One debit card to multiple currencies!
Shop online, pay for your in-store purchases and withdraw cash in 13 currencies without currency conversion costs.
With a free of charge Citibank Global Wallet, your debit card is smart enough to know in which currency you are transacting in.
Payments in 13 currencies
Now with one click you can open a currency account in 13 currencies and pay in store and online all over the world with one debit card.
ATM withdrawals
Thanks to Citibank Global Wallet, you can withdraw cash from any ATM all over the world with no currency conversion costs.
Pay with one card in many countries:
South African rand
Pay with one card in many countries:
Debit card payments at merchants and online
| Transaction currency | Conversion charges | Condition |
| PLN, USD, EUR, GBP, CHF, AUD, CAD, SEK, NOK, DKK, CZK, HUF, ZAR. | No Bank’s conversion charges will apply. No Mastercard’s conversion charges will apply. | Make sure you have sufficient balance in your eligible currency account. |
| All other foreign currencies | No Bank’s conversion charges will apply. Mastercard’s conversion charges will apply. | Link your debit card to your EUR currency account for the time of the transaction. Make sure you have sufficient balance in your EUR account. |
Get Started
Do you hold a personal account with Citi Handlowy?
- YES
- NO
1. Activate Citibank Global Wallet in Citi Mobile®
Activate Citibank Global Wallet in the Citi Mobile app.
Please remember to ensure sufficient funds in your foreign currency account when you pay or transact in a foreign currency. If there are insufficient funds in your foreign currency account, your transaction will be settled in your primary default account to which your debit card is linked.
2. Now open a currency account
You can open a currency account by yourself on Citi Mobile® or Citibank® Online.
- Citi Mobile
- Citibank Online
- After you log in, click on Citibank Global Wallet at the bottom of your screen.
- Add a currency account to your Citibank Global Wallet in one of the 13 available currencies.
- Log in and click on PERSONAL ACCOUNTS and then select Open a currency or savings account.
- Then, specify whether it will be a join or individual account.
- Select Current account and specify a currency in which you want to open your account.
- Click Confirm.
Aren’t you a Citi Mobile® user yet?
Download Citi Mobile ® 
Learn more and click FAQ
- What is Citibank Global Wallet?
Citibank Global Wallet is a new service linked to your Citi debit card. It enables purchases in your country or selected currencies abroad online, cash withdrawals from ATMs without conversion. Our system automatically recognizes the transaction currency and debits the right account.
Example: If you activate Citibank Global Wallet and being in the United States, you will make a transaction for USD 10, you will be debited exactly the same amount.
Global Wallet should be activated via the Citi Mobile mobile app. To do so, please log in to the Citi Mobile app and click on the “Enable” button on the first screen, next to the functionality.
You can execute transactions without currency conversion in the following 13 currencies: Polish zlotys (PLN), U.S. dollars (USD), Euros (EUR), Swiss francs (CHF), pounds sterling (GBP), Australian dollars (AUD), Canadian dollars (CAD), Swedish krona (SEK), Norwegian krone (NOK), Danish krone (DKK), Czech koruna (CZK), Hungarian forints (HUF) and South African rand — as long as you have accounts in these currencies.
You can open a foreign currency account on your own in Citibank Online or Citi Mobile. Transactions can also be executed in currencies other than those of your accounts. In that case, transactions will be converted and settled from an account set as a default account.
No. Citibank Global Wallet is a service activated on an existing debit card. Activation of the service does not result in issuing a new debit card.
In the case of a joint account, each joint holder sets their own default account for their card. Each co-holder may have a different or the same default account. Transactions are settled for each co-holder as described above.
If you have your own accounts (e.g. in PLN, EUR, USD, CHF and GBP) and you are a co-holder of other accounts in the same currencies, you may be asked to select one account for each currency when activating Citibank Global Wallet. Citibank Global Wallet or the system will automatically add to Citibank Global Wallet the foreign currency accounts to which you previously linked your card.
The foreign currency accounts that can be activated in Citibank Global Wallet can be found in the Citibank Global Wallet section in Citi Mobile.
A default account i san account to which your debit card is linked. You can link your credit card to your default account in the same way as to your other accounts. You can check how to do it here.
Citibank Global Wallet will recognize a currency of your transaction and will book it in your eligible account. If there are no sufficient funds in your eligible foreign currency account or if you make a payment in a currency other than the currencies of your foreign currency accounts, the transaction will be converted into the currency of your default account and posted there. You can set up only one default account
FX accounts can be credited via an instant transfer between own accounts, via Citibank Online platform or Citi Mobile app. You don’t have an FX account yet? Click here [https://www.citibankonline.pl/apps/acquisition/openaccount/ to open one.
