Citi is committed to making its terms and conditions and other important information clear and transparent.
Please take some time to read through the information in this section carefully and contact us if you would like further explanation.
"We", "us" and "our" means Citibank Europe plc, UK Branch, Citibank N.A., London Branch, Citibank N.A., Jersey Branch and Citi International Personal Bank. "Citi" means Citigroup Inc and its subsidiaries (including Citibank Europe plc, UK Branch, Citibank N.A., London Branch, Citibank N.A., Jersey Branch and Citi International Personal Bank).
You understand that by accessing this Site you agree to be bound by the website terms and conditions. Please note that the products and services provided by Citi are subject to specific terms and conditions.
Unless specifically stated otherwise in these terms and conditions, we shall not be liable to you for loss you may suffer in respect of the Site and any information on it, or in connection with the access of, use of, performance of, browsing in or linking to other sites from this Site or your use or inability to use the Site where your loss results from our breach of our duties or liabilities under the Financial Services and Markets Act 2000, negligence, wilful default of these terms and conditions, or fraud.
To the fullest extent permitted by law, we will accept no liability (whether in contract, tort or otherwise) in any other circumstances for loss of any kind, including (without limitation) direct, indirect, incidental, special or consequential damages, loss of any profit, goodwill or reputation, expenses or losses arising out of, or in connection with any error, omission, defect, computer virus or system failure, of whatever nature howsoever arising, even if expressly advised of the possibility of such loss or damages.
Although we have taken all reasonable care to ensure that the information provided on this Site is accurate, we give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information.
This Site may also contain some material provided by third parties and we accept no responsibility or liability for the accuracy of such material, whether in contract, tort or otherwise.
Opinions and any other content of the Site are provided by us for your personal use and informational purposes only. They are subject to change without notice.
This Site does not contain information that is intended to be investment, legal, tax or other advice and should not be relied upon in making any investment or other decision. You should obtain relevant and specific professional advice before making any investment decisions.
We may for any valid reason alter the contents of, suspend or terminate access to the Site. We will use all reasonable efforts to ensure that all information on the Site is accurate and up to date. However no representations or warranties are given as to the reliability, accuracy and completeness of such information and you agree that we shall not be liable to you or any third party for any losses of whatever nature howsoever arising from any modification, suspension or discontinuation of the Site.
This Site is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation. None of the services or investments referred to in this Site are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation. It is your responsibility to inform yourself about and observe any relevant local restrictions. In particular, the information contained on this Site is not directed at persons resident in the USA.
From time to time we may provide hyperlinks on this Site that may lead to websites maintained by third parties over which we have no control. The material on these websites has been produced by independent providers, which are not affiliated with Citi. Any opinions or recommendations expressed on third party sites are solely those of the independent providers, not of Citi. Any links to third party sites are provided solely as a convenience to you and at your own risk and we do not guarantee or give any warranty with respect to the information contained on such third party sites or sites linked to such sites. You agree that we shall not be liable for any losses of whatever nature arising from your reliance upon such information. We will make you aware when you are about to access these links and it will be your sole choice and at your own risk to proceed and access the link.
The content of this Site is the property of Citibank N.A., and/or its licensors and is protected by copyright and other intellectual property laws. It may be displayed, reformatted and printed for your personal, non-commercial use only. In using this Site you agree not to reproduce, retransmit or distribute the content of this Site to anyone without the prior written consent of Citibank N.A.,
CITI, Citibank and Arc Design, CITIBANK and CITIGROUP are trademarks and service marks of Citicorp and are used and registered throughout the world. Citibank N.A., Citigroup Inc. and their subsidiaries also claim rights in certain other trademarks and service marks contained in these web pages.
Messages sent over the Internet cannot be guaranteed to be completely secure as they are subject to possible interception or loss or possible alteration. Citi is not responsible for them and will not be liable to you or anyone else for any damages or otherwise in connection with any message sent by you to Citi or any message sent by Citi to you over the Internet.
We may record and monitor calls made or received by us to maintain high quality service standards, to check instructions and for your protection and ours.
If at any time you do not wish us to continue to contact you, please let us know.
The laws of England and Wales govern the use of this Site and these terms and you agree that the Courts of England and Wales shall have jurisdiction on any matter or dispute in connection with or arising out of this Site and these terms and conditions.
