Home > Internet Banking > User Guide
 
Login to check your account Information, make payments and do fund transfers, open an Unit Trusts or  a Time Deposit Account,  redeem rewards points,  request for a templine increase, apply for Flexi GIRO or sign up for Alerts!
User Guide
 

Are there any fees or charges for using Citibank® Online?
Citibank® Online is a service offered to all our customers, free. There are no additional charges to using Citibank® Online but note that all current charges and fees (eg remittance charges) continue to apply.

Back to Top

When can I use Citibank® Online?
Citibank® Online is available to you 24 hours a day, 7 days a week.

However, some or all of the services that may be accessed through Citibank® Online may not be available at certain times due to the maintenance of the Citibank system. In the event of such unavailability, please call our 24-Hour CitiPhone Banking on (65) 224-5757.

Back to Top

Signing on and off


Signing On for the First Time

Before you can access Citibank® Online, you'll need to complete an initial one-time Sign-On. Thereafter, future access into Citibank® Online will be easier. Do make sure you have read Investment Basic before you sign-on.

  1. Click on Citibank® Online Sign-On. This takes you to the sign-on screen in Citibank® Online.

  2. Select New User, then click Next.

  3. Enter your 16-digit Citicard Number (no spaces needed)

  4. Enter a Sign-On Name (eg your nickname)
    You can store your Sign-On Name in an encrypted format on your personal computer by clicking on the "save your sign-on information" box

    The benefit of choosing this option is that you will not need to re-enter your sign-on name the next time you use Citibank® Online. However, this applies only when you use the same personal computer as the one you had first stored your sign-on name.

    Hence, if you know that there will be other people with access to your personal computer, you may, for security reasons, choose not to store your sign-on name on your computer.

  5. Click Next. This brings you to the Citibank® Online User Agreement screen.

  6. Please read the Citibank® Online Terms and Conditions carefully before selecting "I Agree". (Otherwise, you can click on "I Disagree".)

  7. Enter your ATM PIN, then click Sign On.

  8. You're now ready to do your banking through Citibank® Online.

Back to "Signing on and off"
Back to Top

Future Sign-On
After you have completed your first sign-on, your subsequent sign-on process will be easy. If you are using the same personal computer as the one you had first signed on, your Sign-On Name will appear in the drop-box list. Simply choose your sign-on name and proceed as directed.

Back to "Signing on and off"
Back to Top

Can I add multiple User Profiles?
Yes. You can store as many user profiles as you like. Each user profile would have to have its own Sign-On Name, Citicard Identification Number and ATM PIN to access Citibank® Online.

Back to "Signing on and off"
Back to Top

Signing Off

To exit Citibank® Online, click on the Sign Off button on the top of the screen. This will end your Secure Citibank® Online session.

Back to "Signing on and off"
Back to Top

Time Out / Connection Closed
In Citibank® Online, there is a safety feature that automatically closes your Citibank® Online session if there is no activity after 4 minutes. This will help to prevent unauthorized access to your accounts should you be called away from your computer.

After 4 minutes of inactivity, Citibank® Online will display a message asking if you would like to extend your connection to Citibank® Online. If you respond within one minute, your connection will be extended. If not, your connection to Citibank® Online will be automatically terminated.

Back to Top

Navigating Citibank® Online
Citibank® Online uses a "point and click" method to navigate through the various screens. You can either click on the icons at the top of the screen or use the drop-box to go to your preferred option.
There are some common buttons used throughout Citibank® Online:

OK - confirms your selection or information
Back - returns you to the previous screen
Next - brings you to the next screen
Home - returns you to the first Citibank® Online screen
Cancel - stops the activity you are working on
Sign-Off - exits Citibank® Online

Back to Top

Account Information
At the moment, Citibank® Online only supports the following types of accounts: Checking, Savings, Time Deposits, Investment Funds, Housing Loan, Personal Loan and Citibank credit cards.