Yes, it will still be possible to re-link a debit card between accounts. You can do it in order to select a default account to settle transactions in case of insufficient funds on an FX account or in case of transactions in currencies other than those of your FX accounts, e.g. in yens or in rubles.
To check which accounts are linked to your debit card, please go to Citibank Online or Citi Mobile.
The transaction will be settled in full and converted from a default account. If there are insufficient funds on your default account, the transaction will be rejected.
When withdrawing cash from ATMs or paying by card at points of sale outside of Poland, you have a possibility to use a Dynamic Currency Conversion (DCC) service, i.e. an automatic conversion of the transaction currency to a currency of the country where the card was issued, i.e. PLN. This is not a service provided by Citi Handlowy.
If your Citibank Global Wallet is active, when using DCC service you may incur additional costs arising from the unnecessary conversion into PLN. We recommend rejecting the DCC option to avoid additional commissions.
You can activate Citibank Global Wallet if you are a holder of no more than one active debit card. The sticker is another active debit card and therefore activating Citibank Global Wallet in this case will not be possible.
If you have an open FX account (e.g. in EUR), have sufficient funds and make transactions in the same currency, you will not incur any conversion-related costs.
If you do not have sufficient funds on FX accounts, the transaction will be settled from a default account maintained in a foreign currency. The situation is similar when you execute transactions in currencies other than currencies of your accounts. In such cases, the transaction will be converted to a default account currency, thus you will incur conversion costs. See the examples below:
Example #1:
Your default account is maintained in EUR and you have EUR 100 available there.
You buy a tea for EUR 3.
The transaction will be settled on your EUR account without conversion.
Example #2:
Your default account is maintained in PLN and you have PLN 400 available there.
You buy a bus ticket for EUR 1, but you do not have funds on your EUR account.
The transaction will be converted from EUR to PLN at the Citi Handlowy’s rate and settled on your default account (in PLN).
Why did this happen? Because there were no funds available on the EUR account and in such situations transactions are settled from a default account.
Example #3:
Your default account is maintained in PLN and you have PLN 400 available there.
You buy a coffee for JPY 100 (Japanese yen).
The transaction will be converted from JPY to EUR at the Mastercard’s rate and then from EUR to PLN at the Citi Handlowy’s rate and settled on your default account (in PLN).
Why did this happen? Because every transaction in a currency other than PLN, GBP, USD or EUR is settled from a default account, which in this case is in a currency other than the currency of transaction, so the conversion is always performed.
You can open a foreign currency account yourself in Citibank® Online or Citi Mobile®. To open a foreign currency account in Citibank Online, log in and choose Transfers from the top menu, and then click Accounts. Specify if the account you are going to open will be a joint or sole account. Next, select Current account and choose the currency of your new currency account. To open a foreign currency account in Citi Mobile, activate a free of charge Citibank Global Wallet and add a foreign currency account in one of the available currencies.
Due to security concerns, debit card transactions online require a separate activation. To this end, after you log into Citibank® Online, go to Services and Profile -> Manage card. Choose a debit card for which you would like to enable online payments and click Manage. Make sure the Online Payments button is marked with a tick. For even greater security, you can set a separate limit for your debit card online payments.
Global Wallet®
Мы сворачиваем программу Velocity Global Wallet®. Вы по-прежнему сможете тратить или снимать свои средства через банкоматы до 31 октября 2021 года и выкупать свои средства после этой даты. С 1 февраля 2021 года произойдут несколько важных изменений:
· Вы больше не будете зарабатывать очки Velocity Points через Global Wallet®
· Комиссии будут применяться к транзакциям в банкоматах и погашению средств
Использование Физических и Виртуальных карт было расширено в качестве любезности по отношению к вам и исключительно с целью сделать выкуп средств более удобным. Напоминаем, что с 30 июня 2021 года вы больше не можете запрашивать замену физической карты, и это остается без изменений.
Последняя дата, когда вы можете использовать свои Физические и Виртуальные карты, наступила.
продлен с 31 июля 2021 года и будет действовать до 31 октября 2021 года включительно. Ваша виртуальная карта останется доступной в приложении Global Wallet до 31 октября 2021 года включительно.
Однако последний день, когда вы можете совершать операции в валюте, отличной от австралийских долларов, — 26 сентября.
2021 г.
С 27 сентября 2021 года и до 31 октября 2021 года включительно вы сможете продолжать операции или снимать средства в банкоматах только в австралийских долларах.
28 сентября или около того, любой доступный остаток в иностранной валюте
Кошельки будут конвертированы в австралийские доллары. Ваши кошельки в иностранной валюте, отличные от австралийских, будут закрыты в то же время, а затем остатки в австралийских долларах будут переведены на ваш кошелек в австралийских долларах в течение семи дней.
