As a Citigold Private Client customer, your tastes are sophisticated; and the lifestyle and experiences you choose exclusive and unbound by geographies, consistent with the global mindset that you have. Designed for the global citizen in you, the Citigold Private Client World Elite Debit Mastercard avails to you global access and privileges, and helps you do good while doing well.
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Enjoy the power of wealth today
At Citigold Private Client, we understand that wealth goes beyond simple accumulation. It's about the comfort in the knowledge that everything stays stable during good times and bad, so you have the power to fully pursue and enjoy your passions and ambitions, anytime.
Discover global wealth opportunities when you bank internationally with us.
Designed for the global citizen in you
Start a Citigold Private Client relationship
Receive exclusive welcome rewards when you bank internationally with us.
Refer a friend to Citi
Invite your loved ones to start a wealth relationship with Citi and be rewarded with up to US$2,000*.
*T&Cs apply.
What are you looking to do?
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Accumulate my wealth
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Protect myself and my loved ones
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Preserve my wealth
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Enhance my lifestyle
When it comes to wealth accumulation, there are some key focus areas you could consider:
Portfolio advisory
Global wealth management solutions
Our personalized approach is to work with you to create an investment strategy that reflects your financial goals, timeframe and attitude to risk.
Expand your investment horizons and access our range of products with varying levels of risk and returns across global markets.
Deposits Account
Choose from a variety of our offerings to enjoy higher interest rates on your savings and suit your financial planning needs, even with options to hold it in your local currency.
Investment Products
Grow and build your wealth with Citi's wide array of wealth management solutions and investment products.
Citibank Portfolio Finance
Citibank Portfolio Finance enables you to borrow at competitive rates against a broad range of financial assets as collaterals, including cash and equivalents, equities, bonds, mutual funds and structured notes, to meet liquidity needs and investment opportunities.
Mortgage
Your search for an ideal property financing solution ends with Citi Mortgage. Our Mortgage Advisors and Mortgage Client Care Team are committed to partnering you throughout your mortgage journey with us.
Insurance
In partnership with AIA, we help you protect your wealth against unforeseen events in life and safeguard the legacy you want to leave for your loved ones, with our suite of insurance solutions and dedicated insurance specialists.
Investment products are not bank deposits, nor obligations of, nor guaranteed by Citibank Singapore Ltd, Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries, and are subject to investment risks, including the possible loss of the principal amount invested. Investment products are not insured products under the provisions of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011 of Singapore and are not eligible for deposit insurance coverage under the Deposit Insurance Scheme.
Past performance is not indicative of future results and prices and values can go up or down. Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal when foreign currency is converted back to the investors' home currency. Investors should therefore determine whether any foreign currency investment is suitable for them in the light of their personal investment objectives, financial means and risk profile. All subscriptions for Investment Products must be made on application forms accompanying the prospectus. Prospectuses are available from Citibank Singapore Ltd and the Fund Managers' offices.
Investors should read the prospectus before deciding whether to subscribe for or purchase units in the Investment Products. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to U.S. persons and may not be available in all jurisdictions.
Citibank full disclaimers, Terms and Conditions apply to individual products and banking services.
As you gain more and more from life, you would want to be assured that you are covered at every point with insurance strategies that are tailored to your needs – to protect your income, your assets, your business.
Asset Distribution
Family Protection
Be assured of your financial legacy with plans that set you and your family up for the future, no matter what you choose to pursue.
Secure peace of mind for yourself and your loved ones from anxiety and financial pressure, when the unexpected happens.
Protect your Family's Income
What happens if you are unable to work? Will your family still be financially secure?
Distribute your Assets
How can you give fairly? Will your loved ones be happy with your gift?
Plan for business succession
Will your company continue to have a healthy revenue stream? Are your key employees protected?
With your chief goals of growing and preserving wealth, you may find yourself looking far into your future – how to grow wealth, preserve it, and also spend it wisely during retirement.
Legacy Planning
Retirement and Savings
As partners on your wealth journey, we recognize the great responsibility that comes with your wealth.
Be assured of your financial legacy with plans that set you and your family up for the future, no matter what you choose to pursue.
Grow your wealth
Is your money working for you? Can you grow more to enjoy more, and perhaps give more?
Preserve your wealth
Is your wealth at risk during market fluctuations? Can losses be prevented?