Through Citibank® Online, you will be able to see the following:


Account Summary

Displays a consolidated summary of all your accounts. In addition to the balance shown for each account, there is also a total balance for each product category. These will be shown in USD equivalents and the exchange rates used for calculating such USD equivalents are indicative only.

Back to "Account Information"
Back to Top

Account Details
Allows you to see the detailed balances of a selected account.

Back to "Account Information"
Back to Top

Account Activity
Displays all the activities related to an account, in the form of transaction journal entries, including the date of each activity and the amount. Details shown are up to 90 days, or a maximum of 50 transactions per account.

Back to "Account Information"
Back to Top

Can I get my account statement through Citibank® Online?
You may request for a copy of your account statement through Citibank® Online and this will be mailed to you.

Back to "Account Information"
Back to Top

What account statements can I request for?
You can request for the latest Citibank Account Statement and Citibank Visa card statement that have already been mailed to you.

Back to "Account Information"
Back to Top

Download Account Activity
You can download your Citibank account information and import it into your favourite personal financial management or spreadsheet program for further analysis.

To download means to transfer a file from Citibank's computer into your own computer. To import means to transfer the downloaded file into your personal financial management software.

If you are using a personal financial management software, we recommend that you first check the date of your last download and make sure that your requested date range does not overlap with the range of your previous file. Please note that only the last 90 days of activity will be available for download.

To begin the download, follow these 3 steps :

1. Select an account from which to download the activity
2. Determine the start and end dates defining the activity to retrieve
3. Choose the format in which the data will be saved into your computer

Citibank® Online supports 3 formats :

  • QIF for Quicken® and Microsoft MoneyTM
    The Quicken® Interchange Format for importing account activity into a register of either the Quicken personal financial management software package or the Microsoft Money.

  • OFX (Open Financial Exchange)
    For importing account activity and ledger balance into Microsoft Money

  • CSV (Comma Separated Value)
    For saving and viewing information in spreadsheet and database software


Back to "Account Information"
Back to Top

Transfers and Payments

Transfers and Payments allow you to transfer funds or pay bills easily through Citibank® Online. Citibank will process your relevant instructions given on any day by the next business day unless otherwise specified by you

Can I transfer money between my accounts?
Yes, you can transfer money, within seconds, between your Citibank Singapore accounts that are linked to your Citicard. There is no limit to the amount that you transfer between your accounts per day if no foreign exchange is involved. Otherwise, the maximum amount for transfer is S$100,000 per day.

Back to "Transfers and Payments"
Back to Top

Can I transfer to another Citibank customer in Singapore?
Yes, up to a maximum of S$20,000 (or its equivalent in other currencies) per day through Citibank® Online. The exchange rate used will be shown before you decide to proceed with the transfer. This service is in real time, meaning that the transfer will be made as soon as you have completed the transfer.

For precautionary measures, if you'd like to transfer amounts larger than S$20,000 per day, please send us a separate instruction by selecting the option "Customer Service" followed by "Send a message".

Back to "Transfers and Payments"
Back to Top

Can I transfer / pay to an individual or organization in Singapore?
You can transfer money to anyone, eg your family or friend, or even an organization who has an account with another bank (other than Citibank) in Singapore. You can transfer money to a recipient who is already on your personal payee list (which you can set up yourself), or to someone not yet on your personal payee list. And the good news is that this service allows you to pay anyone, anywhere in Singapore even when you don't have your payee's account details.

If you know your payee's account details
You will need to enter the payee's Bank/Branch Code to complete the transfer. This code can be found when you click on the Find button. Then enter the first 3 letters of the recipient's bank name, followed by OK. Eg the first 3 letters of Citibank is "CIT". A list of banks that matches the first 3 letters will be displayed. Simply click on the bank you want, then press OK.

This service is in real time meaning that the transfer will be made as soon as you have completed the transfer. You can transfer up to a maximum of S$20,000 (or its equivalent) per day. For precautionary measures, if you'd like to transfer amounts larger than S$20,000 per day, please email us your request separately with the necessary details.