The conditions of access to Citi Online are set out in the General Terms and Conditions governing your account with Citi. You should ensure you have read these carefully, as this explains your rights and responsibilities in respect of your use of Citi Online.
If you have any questions, please contact your Relationship Manager before accessing Citi Online.
Not all of our products and services are available from all the jurisdictions in which we operate. Banking and investment services are made available through Citi licensed branches in London and Jersey and are limited to those which the relevant Citi branch has appropriate regulatory approvals to offer. Please note that London, Jersey and Switzerland have different legal, tax and regulatory rules (including different rules on investor protection). Clients considering these centres should seek independent advice as to which centre would be appropriate for their particular circumstances.
Clients with accounts with Citibank NA London Branch
The UK Financial Services Compensation Scheme (the “Scheme”) provides compensation in certain instances where we are unable, or likely to be unable, to satisfy protected claims against us. In such circumstances, the Scheme may provide compensation for claims relating to various services provided by us such as (i) deposit-taking; and (ii) designated investment business (for example, but not limited to, if we give advice in relation to a particular product, arrange for an investment in a particular product, or execute a transaction). However, the Scheme is governed by specific rules on compensation which determine your eligibility, the circumstances in which compensation will be available to you, and the limits on compensation payable to you. Any recovery under the Scheme is therefore subject to your specific circumstances, the nature of your claim and the specific rules of the Scheme. Most customers – including most individuals and small businesses – are covered by the Scheme. Claims under the Scheme in relation to deposits and designated investment business are subject to maximum limits on compensation. These are published from time to time on the Scheme’s website. It is not possible to claim an amount in excess of the maximum limit even where the financial loss suffered or the amount of initial deposit or investment is higher. The compensation limit for deposits as at 1 January 2016 is £75,000 per client per authorised firm. For joint Cash Accounts each Account Holder is treated as having a claim in respect of their share so, for a joint Cash Account held by two eligible depositors, the maximum amount that could be claimed would be £75,000 each (making a total of £150,000). The £75,000 limit relates to the combined amount in all of your Cash Accounts with us, including your share of any joint Cash Account, and not to each separate Cash Account. The compensation limit for designated investment business as at April 2014 is £50,000 per client per authorised firm. The £50,000 limit relates to the combined amount applicable to designated investment business undertaken by us for you. Up-to-date information on the limits applicable under the Scheme is available at: www.fscs.org.uk. For the avoidance of doubt, if you are an eligible depositor or eligible claimant to whom the Scheme applies and you satisfy the necessary conditions under the Scheme, the compensation amounts that may be payable to you under the Scheme will be payable to you regardless of whether the Denominated Currency of your Account or the base currency of your investment is sterling or some other currency. Please note that financial instruments which are not deposits for Scheme purposes are not protected in the same manner as deposits. This means that should the issuer or product provider of such a financial instrument fail to pay under the instrument or the instrument falls in value, you would not be entitled to any compensation under the Scheme from us solely on the basis of such a failure or such fall in value. Scheme cover may be available for claims against a party who provides designated investment business to you where the claim is directly related to the provision of that designated investment business, for example if you have a claim against us in relation to such designated investment business and we are unable to meet our obligations under that claim. We will provide further information on the conditions governing compensation and the formalities which must be completed to obtain compensation upon request. More detailed information on the Scheme is also available from the Scheme’s website: www.fscs.org.uk or you can contact the Scheme at 7th Floor, Lloyds Chambers, Portsoken Street, London E1 8BN (Tel: 020 7741 4100; E-mail: firstname.lastname@example.org. uk). You will not be entitled to compensation from the compensation scheme administered by the Federal Deposit Insurance Corporation (“FDIC”) if we cannot meet our obligations to you.