Plan your retirement
What do you dream of doing in your golden years? Will you have enough to enjoy it?
The two key considerations for enhancing your lifestyle that may interest you are:
Global Banking Services
Lifestyle Privileges
When you achieve a certain level of success in life, you would want to enjoy all that this destination has to offer.
Start with global privileges that make the most of your worldwide Citigold Private Client status.
Citibank Global Wallet
Hold, transact and invest across multiple currencies with ease.
Citigold Private Client World Elite Debit Mastercard
Gain access to a broader range of meticulously crafted privileges designed to elevate your lifestyle and banking experience with us
Citigold Private Client Center
Exclusive services at your convenience. Visit our dedicated Citigold Private Client Centre at Asia Square when you need to attend to banking matters. Have a discussion about your portfolio with your Citigold Private Client Relationship Manager or simply sit back and enjoy a cup of coffee while you wait for your transactions to be completed.
Our Advisory
As a Citigold Private Client customer, enjoy access to a suite of wealth advisory tools, as well as global insights backed by over 350 Citi analysts worldwide.
Getting to know you and your needs
Your dedicated Citigold Relationship Manager puts you and your needs at the core of the Gold Conversation. Your Relationship Manager will have an in-depth conversation to understand your current financial position, goals and needs, to determine a suitable investment portfolio for you.
Stay in control with a 360° view of your portfolio
Portfolio 360° is a personalised investment portfolio analysis tool designed to provide a holistic multi-asset view of your portfolio. This tool combines the expertise of our key proprietary tools, portfolio risk evaluator, bond advisory, and equity analysis within a single touchpoint, providing you with convenience and confidence to make well-informed decisions. The Portfolio 360° analysis helps you to understand the risk-reward profile of your existing and preferred portfolios, enabling you to further explore suitable investment opportunities with your Senior Relationship Manager and Investment Counsellor.
What you can expect from Portfolio 360°:
- Comprehensive views of sub-asset classes, breakdown of investment products including unit trusts, equities, and fixed income
- Incorporate external investments that you may have for a more complete analysis of your overall portfolio
- Perform comparative portfolio analysis in asset allocation, historical performance, and risk of current and re-balanced portfolios
- Gain insights on portfolios in simulated periods of market stress such as the Global Financial Crisis and European Debt Crisis
- Analyse the cash flow of your bond portfolio and understand the impact of interest rate changes on the portfolio with and without leverage
Portfolio 360º is not a program or offering, but is a tool to recommend diversification that is meant for reference purposes only. Portfolio 360º is: (i) not binding on part of the customers; (ii) not monitored by Citibank with respect to customers’ individual investment holdings; and (iii) not personalized to the specific needs of any individual customer. It is important to note that while recommendations based on Portfolio 360º represent our best thinking in terms of asset allocation and diversification, they serve only as a guideline for investors based on certain risk profiles. Market movements, changing market views, time horizons and liquidity constraints (among others) may result in your portfolio’s asset allocation deviating from the model allocation.
This website is for information only and does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering documents for detailed information prior to subscription. Investments are not bank deposits and involve risks, including the possible loss of the principal amount invested. Investors investing in investments denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. Investment prices may go down as well as up. Unless specified, these investments are not obligations of, guaranteed or insured by Citibank Singapore Limited, Citibank, N.A., Citigroup Inc. or any of its affiliates or subsidiaries, or by any local governmental or insurance agency. Investment Services are not eligible for U.S. persons and might only be applicable to limited jurisdiction.
Keep your wealth goals on track with Citigold Total Wealth Advisor tool
In life, we set goals to achieve our aspirations. The key is to stay on track and perfect them as you go along. Especially for growing your financial wealth.
The Citigold Total Wealth Advisor, a goal-based wealth advisory tool developed exclusively for Citigold and Citigold Private Client customers, helps you plan, monitor and manage your portfolio in one place.
- Set your wealth goals with your Relationship Manager, who will work closely with you to achieve your financial aspirations.
- Track how your portfolio value changes over time and monitor your goals' real-time progress, at your convenience.
- Modify as you go along by measuring your portfolio against Citigold Diversification Index and Citi's Model Portfolios and bring your goals back on track2.