If you do not know your payee's account details
All you need to do is to give us your payee's name and address and what we will do is to cut a check and mail it to your payee.

We'll even let you indicate the special occasion for which payment is to be made and we'll mail the check in a special envelope just for you. These special messages include "Congratulations", "Happy Birthday" and "Specially for you"

See Demonstration on how to set up payee and transfer/pay to your payee

Back to "Transfers and Payments"
Back to Top

Can I transfer to my family members and friends?
Yes. If they are customers of Citibank Singapore, go to the option "Transfer to another Citibank customer".

If they are not Citibank customers, then go to "Transfer to another bank" option.

Back to "Transfers and Payments"
Back to Top

Is there a limit to the number of transfers I can make in a day?
No, there is no limit to the number of transfers you can make in a day.

Back to "Transfers and Payments"
Back to Top

Is there a maximum amount I can transfer within a day?
If you're transferring between your Citibank Singapore accounts, you can transfer any amount you wish. There is no limit imposed.
When transferring or paying to people or institutions in your payee list, including any Citibank Singapore customer who is not on your payee list, you can transfer up to a limit of S$20,000 a day.

Back to "Transfers and Payments"
Back to Top

How do I know my instructions have been received by Citibank?
A confirmation screen will appear once you have clicked "OK" to the instruction details. You may also choose to click on the Printout button on the top navigation bar to print a record of all your transactions made during your Citibank® Online session.

Back to "Transfers and Payments"
Back to Top

How long does it take to fulfil a funds transfer instruction?
If you are transferring funds to any Citibank account (other than a loan or credit card account), your payee will receive the funds immediately.

For Citibank loan / credit card accounts and payees in other banks in Singapore, Citibank will process your instruction at the end of each business day and will remit the funds on the next business day.

If you are remitting to a bank outside Singapore, the normal fulfillment time is 2 business days to process your instruction.

See Demonstration on how to get up payee and transfer/pay to your payee

Back to "Transfers and Payments"
Back to Top

How do I set up a personal payee list?
Before you can send a payment, your payee must first appear on your payee list. To create a payee list, select the Transfers and Payments channel and choose Add a new Payee. Then follow the instructions to Add a new Payee.

Your personal payee list contains 3 types of payees: to another Citibank customer, to another bank and common payees. Common payees are domestic merchants located in Singapore and this list is created and maintained by Citibank.

Back to "Transfers and Payments"
Back to Top

How many payees can be set up?
There is currently no limit to the number of payees you can set in your personal payee list. In addition to using this for bill payments, you can also set up names of people you send money to from time to time, eg to your son / daughter studying overseas, or to a charity organization.

Back to "Transfers and Payments"
Back to Top

Opening New Accounts
You can open a new Time Deposit, Savings Account or Checking Account via Citibank® Online.


What is the minimum deposit?
For Time Deposits - minimum initial deposit is US$50,000 or its equivalent in other currencies.

For Savings and Checking accounts - minimum initial deposit is US$5,000 or its equivalent in other currencies.

Back to "Opening New Accounts"
Back to Top

What currencies are available?
For Time Deposits -

Singapore $ (SGD) US$ (USD)
Australian $ (AUD) Canadian $ (CAD)
New Zealand $ (NZD) Euro (EURO)
Hong Kong $ (HKD) Sterling Pound (GBP)
Japanese Yen (JPY) Swiss Franc (CHF)
The Savings Account is available in S$ as well as other foreign currencies*:
Singapore $ (SGD) US$ (USD)
Australian $ (AUD) Canadian $ (CAD)
New Zealand $ (NZD) Euro (EURO)
Hong Kong $ (HKD) Sterling Pound (GBP)
Japanese Yen (JPY)  

* Non-SGD Savings Accounts are not available to Singapore residents.
The Checking Account is available in USD and SGD.