С 1 ноября 2021 года вы не сможете использовать свои Физические или Виртуальные карты, и вы сможете запрашивать их получение ТОЛЬКО через Центр учетных записей.
Citibank Global Wallet
No matter where you go
Bank Smart, Stay Safe
Worrying about uncertain FX rates and handling fees while shopping either online at home or in your favorite countries? With Citibank Global Wallet turned on and sufficient foreign currency prepared at preferred rates, your overseas shopping without transaction charge starts sailing right now!
Activate Hong Kong’s first «Auto FX Top-up» function now, we will instantly buy the outstanding amount of foreign currency at Citi’s prevailing exchange rate from your Hong Kong Dollar account to top up Global Wallet when it goes low. Your overseas spending or cash withdrawal has no pause!
Available to all Citi clients with Citibank Debit Mastercard ® or Citibank Cirrus ® ATM Card:
12 currencies you can hold and transact in, and we will switch to the right currency for you:
How to “save & earn” with
Citibank Global Wallet?
1. Activate Citibank Global Wallet
Activate once and it will connect to your foreign currency accounts directly.
See how to activate
The service will also select the corresponding currency when you spend,
Meaning you don’t have to amend the setting every time.
*Citibank Debit Mastercard ® holders and did not make any Citibank Global Wallet spending transactions on or before November 30, 2021
Terms & Conditions apply. Click here
2. Lock in your preferred FX rates
Before your withdrawal or spending, prepare sufficient foreign currencies at your preferred FX rates with Citi Mobile ® App!
Exchange foreign currencies at your preferred rates via spot trade in Citi Mobile ® App 24/7, or pre-set your targeted rates and let us handle the rest for you.
- New clients: From now till December 31, 2023, new clients can enjoy the Bank’s Cost Price for all foreign exchange transactions within the first 3 calendar months from account opening, via Citi Mobile ® App FX Trading Platform. Terms and Conditions apply. Click here
- FX trading involves risks and rates may go up or down.
3. We don’t charge when you spend
You can withdraw and pay with the exchanged foreign currencies from your account directly while you are at overseas or shop online. Easy and convenient!
Overseas ATM Cash Withdrawal *
Withdraw foreign currencies at any overseas Citi or Mastercard network ATMs
- Mastercard network ATMs include Mastercard, Cirrus ® , Maestro ® . If customer withdraws cash at overseas Mastercard network ATM, a surcharge may be levied by the overseas ATM operator.
* Remember to activate both “Citibank Global Wallet” & “Overseas ATM Withdrawal Service” beforehand
Overseas spending and online purchases
You spend on your Citibank Debit Mastercard with Citibank Global Wallet, we waive the 1.95% foreign exchange handling fee — so you can save more as you shop more!
up to 3% cash rebate
- Remarks of “3% Cash Rebate”
- From now until September 30, 2023, clients can enjoy the up to 3% cash rebate by using Citibank Global Wallet to make eligible In-store retail purchases or online purchases settled in foreign currencies and activating the «Auto FX Top-up function» until December 31, 2023.
- Rebate(s) will be credited in phases to the eligible clients’ account subject to the transaction date(s). Terms & Conditions apply. Click here
Activate Now
Can’t wait to shop with Citibank Global Wallet?
Follow these 6 easy steps to activate the services and
enjoy the fee-free overseas spending now.
Get your Debit Mastercard Ready
Activate Citibank Global Wallet
Prepare Sufficient Foreign Currency
Turn On Overseas ATM Withdrawal Service
Turn On “Contactless Payment” and “Online Purchase”
Adjust Your Spending Limits
Log on to the Citi Mobile ® App
Tap 
Select “Apply for a Citbank Debit Mastercard” from “Profile & Settings”
Read and agree with the Terms and Conditions. Tap “Confirm” to proceed
Enter Citi Mobile Token Unlock Code or the One-time Password from the SMS for authentication
Your Citi Mobile Token or One-Time Password will then be automatically authenticated
Done! Your application is completed
Log on to Citi Mobile ® App and tap “Deposits”
Scroll down to Citibank Global Wallet and tap “Turn on”
Read and agree with the Terms and Conditions. Tap “Turn On” to activate the function
Done! Your Citibank Global Wallet is now ready
Click «Buy/Sell FX» or directly pick a currency pairing from your watchlist
Chose a settlement account if you have multiple accounts
Enter an amount to instantly place an order
Confirm transaction details, then place your order. You’ll get a SMS notification
Log on to Citi Mobile ® App, tap
Tap “Overseas ATM Withdrawal Service”
Tap the ATM card that you want to activate and tap “Activate”
Select the effective period and set the overseas daily ATM withdrawal limit, tap “Next”
Enter Citi Mobile Token Unlock Code or the One-time Password from the SMS for authentication
Log on to Citi Mobile ® App and select
Select “Manage ATM/ Debit Card Limit”
Select “Contactless Payment” and “Online Purchase”. Tap “ Confirm” to proceed
Enter Citi Mobile ® Token Unlock Code or the One-Time Password from the SMS for authentication
Your Citi Mobile ® Token or One-Time Password will then be automatically authenticated
You have successfully activated the “Contactless Payment” and “Online Purchase” Functions on your Debit Mastercard!
