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Foreign Currency

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Where the world exchanges

From ‘just testing the water’ to diversifying your portfolio across international borders, we are home to a comprehensive FX offering that expands as your needs do. An offering that not only delivers competitive rates for our customers, but provides you with tools, confidence and expertise at every turn.

Whether you're sending money to friends and family overseas, trading, taking advantage of currency fluctuations, travelling overseas or are a seasoned investor with an overseas portfolio, we can provide the personal service and expertise to guide you through it.

This is where the world exchanges.

Whatever you're doing with foreign currency, we've got you covered

Transfer and Convert

Perfect for sending money to family and friends overseas, or simply converting for your holiday, with the Citi Global Currency Account* you can quickly and easily convert, switch and hold up to 10 currencies at the same time1.

This option would suit you if you want:

  • To send and receive foreign currency at competitive exchange rates
  • Be able to manage multiple currencies in one place 
  • Instant exchanges from the Citi Mobile® App
*T&Cs apply



Receive fully customised support from a dedicated Relationship Manager who can help you take advantage of 24 hour currency moves at competitive rates. Get access to sophisticated tools and strategies such as limit and stop-loss orders, which will allow you to position yourself to take advantage of market movements while also giving you the ability to manage downside risks.

Through your Relationship Manager you will be able to gain access to Citi’s global research, and get insights to help you make informed decisions.

This option would suit you if you want:

  • Total digital and trading capabilities 
  • Competitive rates and access to FX specialists 
  • FX transactions (spot orders) and FX limit orders to manage risk



Ideal for eligible investors looking to diversify their portfolios outside the Australian market and the AUD. Relationship Managers will help you design strategies to invest in FX and access global markets with your foreign currency.

By combining FX and investments, you can access substantially larger offshore markets, such as the $130 trillion global bond market. You can explore ways to enhance yield and minimise risk via a range of foreign currency bonds issued locally and overseas, foreign currency structured products and term deposits.

Through your Relationship Manager you will be able to gain access to Citi’s global research, and get insights to help you make informed decisions.

This option would suit you if you want:

  • To build FX strategies to enhance yields and hedge exposure
  • Dedicated expertise from FX specialists
  • Access to global investment opportunities


Insights into FX

How currency can be used to smooth out investment returns

Diversification is a fairly easy concept. You spread your assets across different sectors of the economy so that if one sector rises and another falls, you get a smoother and more balanced return.

Read more

Cash is not King

Holding excess cash is a costly strategy in today’s ultra-low interest rate world. Instead, we see various opportunities to put cash to work and seek yield, while also diversifying portfolio risks.

Read more

Citi's guide to Foreign Exchange

Manage and make money with foreign exchange. 

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Important Information

1. Citi Global Currency Account is issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian credit licence 238098. 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. The receiving bank may charge a fee.

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