Asset Management Products that Offers Solutions for Short Term to Long Term Investment Plans. Asset Management Products that Offers Solutions for Short Term to Long Term Investment Plans. Asset Management Products that Offers Solutions for Short Term to Long Term Investment Plans.

Wealth Solutions

From helping you build your wealth to protecting your investments, our comprehensive suite of world-class asset management products offers solutions for short term to long term investment plans.

PERSONAL ACCOUNTS

Innovative financial management solutions to help build and manage your wealth

Savings accounts in BHD, USD, GBP and EUR

A savings account with Citi provides the following services:

  • Interest is calculated on the minimum monthly balance.
  • Interest is credited to your account every month.
  • Withdrawals up to 1000 BD per day with free access via Citibank ATMs globally. For non-Citi ATMs this will be charged at 0 BD fee in Bahrain and 1 BD per transaction offshore.
  • Available in BHD, USD, GBP and EUR currencies.
  • 24 Hour Citiphone Banking service, Citibank Online banking and mobile banking.

Building up your savings starts with choosing the right savings account.

Tier-wise Interest rates for BHD Citibest Accounts:

  • 0% for 0 to 37,499 BHD
  • 0.55% BHD for 37,500 to 199,999 BHD
  • 0.50% BHD for 200,000 to 999,999 BHD
  • 1.25% BHD for 1,000,000 + BHD

Tier-wise interest rate for other currency Citibest Accounts:

  • 0% for 0-9999 USD/GBP/EUR
  • 0.15% for 10,000+ USD
  • 0% for 10,000+ GBP/EUR

LONG TERM INVESTMENTS

Diversify your investments across countries and prepare investment plans based on risk and returns.

Enjoy a wide selection of bonds issued by reputable organizations worldwide with tenors and currency denominations to achieve your long term investment goals.

  • Fixed Rate Bonds - These bonds pay the same amount of interest for their entire tenure, providing you with greater investment certainty.
  • Floating Rate Bonds - These bonds have a variable interest rate that are typically tied to market interest rates. When the reference market interest rate increases, the interest return may increase accordingly and vice versa
  • Zero Coupon Bonds - A zero coupon bond makes no periodic interest payment, but instead it is usually offered at a discount from its face value. The return will be reflected from the gradual appreciation of the bond which is redeemed at face value on maturity date

This website does not constitute any offer or solicitation to buy or sell any investment product. Investors should refer to the relevant offering document(s) for detailed information and applicable terms and conditions prior to subscription. The customer acknowledges that Citibank entities and its sales persons may be entitled to be paid a fee or otherwise receive a commission or any other form of compensation (whether in cash or in kind) in connection with the customer's purchase of any of the abovementioned products. Investment products are not bank deposits or obligations or guarantees by Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by any governmental or quasi-governmental body, agency or entity. Investment and Treasury products are subject to investment and are subject to risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors’ home currency. Investment and treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If a customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable.

Earn interest rate for placing your money for a fixed term.

  • Minimum deposit of BHD 1000 or its equivalent in USD or GBP
  • Tenors including; 1 week, 2 weeks, 3 weeks, 1 month, 2 months, 3 months, 6 months, 9 months and 1 year
  • Select various tenors to suit your needs ranging from 7 days to 1 year
  • Product available for local and major currencies: BHD, USD and GBP

The above rates are subject to change. Citibank’s General Terms and Conditions apply, are subject to change and are available upon request. Prior to booking, varying or withdrawing a Term Deposit, please refer to the current General Terms and Conditions. On the opening of a Time Deposit, Citibank will issue a confirmation advice stating the principal sum, the term and the rate of interest payable. Interest on the deposit will be paid on maturity. The Time Deposit is subject to the minimum balance limit determined by Citibank from time to time. Unless otherwise instructed by the Customer on or before the date of maturity, a Time Deposit may, at Citibank’s discretion, be automatically renewed for like periods of time at the interest rate determined by Citibank to be in accordance with prevailing market returns in respect of such deposits. Where a Customer withdraws a Time Deposit early this will be subject to the payment of a fee, penalty and/or charge as Citibank deems appropriate in the circumstances and which may be modified from time to time. Early withdrawal of Time Deposits is subject to the provisions of the General Terms and Conditions. Citibank shall deduct a fee of up to AED 50 from the amount of interest earned where there is any early withdrawal of a Time Deposit. The Customer acknowledges that Citibank may at its discretion vary the provisions applicable to early withdrawal of Time Deposits including but not limited to the interest rate and the basis of calculation of the interest rate applicable from time to time. All securities and property held by Citibank in the Customer’s name, including time deposits, may be held as security for the payment of any amounts due to Citibank from the Customer.