Log on to Citi Mobile ® App and select
Select “Manage ATM/ Debit Card Limit”
Select “Edit”, then select “Local ATM Cash Withdrawal”
Select your local ATM Cash Withdrawal Limit. Tap “ Confirm” to proceed
Enter Citi Mobile ® Token Unlock Code or the One-Time Password from the SMS for authentication
Your Citi Mobile ® Token or One-Time Password will then be automatically authenticated
You have successfully set your ATM Cash Withdrawal limit!
Log on to Citi Mobile ® App and tap “Foreign Currency Deposits”
Scroll down to Citibank Global Wallet and tap “Setting” button
Read and agree with the Terms and conditions. “Toggle On” to activate the Auto FX Top-up function
Done! Your Auto FX Top-up is now turned on
Frequently Asked Questions
Who can use Citibank Global Wallet?
As long as you are an individual customer holding Citibank Debit Mastercard or Citibank Cirrus ® ATM Card, you’re eligible to use Citibank Global Wallet, no matter you’re a customer of Citigold Private Client, Citigold, Citi Priority or Citibanking.
I’m a Citibank ATM cardholder. May I access all available functions of Citibank Global Wallet?
You can only make overseas ATM cash withdrawal through Citibank Global Wallet. If you also want to make overseas spending transactions through Citibank Global Wallet, apply for a debit card now.
Which foreign currency accounts can be linked to Citibank Global Wallet?
You can link your Currency Manager to Citibank Global Wallet. If you have more than one Currency Manager, please pick one during enrolment. Once you turn on Citibank Global Wallet, all Call Deposit in the linked Currency Manager will be enrolled for Citibank Global Wallet.
What should I do if I want to switch to another Currency Manager?
You may visit «Citibank Global Wallet» in «Profile & Settings» to turn off Citibank Global Wallet and then turn it back on. You’ll be given another chance to select one of the Currency Managers.
How can I add new foreign currency to Citibank Global Wallet?
Very simple! Just tap “+” under “Citibank Global Wallet”, select a currency, and then a zero-balance Call Deposit of the currency you pick will be created and added to Citibank Global Wallet. You can exchange the foreign currency whenever you find the rates favorable.
Should I buy foreign currencies only after turning on Citibank Global Wallet?
You may buy foreign currencies even before turning on Citibank Global Wallet. The service enrolment doesn’t necessarily precede currency exchange.
Do I need to turn off Citibank Global Wallet after traveling?
You don’t need to turn off Citibank Global Wallet after traveling. When you spend or withdraw Hong Kong Dollar, the default Hong Kong Dollar account will be debited even though Citibank Global Wallet is enabled.
Do I need to manually select the foreign currency Call Deposit each time when I transact in a different currency?
No, your debit or ATM card will automatically choose the right currency for you by matching the currency of the transaction or the withdrawal against the currency of the Call Deposit. You don’t need to switch between Call Deposit of different currencies manually.
What happens if I have turned on Citibank Global Wallet and there are insufficient funds in my Call Deposit when making an overseas spending transaction or ATM cash withdrawal?
The transaction or withdrawal will be declined if you have insufficient funds. You can buy foreign currencies via the Citi Mobile ® App immediately and make the transaction or withdrawal again. Remember to prepare sufficient funds in your Call Deposit before traveling or shopping!
What happens if my Currency Manager and/or the relevant Call Deposit are blocked at the time of transaction or withdrawal?
The transaction or withdrawal will be declined. Please contact us for details. In case of emergency, you may visit “Citibank Global Wallet” in “Profile & Settings” to turn off Citibank Global Wallet to switch back to the default Hong Kong Dollar account to proceed the transaction or withdrawal (but handling fee and/or conversion spread, as stipulated in the service fee booklet from time to time, shall apply).
What happens if I transact in or withdraw a foreign currency that Citibank Global Wallet doesn’t support?
