Wealth Management Solutions Wealth Management Solutions Wealth Management Solutions

Wealth Management Solutions

From helping you build your wealth to protecting your assets, our comprehensive suite of world-class financial management products offers solutions for every wealth objective.

LIQUID ASSETS

Get access to cash when you need it. Our array of liquid asset products and short term investments allows you to grow your wealth without long-term lock in period

A checking account that is designed to give you higher interest rates based on your total Assets Under Management (AUM) with Citibank.

  • Yields high interest rates of up to 3.00% p.a
  • A personalised Citibank chequebook
  • Sums up the total in your other deposit and investment accounts for more attractive interest rates
  • Complimentary instant online funds transfers to overseas Citibank accounts in participating countries
  • Global View of Accounts to keep tabs on all your Citibank accounts across selected countries with a single login
  • Up to RM10,000 daily cash withdrawal
  • Complimentary cash withdrawals* across at MEPS ATMs nationwide
  • Complimentary bills and loan payments* across selected at MEPS ATMs nationwide

*Up to 4 complimentary combined transactions per month

Enjoy the best of both worlds through our integrated savings and checking account that works harder than the standard savings account with only a minimum deposit of RM5,000.

  • A transactional account with daily interest that is credited monthly into your account
  • Attractive interest rates for deposits with balances above RM10,000
  • A personalised Citibank chequebook
  • A Citibank/Citigold Debit & ATM card which can be used worldwide
  • Up to RM10,000 daily cash withdrawal
  • Complimentary instant online funds transfers to overseas Citibank accounts in participating countries
  • Global View of Accounts to keep tabs on your Citibank accounts across selected countries with a single login
  • Complimentary cash withdrawals* across at MEPS ATMs nationwide
  • Complimentary bills and loan payments* across selected at MEPS ATMs nationwide

*Up to 4 complimentary combined transactions per month.

Get competitive interest rates of a Citibank Time Deposit, and enjoy the flexibility of partial withdrawals before the maturity date. Choose between minimum deposits of either RM5,000 for 1 month, or RM1,000 for 2 - 60 months.

  • Earn monthly interest*
  • Partial withdrawals in multiples of RM5,000 before maturity (remaining balance continues to earn interest at the rate you signed up for)
  • Complimentary monthly combined statements consolidating all transactions
  • Online account inquiries via Citigold Online
  • Ringgit for Ringgit overdraft facility

*Monthly interest is only available for minimum deposits of RM50,000 and for a minimum tenure of 6 months.

Invest in Foreign Currency Time Deposits and enjoy earning potentially higher returns than ordinary Time Deposits. Choose from our wide range of Foreign Currency Time Deposits and enjoy numerous benefits.

  • Useful in several instances, such as receiving income from foreign employment, facilitating payment for overseas education, spending money for holiday travels, etc.
  • Greater flexibility in choice of tenures (1, 3, 6, 9 and 12 months available)
  • Affordable minimum deposit of USD3,000 or its equivalent in your choice of currency:
    • US Dollar
    • Canadian Dollar
    • Australian Dollar
    • Euro
    • Singapore Dollar
    • Pound Sterling
    • New Zealand Dollar
    • Japanese Yen
    • Hong Kong Dollar
    • Swiss Franc

Designed to help you manage your everyday transactions, the Citibank Foreign Currency Call Account is a non-interest bearing account, easily opened with a minimum deposit of USD3,000 or its equivalent.

  • Allows you to receive income from foreign employment or facilitate payment for overseas education
  • Complimentary monthly combined statements consolidating all transactions
  • Online account inquiries
  • Various options of foreign currencies for you to choose from:
    • US Dollar
    • Canadian Dollar
    • Australian Dollar
    • Euro
    • Singapore Dollar
    • Pound Sterling
    • New Zealand Dollar
    • Japanese Yen
    • Hong Kong Dollar
    • Swiss Franc

SHORT-TERM INVESTMENTS

Optimise your wealth potential with our short term investment plans and solutions that allows you to capitalise on targeted market opportunities

Investing in a Dual Currency Account offers potentially higher returns by taking advantage of currency exchange rate movements. As this facility involves investments in one or more foreign currencies, do consider the exchange rate fluctuations, the timing, your choice of currencies and your personal investment preferences carefully.