Back to "Opening New Accounts"
Back to Top

How do I open a new Time Deposit?
Go to the option "Customer Service" and click on "Open a Time Deposit". Then select the relevant Unfixed Time Deposit and its corresponding currency. The interest rate for the various deposit amounts will be displayed for your information.

To establish a new Time Deposit, simply fill in the details in the spaces provided. To credit funds into this new Time Deposit, you'd need to transfer your funds from an existing Citibank Singapore account; eg your Savings or Checking account. Note that this applies only if your source account and your new Time Deposit account are in the same currency. Before opening the account, you will be asked to key in your ATM PIN.

You can also give instructions on how you would like to handle your principal deposit and interest, upon maturity of your deposit, by clicking on the appropriate instruction provided.

To open a new Time Deposit account in a different currency from your source account, you will need to send us your instruction through "Send a Message" under Customer Services.

Back to "Opening New Accounts"
Back to Top

How do I open a new Savings or Checking account?
Go to the option "Customer Service" and click on "Open a Savings Account" or "Open a Checking Account".

Complete the relevant spaces provided with details of the new account. To credit funds into this account, you can choose one of the following ways: transfer from an existing Citibank Singapore account, send a check or draft or via telegraphic transfer.

You should also indicate the signature requirements for this new account: Single, Joint - anyone to sign or Joint - all to sign.

Back to "Opening New Accounts"
Back to Top

Send and Read Emails


How do I send emails to Citibank?

First go to Customer Services; under Messages, click on "Send a Message".

Then select a subject for your message. A ready list of subjects will be displayed in the drop box for your selection. These include :

  • Request for brochures / application forms
  • Enquiry on product promotions
  • Enquiry on statement billing (credit card)
  • Enquiry on transaction (Ready Credit and Banking)
  • Enquiry on payment / deposit
  • Enquiry on funds transfer
  • Enquiry on insurance
  • Request for change of address
  • Feedback / general enquiry

Each message you send will have a reference number that you can use for further correspondence.

Back to "Send and Read Emails"

Back to Top

Can I compose emails offline?
At present, Citibank® Online does not support offline messaging. However, you can compose email messages in other programs such as a word processor and copy the text into Citibank® Online.

Back to "Send and Read Emails"
Back to Top

When will my instructions via emails be processed?
All instructions pertaining to your account will be processed by the next business day. However, do note that proof of any transmission via Citibank® Online does not constitute proof of receipt by Citibank.

Back to "Send and Read Emails"
Back to Top

How do I read my email messages?
When you log on to Citibank® Online, you will be automatically informed if you have new messages waiting for you. To read these messages, go to Customer Services, and click on "Read New Messages".

For each message, you can choose to Save or Delete the message. If you choose to Save your messages, they will be stored in your list of "Saved Messages". If you choose to Delete your messages, they will be removed permanently and they can't be retrieved in future.

Back to "Send and Read Emails"
Back to Top

Print My Records

Can I print details of my account information?
Yes. When you view your Account Activity, Account Summary or Account Details, there is a "Print Record" option at the bottom of the screen. To print, simply click on "Print Record".

This will bring you a new page detailing your account information. Click on the "File" menu at the top of your screen, and then click on "Print".

Back To "Print My Record"

Back to Top

How do I print a summary of my transactions?
All you have to do is click on "Summary Record" at the top of your Citibank® Online screen. You can do this any time during your Citibank® Online session. To print, go to the File menu at the top of the screen and click on "Print".

Back To "Print My Record"
Back to Top

Can I still print a summary if I had accidentally signed out before printing?
Citibank® Online allows you to print a summary of your transactions anytime during your session, as well as at the end of your session.

When you click on "Sign-Off" at the top of the screen, there will be message asking if you'd like to exit the secure Citibank® Online session. After you click on OK, there will be another message asking you if you'd like a summary of your transactions. If you'd like to have a print-out, just click on OK.

Back To "Print My Record"
Back to Top

 
 
 


Citibank.com
Citigroup Privacy Promise
Terms, conditions, caveats and small print
Copyright © 2002 Citicorp