas with Citi
Need to send money overseas?
Citi’s global network allows you to send money worldwide at excellent exchange rates.
Log in to the Citi Mobile® App or Citibank Online to make a transfer now. Here's how:

Through the Citi Mobile® App
1. Tap the Payments tab
2. Tap Transfers & Payments
3. Enter your PIN
4. Follow the prompts
Want to add a payee?
1. Tap the Payments tab
2. Tap Manage Payments & Payees
3. Tap Add/Manage Payees
4. Enter your PIN
5. Tap Add Payee
6. Tap Overseas Payees
7. Follow the prompts

Options for sending money overseas
Citibank Online Transfers | Citibank Global Transfers | |
Where can I transfer to? | To any domestic or international account using the SWIFT network | To any Citibank account in 18 participating countries: Bahrain, China, Hong Kong, India1, Indonesia, Jersey, Korea, Malaysia, Mexico, Philippines, Poland, Singapore, Taiwan, Thailand, Vietnam, UAE, United Kingdom and United States. |
When will funds be transferred? | Within 72 hours | Instant |
Is there a fee? | No - Citi won’t charge any fees, but the recipient’s bank may | No |
Is there a daily online transfer limit? | Yes - AUD$100,000 (or foreign currency equivalent) Note: You may have a different online transfer limit if you request or have previously requested to change it. Limits do not apply when you are transferring between your own Citibank accounts. |
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1Citi India can only accept incoming CGT transactions into NRE (Non-Resident External) and NRO (Non-Resident Ordinary) rupee checking accounts. |
Transferring money to international accounts
Transferring money to international accounts
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Can I transfer money to an international bank account?
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How long will it take for money to reach an international account?
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What's the maximum amount I can transfer to an international account?
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Can I cancel or trace a transfer to an international account after it has been submitted?
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Can I amend a transfer to an international account after it has been submitted?
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Are there fees involved to trace, cancel or amend a transfer to an international acount?
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Where can I find current exchange rates?

How does Citi make money if it doesn’t charge a fee?
Like most banks and money transfer providers, Citi earns a margin on the exchange rate when money is converted. Unlike most banks and money transfer providers, Citi does not charge a transfer fee in addition to margin.
So, what is margin? You can think of margin as a “mark-up” on the market (or interbank) rate - the difference between what a currency provider pays to buy a currency (from the foreign exchange market) and what it charges you for the currency.
Despite not charging fees, Citi still maintains some of the country’s lowest margins (i.e. offers customers some of the best exchange rates). See for yourself.

Using your account
How to set up your
Global Currency Account
Here’s a guide to setting up your account so you can start using it in Australia as well as abroad, for shopping online, sending/receiving money worldwide, converting currency, and much more.
5 things to consider before
you travel overseas
Travelling overseas? Make sure you’ve considered these 5 things before you leave.
Compare Citi money transfer rate versus other providers
Whether it’s large exchanges over $AUD100,000, or foreign exchange transactions for your day to day global life, we’ve got you covered.