Your default Hong Kong Dollar account will be debited. Handling fee and/or conversion spread, as stipulated in the service fee booklet from time to time, shall apply.
If the overseas merchant or ATM gives me the option of settling the transaction or withdrawal in foreign currency or Hong Kong Dollar, which option should I pick?
If you want to complete the transaction or withdrawal through Citibank Global Wallet, you should choose to settle in foreign currency. If you choose to settle in Hong Kong Dollar, the merchant or ATM operator will use its exchange rate to convert the foreign currency transaction or withdrawal to Hong Kong Dollar, your default Hong Kong Dollar account will be debited. You won’t be able to use Citibank Global Wallet for such Dynamic Currency Conversion (DCC).
How do I identify whether it is a cash withdrawal or transaction of Dynamic Currency Exchange (DCC) and what should I do?
Dynamic Currency Conversion (DCC) can occur when withdrawing cash overseas, making online or overseas transaction. If an exchange rate shows up or offers an option to convert HKD to foreign currency or settles in Hong Kong dollars, such kind of cash withdrawal or transaction belongs to DCC. It is recommended to decline this kind of cash withdrawal or transaction to avoid DCC and attempt to settle in foreign currency. Citibank Global Wallet does not support DCC.
Which account should I select on the overseas ATM’s screen during an overseas cash withdrawal?
Some overseas ATMs may give you the option of choosing which account to withdraw cash from. On such screen, no matter you select default account, savings account, or checking/currency account, the Call Deposit of the withdrawal currency from the Currency Manager linked to Citibank Global Wallet will be debited.
How will the refund of an overseas spending transaction be handled?
When processing the refund, we’ll endeavor to credit the refund (together with any handling fee previously charged) to the Call Deposit debited for the original transaction if the refund was made by the merchant using the same trace number and/or authorization code of the original transaction so that we’re able to trace the original Call Deposit. If, however for any reason, we’re unable to trace the original Call Deposit, the refund (excluding any handling fee previously charged) will be credited to the Call Deposit of the refund currency (which may be different from the currency of the original Call Deposit), or (if Citibank Global Wallet is turned off or unavailable at the time of refund processing) be credited to the default Hong Kong Dollar account (in which event currency conversion will be involved and you may suffer loss as a result).
Which ATM should I use to withdraw cash overseas?
You may withdraw cash at any overseas Citibank or overseas Mastercard network ATM no matter you’re holding the Citibank Debit Mastercard or Citibank Cirrus ® ATM Card. Mastercard network includes Mastercard, Cirrus and Maestro.
How do I find the overseas Citibank or overseas Mastercard network ATMs?
You may visit findmyciti.com to search for the location of overseas Citibank ATMs.
You may click here to search for the location of overseas Mastercard Network ATMs.
Is it really free for overseas spending transactions or ATM cash withdrawals made through Citibank Global Wallet?
Citi does not charge any handling fee for overseas spending transactions or ATM cash withdrawals made through Citibank Global Wallet. However, some overseas ATM operators may levy a surcharge in which your relevant Call Deposit will be debited to settle the surcharge.
Is there a transaction limit for overseas spending transactions made through Citibank Global Wallet?
Overseas and local spending transactions share the same set of transaction limits, including the point-of-sale transaction limit and the online purchase limit. You may visit “Manage ATM/Debit Card Limit” in “Profile & Settings” to check and change the limits anytime you want.
If I plan to withdraw cash overseas, do I still need to activate the overseas ATM cash withdrawal service after turning on Citibank Global Wallet?
You still need to activate the overseas ATM cash withdrawal service. View the steps here.
How can I check the transactions or withdrawals made through Citibank Global Wallet?
You can easily keep track of all your transactions or withdrawals performed by accessing the Citi Mobile ® App or Citibank Online, or viewing your monthly statement. In general, the transaction records of overseas ATM cash withdrawals are shown online by 11:59pm on the next business day.
Are overseas spending transactions made through Citibank Global Wallet eligible for the existing Debit Card Cash Rebate Program as stipulated on the bank’s website?
Although the transactions are not eligible for the existing Debit Card Cash Rebate Program, we may launch promotional offers from time to time to help you get the most out of Citibank Global Wallet. Stay tuned for our update!
Can I use Citibank Global Wallet when paying with Apple Pay or Samsung Pay?
Of course! Just add your debit card to your Apple or Samsung devices and make foreign currency transactions. You can then pay directly from your foreign currency accounts. Remember to turn on the online purchase function via Citi Mobile ® App if you want to make online or in-app transactions.
Citibank Global Wallet
Citibank Global Wallet allows you to make purchases overseas in-store or online, and withdraw cash from Citi proprietary ATMs without incurring foreign exchange and card commission fees.