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LONG-TERM INVESTMENTS

Diversify your assets across countries and investment types with our long term investment plans and products. Choose from many levels of risks and returns

Choose from a wide range of unit trusts comprising of a combination of securities such as stocks, bonds and futures. These are professionally managed by reputable leading names in fund management.

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Fixed Income Securities, such as bonds, generally offer more predictable returns on your investments with a lower risk potential compared to equity investments.

As an overview, bonds:

  • Are debt instruments issued by the Government, Government Agencies, supranational agencies or corporations
  • May pay a regular (monthly, quarterly, semi-annual or annual) fixed rate of interest, a variable rate of interest or no interest over the life of the bond
  • Have tenures ranging from a year to as long as 30 years

Market-linked Investments are structured investments that are principal-guaranteed (in full or partial) at maturity, providing potentially enhanced yields and higher returns as compared to regular deposits of a similar tenure.

Market-linked Investments can be structured with one or more embedded instruments such as stocks, equity indices, bonds, commodities, interest rate benchmarks, currencies - or a combination of each asset, a reference index or any other benchmark. Potential interest payments on Market-linked Investments include interim interest and/or returns on maturity.

On a precautionary note, do take into consideration the exchange rate fluctuations if your investments are denominated in foreign currencies.

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HOME FINANCIAL SERVICES

If you're looking at investing in property, we offer a range of flexible home financing and asset management solutions with distinct benefits, designed with your best interests in mind

The Citibank Housing Loan gives you total convenience and extra savings, with disciplined monthly instalments to help you focus on your priorities.
  • Savings from competitive rates and daily interest calculation
  • Disciplined monthly instalments for financing of completed properties
  • More disposable income by paying only interest during the property construction period or more savings when you opt to commence monthly instalments
  • Flexibility to make early or extra payments in any amount at any time - no notice required, no fees charged
  • EPF withdrawal to reduce the outstanding loan
  • Optional MRTA or MLTA insurance plan to safeguard your home
Freedom is the cornerstone of Citibank Homecredit. It's an amortizing revolving loan with chequebook and ATM facilities that gives you flexible repayment and withdrawal methods for total control over your finances.
  • Single integrated account that allows you to consolidate all your deposits and housing loan accounts for better management
  • Pay-as-you-wish and save on interest - with fixed monthly instalments, just pay more to save on interest or pay less when you have other priorities
  • Payment and withdrawal flexibility with no notice required, and no fees charged
  • No monthly maintenance fee
  • Credit balance is eligible for protection by PIDM*
  • Access to cash anytime whether it's over the counter, ATM or Citibank Online, issuance of cheques also accepted
  • Important changes effective 1 January 2017 - Implementation of 1% p.a. commitment fee. Click here for more details
  • Optional MRTA or MLTA insurance plan to safeguard your home

*Click here for more details on PIDM protection.

The loan approval is subject to the Bank's credit review. The rate on this loan may change according to the changes in Base Rate (BR).

The housing loan that offers you complete flexibility on your repayments. Should you choose to, you can pay off your loan faster, whenever you want.
  • Flexibility to deposit more than your monthly instalment or withdraw excess amounts anytime, and as often as you wish
  • Daily interest calculation for more interest savings
  • Option to start your principal repayments immediately even if your home is still under construction, rather than merely servicing progressive interest
  • Excess payment available for withdrawal is eligible for protection by PIDM*
  • When you deposit funds in excess to the instalment ("Extra Payment"), your principal will be automatically reduced the following day for the purpose of calculation of interests. Interests will be calculated on the amount which is the difference between the loan outstanding balance and the Extra Payment deposited into the Flexi Current Account ("Interest Offset Feature")
  • The amount of the Interest Offset Feature will be capped at 70% of your total loan outstanding balance ("Offset Cap"). The remaining 30% of the loan outstanding balance which exceeds the Offset Cap will be charged at the effective interest rate of the loan. This is applicable for loan approved on and after 1 January 2016
  • Optional MRTA or MLTA insurance plan to safeguard your home

*Click here for more details on PIDM protection.

The loan approval is subject to the Bank's credit review. The rate on this loan may change according to the changes in Base Rate (BR).