Mutual Funds are professionally managed investment vehicles that pool capital from many investors to invest in multiple stocks, bonds and other securities.

Click here to view a full list of mutual funds.

A Systematic Investment Plan (SIP) is designed to help you accumulate wealth by investing in equities through smaller fixed amounts at regular intervals. There are a number of benefits to building a SIP, all which will help you achieve your financial goals.

  • Investing systematically means you are buying fewer units when equity markets are high and more units when the markets are low, thereby bringing down your average cost
  • You can choose from various funds spread across asset classes
  • Unlimited fund replacement options and no exit/surrender charges (for class A) in case you wish to redeem your investments
  • Given the low minimum monthly contribution, you can easily include SIP without altering your monthly budgets or lifestyle while making contributions towards building your financial future

This website does not constitute any offer or solicitation to buy or sell any investment product. Investors should refer to the relevant offering document(s) for detailed information and applicable terms and conditions prior to subscription. The customer acknowledges that Citibank entities and its sales persons may be entitled to be paid a fee or otherwise receive a commission or any other form of compensation (whether in cash or in kind) in connection with the customer's purchase of any of the abovementioned products. Investment products are not bank deposits or obligations or guarantees by Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by any governmental or quasi-governmental body, agency or entity. Investment and Treasury products are subject to investment and are subject to risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors’ home currency. Investment and treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If a customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable.

Structured Products are designed to help you diversify portfolios and limit downside risks. It benefits you by generating potential income and returns.

  • Structured Notes are flexible in structure and can be tailored to play out with your investment strategies.
  • Returns on Structured Notes are linked to the performance of one or more underlyings, such as a particular equity, index, commodity, foreign exchange rate, interest rate, mutual fund or others, or a combination of any or all of them.
  • Structured Notes may compose of diverse derivatives and fixed income investments.

This website does not constitute any offer or solicitation to buy or sell any investment product. Investors should refer to the relevant offering document(s) for detailed information and applicable terms and conditions prior to subscription. The customer acknowledges that Citibank entities and its sales persons may be entitled to be paid a fee or otherwise receive a commission or any other form of compensation (whether in cash or in kind) in connection with the customer's purchase of any of the abovementioned products. Investment products are not bank deposits or obligations or guarantees by Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by any governmental or quasi-governmental body, agency or entity. Investment and Treasury products are subject to investment and are subject to risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors’ home currency. Investment and treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If a customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable.

INSURANCE

Customised solutions to help you protect what matters most

Futura is an offshore flexible whole of life insurance policy offering high levels of protection and a wide range of additional benefits.

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Futura is underwritten by Zurich International Life and Citibank is its' registered Appointed Representative. Zurich International Life Limited is registered in Bahrain under Commercial Registration no. 17444 and is licensed as on Overseas Insurance firm – Life Insurance by the Central Bank of Bahrain.