With Citibank Global Wallet, your Citi Debit Card is smart enough to switch to the currency you are transacting in, allowing you to spend like a local globally.
Download the Citi UK ® Mobile App to get started
Make sure your multi-currency accounts are open,
ready for Citibank Global Wallet.
You can hold and transact in the following currencies
GBP
USD
EUR
SGD
AUD
CAD
CHF
JPY
HKD
NZD
Citibank Global Wallet for seamless multi currency banking
UK-based Dominic travels regularly between Tokyo, London and Hong Kong on business but spends like a local in all three.
Svetlana travels for leisure frequently between the US, Europe and the UK – with Citibank Global Wallet, she never worries about FX fees.
Ameena has discovered how to use Citibank Global Wallet for all of her online shopping on different foreign e-commerce websites.
Note: these are fictional characters for illustrative purposes
Get started
Speak to a Relationship Manager 0207 500 1992
Already with Citi? Contact your relationship manager or view product availability on Citi Online
Simply activate this feature on your Citi Mobile ® UK App to start transacting and enjoy the benefits.
Log into your Citi Mobile ® UK App
Turn on Citibank Global Wallet
Top up your multi-currency accounts and start spending like a local
Get more from your account
Citibank Global Wallet
Use your debit card to shop online, in store or withdraw cash in the local currency with Citibank Global Wallet. Follow prompts on the Citi Mobile ® UK App to turn on Citibank Global Wallet.
Get more from your account
Citibank Global Wallet
Use your debit card to shop online, in store or withdraw cash in the local currency with Citibank Global Wallet. Follow prompts on the Citi Mobile ® UK App to turn on Citibank Global Wallet.
Get more from your account
Citibank Global Wallet
Use your debit card to shop online, in store or withdraw cash in the local currency with Citibank Global Wallet. Follow prompts on the Citi Mobile ® UK App to turn on Citibank Global Wallet.
Get more from your account
Citibank Global Wallet
Use your debit card to shop online, in store or withdraw cash in the local currency with Citibank Global Wallet. Follow prompts on the Citi Mobile ® UK App to turn on Citibank Global Wallet.
Get the most from your Citibank Global Wallet
You can use your account, for purchases in several ways:
- Use your Debit Card for in-store transactions in Australia and overseas
- Pay for online transactions from any of your currency accounts
- Set up your Debit Card for payment platforms such as SamsungPay or PayPal ®
Buttons to Press when making a purchase
For an instore purchase — insert your Debit Card in the terminal and press «Credit» or «CR» button and your PIN to complete the transaction. This gives you the added protection of «Mastercard Zero Liability»
Refund and reversals — with your purchases
If you request a refund or reversal and the merchant agrees, make sure your Debit Card is linked to the same account you previously transected with.
How much can I spend each day?
Transfers and purchases are limited to the total available balance in your account. Please be aware that daily limits apply.
Please note: ATM and purchase limits vary between counties and currencies.
Before you travel overseas
If you use a diffrent mobile while overseas, we recommend register an alternate mobile number with us. Simply sign on to Citibank Online and Select «Services», «My Profile» and «Update Contact Details»
You can use your account, for purchases in several ways:
- Use your Debit Card for in-store transactions in Australia and overseas
- Pay for online transactions from any of your currency accounts
- Set up your Debit Card for payment platforms such as SamsungPay or PayPal ®
Buttons to Press when making a purchase
For an instore purchase — insert your Debit Card in the terminal and press «Credit» or «CR» button and your PIN to complete the transaction. This gives you the added protection of «Mastercard Zero Liability»
Refund and reversals — with your purchases
If you request a refund or reversal and the merchant agrees, make sure your Debit Card is linked to the same account you previously transected with.
How much can I spend each day?
Transfers and purchases are limited to the total available balance in your account. Please be aware that daily limits apply.
Please note: ATM and purchase limits vary between counties and currencies.
Before you travel overseas
If you use a diffrent mobile while overseas, we recommend register an alternate mobile number with us. Simply sign on to Citibank Online and Select «Services», «My Profile» and «Update Contact Details»
Foreign exchange
Citibank Global Wallet
Debit Card
Making purchases
You can use your account, for purchases in several ways:
- Use your Debit Card for in-store transactions in Australia and overseas
- Pay for online transactions from any of your currency accounts
- Set up your Debit Card for payment platforms such as SamsungPay or PayPal ®
Buttons to Press when making a purchase
For an instore purchase — insert your Debit Card in the terminal and press «Credit» or «CR» button and your PIN to complete the transaction. This gives you the added protection of «Mastercard Zero Liability»
Refund and reversals — with your purchases
If you request a refund or reversal and the merchant agrees, make sure your Debit Card is linked to the same account you previously transected with.
