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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 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 time.

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 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 insights that can 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



If you are an eligible wholesale investor looking to diversify your portfolios outside the Australian market and the AUD. Relationship Managers can provide you with general advise to assist you 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 and term deposits.

Through your Relationship Manager you will be able to gain access to insights that can 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

Our guide to Foreign Exchange

Manage and make money with foreign exchange. 

Read more

Important Information

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 these terms and conditions) may be guaranteed up to $250,000 per account holder per ADI. Citigroup Pty Limited 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.

All information contained in this document is general in nature constitutes factual information or is general advice only. It was prepared without taking into account your objectives, financial situation, or needs. Before acting on the information contained in this document you should consider if it is appropriate for your particular circumstances. Investors are advised to obtain independent legal, financial, and taxation advice prior to investing. Investments are not deposits or other obligations of, guaranteed, or insured by NAB, or any of its affiliates or subsidiaries, or by any local government or insurance agency, and are subject to investment risk, including the possible loss of the principal amount invested. For a full explanation of the terms and conditions, as well as risks of investing, please ensure that you fully read and understand the relevant product disclosure statements or terms and conditions prior to investing