The information and descriptions contained in the above are not complete descriptions, but are for general information purposes only. Insurance products are subject to exclusions, special terms and conditions and medical underwriting requirements (as applicable) contained in policy documents. Insurance products are optional and underwritten by insurers, subject to terms and conditions of each policy. The information contained herein does not constitute any recommendation, endorsement or confirmation by Citibank, N.A. or any of its affiliates and representatives ("Citi"), of the insurance products offered by the insurers. Citi does not underwrite or issue insurance policies. Citi is not responsible for rejection of any application/claim. Citi's responsibility is limited to providing customer support by way of receiving payments from the customer and forwarding them to the insurer, in addition to making such insurance products available to the customers. New policies can be cancelled subject to terms and conditions of each individual policy. Citi from time to time receive payments from 3rd party product providers with an aim to sponsor internal training seminars for Citi's sales personnel, client events and product promotions. Further information regarding these arrangements is available on request from your Relationship Manager. If policies are cancelled within 30 days from issuance of the policy, customers are entitled to a refund of premium paid only after adjustment of loss in valuation of units (transfer charges may apply). Investment and insurance products are not bank deposits or obligations or guaranteed by Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries. Investment and insurance products are not insured by any governmental or quasi-governmental body, agency or entity. Investment products, including investment linked insurance products and treasury products are subject to investment risk, including possible loss of principal amount invested. The savings component of the insurance product may be subject to risk and loss, is not guaranteed to achieve a specific return and is subject to early termination valuations and penalties that may cause loss in the capital invested by the customer. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments, insurance and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors' home currency. Investment, insurance and treasury products are not available to U.S. persons. All applications for insurance, investments and treasury products are subject to terms and conditions of the individual investment, insurance and treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advice and is not responsible for advising him/her on the laws pertaining to his/her transaction. In addition to terms and conditions of the insurer under each policy, Citi terms and conditions apply, are subject to change with prior notice and are available upon request. Citibank, N.A., Bahrain Branch is an Appointed Representative of Zurich International Life Ltd.

International Term Assurance is a term life insurance policy where the coverage amount remains fixed for the full tenor.

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Invest Plus helps you prepare you to save on regular basis over medium to long term. The flexible platform of the product lets you decide how much and in which currency you wish to invest, gives access to your capital by allowing, regular withdrawals or partial surrenders and helps to secure your future through adding optional benefits such as additional life cover, accidental death benefits and waiver of premium benefits.

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Wealth Accumulation Plan is a simple investment plan wrapped with insurance that helps you grow your wealth at your own pace.

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The information and descriptions contained in the above are not complete descriptions, but are for general information purposes only. Insurance products are subject to exclusions, special terms and conditions and medical underwriting requirements (as applicable) contained in policy documents. Insurance products are optional and underwritten by insurers, subject to terms and conditions of each policy. The information contained herein does not constitute any recommendation, endorsement or confirmation by Citibank, N.A. or any of its affiliates and representatives ("Citi"), of the insurance products offered by the insurers. Citi does not underwrite or issue insurance policies. Citi is not responsible for rejection of any application/claim. Citi's responsibility is limited to providing customer support by way of receiving payments from the customer and forwarding them to the insurer, in addition to making such insurance products available to the customers. New policies can be cancelled subject to terms and conditions of each individual policy. Citi from time to time receive payments from 3rd party product providers with an aim to sponsor internal training seminars for Citi's sales personnel, client events and product promotions. Further information regarding these arrangements is available on request from your Relationship Manager. If policies are cancelled within 30 days from issuance of the policy, customers are entitled to a refund of premium paid only after adjustment of loss in valuation of units (transfer charges may apply). Investment and insurance products are not bank deposits or obligations or guaranteed by Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries. Investment and insurance products are not insured by any governmental or quasi-governmental body, agency or entity. Investment products, including investment linked insurance products and treasury products are subject to investment risk, including possible loss of principal amount invested. The savings component of the insurance product may be subject to risk and loss, is not guaranteed to achieve a specific return and is subject to early termination valuations and penalties that may cause loss in the capital invested by the customer. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments, insurance and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors' home currency. Investment, insurance and treasury products are not available to U.S. persons. All applications for insurance, investments and treasury products are subject to terms and conditions of the individual investment, insurance and treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advice and is not responsible for advising him/her on the laws pertaining to his/her transaction. In addition to terms and conditions of the insurer under each policy, Citi terms and conditions apply, are subject to change with prior notice and are available upon request. Citibank, N.A., Bahrain Branch is an Appointed Representative of Zurich International Life Ltd.