How much can I spend each day?
Transfers and purchases are limited to the total available balance in your account. Please be aware that daily limits apply.
Please note: ATM and purchase limits vary between counties and currencies.
Before you travel overseas
If you use a diffrent mobile while overseas, we recommend register an alternate mobile number with us. Simply sign on to Citibank Online and Select «Services», «My Profile» and «Update Contact Details»
Minimalise fees and charges
Account security
Frequently asked questions
What is Citibank Global Wallet?
Citibank Global Wallet is a new feature linked to your Citi Debit Card which allows you to make purchases abroad in-store/online, and withdraw cash from overseas ATMs without incurring foreign exchange and card commission fees. You can link accounts in 10 currencies to this new feature and just need to make sure you hold sufficient balances in the currency you’re spending in, in order to avoid fees.
For example, with Citibank Global Wallet turned on, if you are travelling to Switzerland and have a Swiss Franc (CHF) account with us, any CHF purchase will be automatically debited from your CHF account without foreign exchange or card commission fees.
How can I switch Citibank Global Wallet on
If you are an existing bank account holder, you can turn on Citibank Global Wallet by visiting Citi Mobile ® UK App. Once it is turned on, your Citibank Global Wallet will be automatically linked to your currency accounts.
How can I benefit from Citibank Global Wallet?
Citibank Global Wallet will help you save on foreign exchange and card commission fees, and is beneficial when you are:
- Travelling overseas for holidays, family visits or work
- Making online purchases from international websites
- Transferring foreign currencies for payments or investments
- Withdrawing money from ATMs abroad
For example, if you are making a 100 USD retail transaction online, it will be debited directly from your Citibank USD account. If you had bought USD in advance at your preferred rate of 0.82 USD/GBP, your transaction would be locked down at this specific rate.
* The above table illustrates the same retail transaction using a debit card without Citibank Global Wallet at spot rate (left) and a Citibank Global Wallet enabled debit card with foreign currency bought in advance (right). Rates used and displayed above are indicative and used purely for illustration purposes. No representation is made of actual rates charged during the transaction.
How many foreign currencies can I transact in?
In addition to Pound Sterling (GBP), you can transact in 9 other currencies – Euro (EUR), United States Dollar (USD), Swiss Franc (CHF), Japanese Yen (JPY), Australian Dollar (AUD), Canadian Dollar (CAD), Hong Kong Dollar (HKD), New Zealand Dollar (NZD), Singapore Dollar (SGD)
Do I need to manually link my foreign currency account to my debit card?
No, once you turn on Citibank Global Wallet, all of your existing eligible foreign currency accounts are linked to your Citi Debit Card, and overseas transactions will be automatically debited from your foreign currency account as long as there is sufficient balance.
What are the eligible Citibank accounts that can be linked to Citibank Global Wallet? Can I link multiple accounts in the same currency to my wallet?
You can link any of the following Citibank accounts to use your Citibank Global Wallet:
- Current/cash account (GBP, USD, EUR)
- Foreign Currency (FCY) Deposit account ( EUR, USD, CHF, JPY, AUD, CAD, HKD, NZD, SGD)
You can link multiple currency accounts to your wallet. For example, you can link a GBP FCY Deposit account and a USD Current account. However, you can only link 1 account of the same currency to your wallet. For example, if you have both a USD FCY Deposit account and a USD Current account, you are only able to link one of the two accounts to your wallet. You will be able to select the account you wish to link through your Citi Mobile® UK App.
Will foreign currency transactions be debited directly from my foreign currency accounts automatically?
Yes, once you have turned on Citibank Global Wallet, your point-of-sale/online purchases and overseas ATM withdrawals will be automatically debited from your foreign currency account as long as there is sufficient balance.
Is there any minimum deposit required to turn on Citibank Global Wallet?
No, Citibank Global Wallet does not require any minimum deposit for your accounts to be linked to your Citibank Debit Card. Simply turn it on using Citi Mobile® UK App to get started.
Are there any charges or transaction fees when using Citibank Global Wallet?
There are no foreign exchange or card commission fees with Citibank Global Wallet feature for overseas in-store/online purchases and ATM withdrawals, as long as you hold sufficient balances in the currency you’re spending in. You will also not incur transaction fees when you transfer funds to another Citibank account.
Please note that even after you have linked your Citibank Debit Card to your Citibank Global Wallet, you may still be given an option for currency conversion during overseas ATM withdrawals or purchases due to the Dynamic Currency Conversion (DCC) process imposed by other banks on overseas transactions. You should reject currency conversions options and choose the local currency of the country you are in to avoid incurring additional fees/charges.