Clients with accounts with Citibank Europe plc UK Branch
The Irish Deposit Guarantee Scheme and Investor Compensation Scheme (the “Irish Schemes”) provide compensation in certain instances where Citibank Europe plc, UK Branch is unable, or likely to be unable, to satisfy protected claims against it. In such circumstances, the Irish Schemes may provide compensation for claims relating to various services provided by Citibank Europe plc, UK Branch such as deposit taking and investment business. However, the Irish Schemes are governed by specific rules on compensation which determine your eligibility, the circumstances in which compensation will be available to you, and the limits on compensation payable to you. Any recovery under the Irish Schemes is therefore subject to your specific circumstances, the nature of your claim and the specific rules of the Irish Schemes. Claims under the Irish Deposit Guarantee Scheme in relation to deposits are subject to maximum limits on compensation of€100,000. We will separately provide you with details on the Irish Deposit Guarantee Scheme. In relation to any client money owed to or belonging to you and held by us on your behalf, and investment instruments belonging to you, and held, administered or managed by us (including certain assets in connection with insurance mediation services provided to you by us), in the event that Citi is unable to meet its obligations to its clients, you may be entitled to claim compensation equivalent to 90% of the value of those assets up to a maximum of €20,000 under the Irish Investor Compensation Scheme, in accordance with the Irish Investor Compensation Act 1998, as amended from time-to-time. Additional information on the Investor Compensation Scheme is available from the Irish Scheme’s website: www.investorcompensation.ie, or you can contact the Irish Scheme C/o Central Bank of Ireland, PO Box 11517, Spencer Dock North Wall Quay, Dublin 1 (Tel: +353 1 224 4955; Fax: +353 1 894 4614; Email: email@example.com). Citibank Europe plc, UK Branch has supplemental cover under the UK Financial Services Compensation Scheme (the “UK Scheme”) arrangements in relation to the investment and insurance mediation services provided by Citi. As such, to the extent you have a claim which exceeds the limit of the Irish Scheme, you may be eligible to ‘top up’ your claim under the UK Scheme up to the limits set by the UK Scheme. Currently, for protected investment business, the UK Scheme provides for a return of 100% of losses up to a maximum of £50,000. Subject to approval from the FSCS the supplemental cover for protected non-investment insurance business, the UK Scheme provides 100% of the loss with no upper limit where claims: (a) arise in respect of a liability subject to compulsory insurance; or (b) arise in respect of a liability subject to professional indemnity insurance; or (c) arise from the death or incapacity of the policyholder due to injury, sickness, or infirmity;
Where claims arise under other types of policy, the UK Scheme provides for the return of 90% of the loss with no upper limit. Additional information on the UK Scheme and eligibility to claim is available from the UK Scheme’s website: www.fscs.org.uk, or you can contact the UK Scheme at Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU (Tel: +44 20 7741 4100; Email: firstname.lastname@example.org). You will not be entitled to compensation from the compensation scheme administered by the Federal Deposit Insurance Corporation (“FDIC”) if we cannot meet our obligations to you.
Clients with accounts with Citibank NA Jersey Branch
All obligations hereunder are payable solely at Citibank N.A., Jersey Branch, subject to the laws of Jersey (including any governmental actions, orders, decrees and regulations). Citibank N.A., Jersey Branch is a participant in the Jersey Banking Depositor Compensation Scheme (‘DCS’), which offers protection for eligible deposits of up to £50,000 but only applies in respect of “eligible depositors”, which includes individual natural persons, but does not, for example, include corporate clients or trustees. The DCS only applies in respect of “eligible deposits” which means cash deposits held with a bank in Jersey, such as Citibank N.A., Jersey Branch, but will not, for example, include any deposits held in banks outside Jersey or any investments held in Jersey or elsewhere. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the DCS are available on the States of Jersey website (www.gov.je/dcs) or on request. For the avoidance of doubt you will not be entitled to compensation from the compensation scheme administered by the Federal Deposit Insurance Corporation (FDIC) or the UK Financial Services Compensation Scheme if we cannot meet our obligations to you. In addition, in the liquidation or other resolution of a U.S. insured depositary institution (of which Citibank, N.A. is one), deposits in U.S. offices and certain claims for administrative expenses and employee compensation are afforded a priority over other general unsecured claims, including deposits in offices outside the U.S.
Depositors with Citibank N.A., London branch and/or Jersey branch or Citibank Europe plc, UK Branch are not entitled to compensation from the compensation scheme administered by the US Federal Deposit Insurance Corporation (FDIC).
Prospective investors are advised that investment products carry risks. The risks outlined on this site are not intended to be a complete list of all risks and considerations relevant to our investment products or your decision to purchase. Before purchase, you will be made aware of the risks associated with your product.
Investments are not bank deposits, and are neither obligations of, nor guaranteed by, Citi, or any of its affiliates, unless otherwise stated. They are subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results; investments can go down as well as up. This means you might get back less than you invested. Stock market investments should be viewed as a medium-term to long-term investment (at least five years).