Achieve your financial goals
With Citigold Total Wealth Advisor, set your wealth goals and track your progress at your convenience via Citibank Online or your Citi Mobile® App.
Speak to your Relationship Manager today.
1Portfolio stress test and customised alerts via Citibank Online and Citi Mobile® App are currently not available and will be introduced progressively.
2The term "Portfolio(s)" referred to in this document are merely references to illustrations of asset allocations in general and are not personalized to your specific investment needs. Your individual investment holding(s) will not be actively monitored by Citibank Singapore Limited and Citibank Singapore Limited does not undertake to, and is not obliged to, undertake a review, manage or monitor your investment holding(s) or to track your investment holding(s).
Gain confidence in every market situation
With the Portfolio Risk Evaluator tool, your Relationship Manager will check your portfolio's resilience and performance by running it through a 'stress-test' of simulated significant market events.
- Understand how your portfolio will perform during periods of adverse market conditions
- Provides an in-depth risk and return comparison between your existing and Citi's proposed portfolio under various scenarios
- Helps you understand your risk exposure and make more informed financial decisions
How diversified is your portfolio?
Using our in-house Citigold Diversification Index (CDI) tool, your Relationship Manager can provide you with greater insight into the diversification level of your existing investments, taking into consideration investments into various asset classes as well as the level of product holding concentration. Diversification aims to lower risk by spreading across various investments products as opposed to holding a single investment over a medium to a long time period. A well-diversified portfolio is better equipped to navigate market volatilities over time.
Invest across the globe
Whether you're looking for a truly global investment strategy or insights into the latest market developments, The Citigold Client Advisory Group will help you tap into wealth building opportunities from around the world.
Uncover market insights and stay updated with the latest market updates, thought leadership content on the go. Regardless of where you are on your wealth journey, you will be able to find relevant content and useful insights. Learn more here
Global Bank
Citi Wealth Insights
Find out more about global economic updates and stay up to date with our views on the latest financial trends from across the world.
Citibank Global Wallet
With Citibank Global Wallet, you can enjoy zero foreign currency conversion fees for your overseas and online spends. Plus, you can lock in FX rates when they are favourable for even better deals at checkout.
Citibank Global Transfer
Enjoy instant, fee-free global money transfers between your local or overseas Citibank accounts via the online service.
Global View of Accounts
Access and manage your local and overseas Citibank accounts simply and securely with a single view.1
Emergency Cash
If you need emergency cash while travelling, you can visit any of our Citigold® or Citigold® Private Client Centres and withdraw up to USD 10,000 instantly from your account.
Global ATM Access
Also, enjoy fee-free cash withdrawals from any Citibank ATM. Use your Citigold® Private Client Debit Mastercard to withdraw cash from any ATM that accepts Mastercard. ^2
Citi World Privileges
Discover the latest shopping, dining, and travel deals with your Citi Credit Cards.
24-Hour Citigold Private Client Service Line
+65) 6732-2288. We're always ready to assist you in your home language and can help pay your bills, undertake international money transfers and manage your account efficiently.
1. You need to register with the participating country's Citibank Online to start linking your accounts. Through Global View of Accounts, you will be able to have a summarised view of all your Citibank accounts in each participating country.
2. No overseas cash withdrawal processing fee from Citibank ATMs using Citibank ATM & Debit Card; prevailing foreign currency exchange rates and currency conversion fees apply. Subject to prevailing foreign currency exchange rates and a pre-set daily cash withdrawal limit of S$10,000. Customers of Citigold and Citigold Private Clients with Total Relationship Balance (TRB) above US$200,000 can enjoy fee-free cash withdrawal at any overseas ATM. A fee may be incurred when withdrawing from non-Citi ATMs.
Our Privileges
Wealth Management Seminars
Especially curated with your needs in mind, our Wealth Management Seminars are designed to equip you with the information you need to manage your wealth. Let our experts share Citi's market views and investment themes with you today.
Citigold Private Client Appreciation Events
Be invited to appreciation events specially put together for Citigold Private Clients.
Citigold Private Client Young Successor Program
Ensuring better success for the next generation. Give your children a head start in their careers as business leaders and register them for our exclusive and intensive Young Successor Program that will give them a chance to learn from the experts through talks, industry visits and networking sessions with CEOs.