How can I check on the transactions made in any foreign currency account?
You can easily keep track of all your transactions performed by accessing Citi Mobile® UK App.
Why am I still charged a fee when I transfer foreign currencies to an account overseas?
Payments and transfers to any Citibank account overseas via our Citibank Global Transfer (CGT) are fee-free. However, transfers to non-Citibank accounts overseas may incur a SWIFT fee per transaction, excluding any commission and handling charges by the Correspondent bank.
How do I top up my foreign currency accounts?
You can easily top up you foreign currency accounts via Citi Mobile ® UK App. Just transfer your existing funds into your desired foreign currency account at our competitive foreign exchange rates. Your transfer will be immediate and reflected in your foreign currency account instantly.
What is the minimum and maximum conversion amount when I top up my foreign currency account?
There is no minimum top-up amount. The maximum amount that can be converted per foreign currency transaction through your Citi Mobile® UK App is £25,000 for Citi Blue clients and £50,000 for Citigold and Citigold Private Clients.
Where can I see the exchange rate when topping up my account?
After selecting the account that you wish to top up in Citi Mobile® UK App, you will be able to view our competitive foreign exchange rates before confirming the transfer.
Is there a transaction fee when I top up my foreign currency account?
No, there is no transaction fee incurred for any currency exchange when you top up your foreign currency account.
What happens if I have turned on Citibank Global Wallet and there is insufficient balance in my foreign currency account when I make an overseas purchase / ATM transaction?
If there is no or insufficient balance in your foreign currency account, overseas purchases and ATM withdrawals will be debited from the Primary account linked with your Citibank Debit Card. Foreign exchange conversion and card commission fees on the converted amount may apply. The transaction will be declined if you have insufficient funds in your Primary account. Partial withdrawal or purchase is not available.
What happens if I have turned on Citibank Global Wallet and I do not hold a foreign currency account in the currency that I am spending in?
You need to make sure that you open & top-up a foreign currency account in the currency you’re spending in to benefit from Citibank Global Wallet. If you’re spending in the foreign currency that is not offered by Citibank Global Wallet service, you will be charged accordingly and foreign exchange charges/administrative fees may apply.
I am prompted to select a currency when paying for my overseas purchase / ATM withdrawal. Which currency do I need to select to avoid fees with my Citibank Global Wallet?
If prompted, always select to pay in the local currency of the country you’re spending in (e.g. Euro for France) to benefit from the Citibank Global Wallet feature.
For instance, you may be given a choice to select your preferred currency when making a payment on most online shopping websites. If prompted, select to pay in the local currency of the web retailer (e.g. if buying something on Amazon US, select to pay in US Dollar). The final currency that you will be charged in is usually shown during checkout.
Moreover, after you have linked your Citibank Debit Card to your Citibank Global Wallet, you may still be given an option for currency conversion during ATM cash withdrawals or POS transactions due to the Dynamic Currency Conversion (DCC) process imposed by other banks on overseas transactions. You should reject currency conversion options to avoid incurring additional fees/charges.
To continue using Citibank Global Wallet, simply top up your foreign currency account on Citi Mobile ® App for instant funding.
Is there a Transaction Limit for using Citibank Global Wallet feature?
Your daily transaction limit is set at £15,000 or equivalent in foreign currency at the prevailing exchange rate on the day of the transaction.
Are there any third-party charges I should be aware of when making an overseas ATM withdrawal?
Although Citibank Global Wallet is designed to help you avoid foreign exchange and card commission fees, certain overseas non-Citi ATM withdrawals may still be subjected to administrative fees by third-parties (e.g. acquiring bank or associations that own the overseas ATM) at their sole discretion. Please ensure that you are always aware of these additional third-party charges.
I am prompted to select an account type on an overseas ATM screen for a cash withdrawal– which account type should I select?
Certain overseas banks may give you the option to select an account type for your cash withdrawal. It is usually a choice between a ‘Current/checking account’ or a ‘Savings account’.
If prompted, select ‘Savings Account’ for withdrawals in CHF, JPY, AUD, CAD, HKD, NZD, SGD. For withdrawals in USD and EUR, select ‘Checking/Current Account’ if your EUR/USD account linked to Citibank Global Wallet is a Current Account, and select ‘Savings Account’ if your EUR/USD account linked to Citibank Global Wallet is an FCY Deposit Account.
I have enabled Citibank Global Wallet and my ATM withdrawals stopped working in the UK. What should I do?
Due to specifics of the UK ATM network, you need to make sure that you have selected a GBP account as your Primary account post turning on Citibank Global Wallet, in order to withdraw cash from UK ATMs.