An integrated account that works harder for you.

An integrated account that works harder for you.

A unique integrated savings and checking account that works harder than a savings account.



  • Earn daily interest that is credited monthly into your account.
  • Attractive interest rates for deposits with balances above RM10,000.
  • Personalized Citibank® check book.

Global Access

  • Transfer funds in an instant between Citibank® accounts across multiple countries via Citibank Global Transfer.
  • View your Citibank accounts across participating countries with a single login via Online Global View.
  • Complimentary cash withdrawal at more than 20,000 Citibank ATMs worldwide.
  • Emergency cash withdrawal of up to USD 10,000 at any Citibank branches worldwide.


  • Up to RM 10,000 daily cash withdrawal.
  • Citibank/Citigold Debit & ATM card to withdraw cash or make payments for purchases worldwide.
  • Access to over 11,000 MEPS ATM network nationwide.
  • Online account inquiries and banking transactions via Citibank® or Citigold® Online.
  • Make banking inquiries anytime, anywhere via live e-Chat, 'Call Me' function and 20 seconds1 call pickup.


  • Eligible for protection by PIDM*.

* Click here for more details on PIDM protection.

1From the moment you press 0 to speak to a CitiPhone officer.



Attractive interest rates Deposit balance above RM 10,000
Interest Calculated Daily
Interest Paid Monthly

Global Access

Complimentary instant online fund transfer worldwide Up to USD 12,500 daily for Citibank® customers and USD 25,000 daily for Citigold® customers.
Emergency cash withdrawal at Citibank branches worldwide Up to USD 10,000
Online Global View of accounts via single login
Telegraphic Transfer
Complimentary Citibank ATM withdrawal worldwide


Minimum opening balance RM 5,000
Daily cash withdrawals Up to RM 5,000 for Citibank customers and RM 10,000 for Citigold customers.
Interbank funds transfer (Interbank GIRO) RM0.10 per transaction
Notice: This will be waived (effective 24th March 2015) until further notice.
Complimentary monthly e-statement
Cash withdrawal, check balance and pay credit card bills at more than 11,000 MEPS ATM
Online e-Chat
Call-Me back function


Debit & ATM card
Check book

- For local checks received/deposited BEFORE 4pm, the funds will be available to customer the next business day*, provided the check deposited is not returned.

- For local checks received/deposited AFTER 4pm, the funds will be available to customer on 2nd business day*, provided the check deposited is not returned.

*Federal Territory holiday is not considered a business day for all states.

Citibank or Citigold Online

For the Citibank Account Terms and Conditions, click here.

  • i-Wealth Goal Planner Plan your life goals.
  • Citibank Online Convenient, secure & efficient banking at your fingertips!