INSURANCE

Insurance prepares to secure your future and help you protect what matters most while staying on track of your goals

Whether you're a frequent or occasional traveller, SmartTraveller is your ideal protection plan when you're abroad, made more affordable with a family plan option. SmartTraveller provides 24-hour assistance all around the world, with comprehensive coverage that includes:

  • Personal accident
  • Reimbursement of medical expenses
  • Follow-up treatment upon return to Malaysia
  • Lost or damage to baggage
  • Loss of travel documents and money due to robbery or theft
  • Acts of terrorism and excludes direct participation in terrorism
  • Recreational activities like scuba diving and winter sports
  • Emergency medical evacuation to the nearest hospital
  • Emergency medical repatriation back to Malaysia to continue treatment

Flexi Saver is a regular premium investment-linked insurance plan which covers death and Total Permanent Disability (TPD), while giving you the flexibility to grow your wealth through an array of investment funds. You can also enhance your protection by adding supplementary insurance coverage to safeguard your ever-changing needs.

  • An investment-linked insurance plan that covers death and Total Permanent Disability (TPD)
  • Wide array of investment funds to help you meet your investment objectives
  • Flexibility of adding supplementary insurance coverage to meet all your protection needs

ValuePac gives you the flexibility to convert your term insurance plan into a whole life plan. Extend your coverage at no additional cost.

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Use your Citi Credit Card without worry knowing there is Credit Shield Select to care for you.

  • Settles off outstanding balances in the event of an unfortunate incident
  • 10% No Claim Bonus

CancerCare is a comprehensive cancer insurance plan that resets your coverage to 100% a year after the diagnosis date of early stage cancer, and provides 100% payout of the sum assured upon plan maturity.

  • Early stage cancer benefit equivalent to 30% sum assured. Cancer benefit resets to 100% a year after the diagnosis date of Early Stage Cancer
  • Cancer benefit of 100% payout of the sum assured upon plan maturity
  • Gender-specific cancer benefit of 200% sum assured
  • Life insurance protection up to age 80
  • Offers coverage for Death and Total Permanent Disability (TPD) for your peace of mind
  • Option to build various contingency funds by enhancing your protection through supplementary additions i.e.
  • Medical Care Plus
    A comprehensive medical coverage that helps you cover major medical bills
  • Critical Illness Rider
    Protects you against 36 critical illnesses. A lump sum amount will be paid to see you through your treatments and recuperation
  • Accident Protector
    Additional protection against accidental death or dismemberment
  • Up to 8 times Sum Insured in the event of death up to age 100, and Total and Permanent Disability (TPD) up to age 65
  • 2% of the average monthly account value in the 5 years prior to the date of Loyalty Bonus payment, to be payable every 5 years from the 15th policy year
  • Bonus units of up to 1.5% of the initial single premium
  • Option to invest in different investment funds to boost your returns
  • Switch your investment from one fund to another anytime at no cost
  • Withdraw your investment anytime
  • Top up your premium anytime from as low as RM1,000

An insurance plan that takes care of your mortgage in the unfortunate event of total permanent disability or loss of life. With this plan, you can free your loved ones from the financial liabilities of settling the remaining loan balance.

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ISLAMIC BANKING

Enjoy a range of products that work in line with the tenets of Islamic banking with strict adherence to Shariah principles

Based on the concept of "Wadiah Yad Dhamanah", the Citibank Checking Account-i honours the Islamic banking concept of guaranteed safe custody. Funds deposited will be utilised for Shariah-compliant purposes. The bank may award you hibah from time to time at its discretion.
  • Get your own personalised cheques
  • Up to RM10,000 cash withdrawal daily for Citigold members
  • Online account inquiries and banking transactions via Citibank or Citigold Online
  • Free monthly combined statement consolidating all transactions

Based on the concept of "Wadiah Yad Dhamanah", this honours the Islamic banking concept of guaranteed safe custody. Funds deposited will be utilized by the bank for Shariah compliant purposes. The bank may award you hibah from time to time at its sole discretion.

  • Cash withdrawal of up to RM5,000 daily with Citibank Debit & ATM Card. Citigold members enjoy a higher cash withdrawal limit of RM10,000 daily
  • Online account inquiries and banking transactions via Citibank or Citigold Online
  • Complimentary monthly combined statement consolidating all transactions