Exclusive Benefits
As a Citigold Private Client customer, receive regular market updates, preferential foreign exchange rates and remittance charges, waiver of Cashier's Order charges and fee-free transfers to Citibank account overseas.
Preferential Hotel Rates
As our Citigold Private Client, you can look forward to enjoying preferential hotel rates when you visit Singapore. Indulge and make your stay in Singapore a memorable one every time.
AIA Altitude Programme
Enjoy preferential rates for executive health screening, will-writing services and more when you purchase eligible AIA insurance plans and qualify* for the AIA Altitude Programme. Speak with our Wealth Planning Managers to find out more, or learn more about the AIA Altitude Programme at AIA’s website.
*AIA Altitude Programme Disclaimer
In order to qualify for the AIA Altitude Programme, the qualifying total annualized premium of eligible AIA insurance plans owned by you must be a minimum of S$10,000 (premiums in foreign currency will be converted to SGD equivalent; such calculations to be made in accordance with the terms of this programme). This is subject to such other terms and conditions as may be imposed by AIA. Terms and conditions apply for each individual privilege offered under the AIA Altitude Programme.
Important Insurance Disclosures
The insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA") and distributed by Citibank Singapore Limited (“Citibank”). All insurance applications are subject to AIA’s underwriting and acceptance. Insurance products are not bank deposits or obligations of or guaranteed by Citibank or its related entities. Protected up to specified limits by SDIC. Citibank full disclaimers, disclosures and terms and conditions apply to individual products and banking services.
Your Team
Meet Your Personal Wealth Team. At Citigold Private Client, we provide the team, insights, tools, processes and the products you need for a disciplined approach to make your wealth a reality.
An investment expert, your dedicated Senior Relationship Manager is your main contact and is supported by an experienced group of specialists. By understanding your financial needs and priorities, they can help you take full advantage of the exclusive wealth building resources and many lifestyle and banking privileges that Citigold Private Client provides.
Your Senior Relationship Manager is partnered by your seasoned Investment Counselor who can help to draw up wealth plans and investment strategies that meet your financial goals – all while providing insights and advisory backed by Citi’s House views.
To ensure you have adequate protection for you and your loved ones.
Who can advise you on all foreign exchange and multi-currency solutions.
Start your wealth journey with a Citi account.
At Citi, we understand your aspirations and wealth goals evolve over time. That is why we offer a range of wealth advisory as well as products and solutions to suit your changing needs.
Citigold
Singapore Clients: AUM S$250,000 to < S$1.5 Million
IPB Clients: AUM US$200,000 to < US$1 Million
- Be supported by a dedicated Relationship Manager and team of specialists
- Set, track and modify your goals with the Total Wealth Advisor tool
- Manage your wealth on-the-go with the Citi Mobile® App
- Enjoy preferential rates and lifestyle privileges curated for you
- Be invited to market outlook and bespoke lifestyle events
Citigold Private Client
Singapore Clients: AUM S$1.5 Million and above
IPB Clients: AUM US$1 Million and above
- Be supported by a dedicated Senior Relationship Manager and team of senior specialists
- Gain access to a range of portfolio management and digital wealth tools, and enjoy preferential rates
- Manage your wealth on-the-go with the Citi Mobile® App
- Relish in a broad range of travel and lifestyle privileges
- Be invited to market outlook and bespoke lifestyle events
Important Insurance Disclosures
The insurance plans are underwritten by AIA Singapore Private Limited (Reg. No. 201106386R) ("AIA") and distributed by Citibank Singapore Limited. All insurance applications are subject to AIA’s underwriting and acceptance. This is only general product information provided and is not a contract of insurance. The information provided must be read with, and is subject to, all the terms and conditions and exclusions contained in the policy contract. These policies are protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the General Insurance Association Of Singapore (GIA)/ Life Insurance Association (LIA) or SDIC web-sites (http://www.gia.org.sg or http://www.lia.org.sg or www.sdic.org.sg). Please refer to full disclosures applicable to relevant product(s) and/or service(s).
Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured. For more information, please visit www.sdic.org.sg.
The promotions, products and services mentioned in the referenced document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey and Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The referenced document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the promotions, products and services mentioned therein to such individuals.
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Enjoy exclusive Welcome Rewards worth up to US$10,600* in cash when you join Citigold. *T&Cs apply.
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