Changes in rates of foreign exchange may cause the value of investments to go up or down. Investors investing in investment products denominated in non-local currency may be subject to risk of exchange rate fluctuations if the investment is not in your home currency, which could result in loss of principal if converted back to your home currency.
All credit will be subject to the legislation enforceable in the jurisdiction in which it has been granted. Citi credit facilities are only available to those individuals who are of the legal age of majority. Written quotations are available on request. All credit facilities are subject to status, terms and conditions and repayable on demand. Interest rates are variable.
Your security is very important to us.
We have gone to great lengths to ensure that your transactions with Citi Online are completely secure, so that your account is safe. Our security features use the very latest technology and processes.
Citi currently uses 3 forms of security to help safeguard your financial information. These are described below:
All data sent to and from Citi is 'scrambled' and then 're-assembled' between Citi and your personal computer to protect your personal and financial information. Your PIN does not travel on the Internet during login authentication, and the session is Triple DES encrypted. This means nobody can intercept your PIN while you are using Citi Online.
Your password must be entered every time you sign on to Citi Online. Remember, you must always keep your password and PIN confidential. You must not record you password on any software which retains it automatically, for example any "save password" feature on your Internet browser. In addition, you must not access Citi Online from any computer connected to a local area network of any public internet access device or access point without making sure that no-one else will be able to observe or copy your username, password or other security information.
There is a security feature intentionally built-in to the system, which will terminate your secure Citi Online session when there is no activity for reasonable time. This is to help protect your account against unauthorised access. Remember, once you have logged on to Citi Online you should not leave your computer unattended or allow anyone else to use our computer until you have logged off. You are responsible for ensuring you have logged off at the end of each session.
Citi also ensures security of your banking account and ATM/debit card by using a Fraud Early Warning System (FEWS). We use our worldwide experience and technology to provide you the safest services.
Some simple steps you can take to ensure your security – we recommend you print these tips and keep them handy. These apply in addition to the terms set out in the General Terms and Conditions, which governs your use of Citi Online.
3 key tips to remember:
Additional security tips:
Citibank Europe plc is authorised by the Central Bank of Ireland and by the Prudential Regulation Authority. It is subject to supervision by the Central Bank of Ireland, and subject to limited regulation by the Financial Conduct Authority and the Prudential Regulation Authority. Details about the extent of our authorisation and regulation by the Prudential Regulation Authority, and regulation by the Financial Conduct Authority are available from us on request. Citibank Europe plc, UK Branch is registered as a branch (registration number FC032763) in the register of companies for England and Wales. The registered address in the UK is Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. Citibank Europe plc is registered in Ireland with number 132781, with its registered office at 1 North Wall Quay, Dublin 1. Citibank Europe plc is regulated by the Central Bank of Ireland. Ultimately owned by Citigroup Inc., New York, USA. © Citibank N.A. 2016. CITI, CITI and Arc Design are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.
Citibank N.A., London Branch is authorised and regulated by the Office of the Comptroller of the Currency (USA) and authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request. Our firm reference number with our UK regulators is 124704. Citibank N.A., London Branch is registered as a branch in the UK at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB. Registered number BR001018. Citibank N.A. is incorporated with limited liability in the USA. Head office: 399 Park Avenue, New York, NY 10043, USA. © Citibank N.A. 2014. CITI, CITI and Arc Design are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.
Citibank N.A., Jersey Branch is regulated by the Jersey Financial Services Commission. Citi International Personal Bank is registered in Jersey as a business name of Citibank N.A. The address of Citibank N.A., Jersey Branch is P.O. Box 104, 38 Esplanade, St Helier, Jersey JE4 8QB. Citibank N.A., Jersey Branch is a participant in the Jersey Banking Depositor Compensation Scheme (the "DCS"), which offers protection for eligible deposits of up to £50,000 but only applies in respect of "eligible depositors", which includes individual natural persons, but does not, for example, include corporate clients or trustees. The DCS only applies in respect of "eligible deposits" which means cash deposits held with a bank in Jersey, such as Citibank N.A., Jersey Branch, but will not, for example, include any deposits held in banks outside Jersey or any investments held in Jersey or elsewhere. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the DCS are available on the States of Jersey website (www.gov.je/dcs) or on request.
Citibank N.A. is incorporated with limited liability in the USA. Head office: 399 Park Avenue, New York, NY 10043, USA. © 2016, Citibank N.A. CITI, CITI and Arc Design are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.