Please only continue with this application journey if you are assisted by a
Citigold Acquisition Manager. Otherwise, please click here to start an application.

I am interested to start:
(Please select your preferred segment)
Start a Citigold relationship today and be rewarded with up to S$6,976+ cash rewards.
  • Receive S$100+ when you apply for an account online.
  • Receive an additional S$100+ when you complete the fact find report and goal setting session with your Relationship Manager and S$250+ Wealth Activation Booster when you purchase a minimum of S$25,000 Investment or Insurance by the end of the Welcome Period.

+Citi Welcome Programme Terms and Conditions Apply
I would like to open the following account(s):
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Agent ID

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Referral Source

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Product Benefits

Every action earns you bonus interest

Spend and earn

0.2% p.a.

  • Spend S$250 monthly on your Citibank Debit Mastercard

Invest and earn

0.8% p.a.

  • Achieve your financial goals when you invest a lump sum of S$50,000 in Unit Trust, Bonds or Structured Notes

Insure and earn

0.8% p.a.

  • Protect your loved ones when you insure with a single premium of S$50,000

Borrow and earn

0.8% p.a.

  • Take up a new home loan of at least S$500,000

Save and earn

0.2% p.a.

  • Increase your account’s average daily balance from previous month by at least S$3,000

For more information on Citi Wealth First account, click here.
Enjoy attractive interest rates and the convenience of a Debit Card

Attractive savings interest rates

Debit card with point-of-sale debit payment

For more information on Citibank MaxiSave Account, click here.
Get up to 0.31%* p.a. on your savings with the new Citi MaxiGain Savings account.
It’s a simple and easy way to grow your money.

Base Interest

0.01%# p.a.

  • For the entire account balance
  • No minimum balance is required to earn base interest

Bonus Interest

0.30%^ p.a.

  • Bonus interest rate that steps up monthly
  • Starting from 0.025% p.a. to 0.30% p.a.

Total Interest

0.31%* p.a.

How the interest rates add up:
Base Rate# (p.a.) Bonus Rate^ (p.a.) Total Interest Rate* (p.a.)

0.01%# p.a.

Counter 0 0.000% 0.010%
Counter 1 0.025% 0.035%
Counter 2 0.050% 0.060%
Counter 3 0.075% 0.085%
to to
Counter 11 0.275% 0.285%
Counter 12 0.300% 0.310%

Terms and conditions

Click here for the full terms and conditions.

#The base interest rate will be paid on the entire balance of your Citi MaxiGain Savings Account (“MaxiGain account”). No minimum balance is required to earn base interest.

^Your balances capped at S$70,000 shall accrue bonus interest at a rate (“Bonus Interest Rate”) that steps up each month, from 0.025% p.a. to a maximum of 0.3% p.a., calculated based on your lowest balance in the previous month, if the lowest balance in your MaxiGain account in a month is equal to or greater than the lowest balance in the previous month. The lowest amount of funds in your MaxiGain account at any point in time in a month shall be the “lowest balance” of that month. The “Counter” increases by 1 each time the Bonus Interest Rate steps up. No minimum balance is required in your MaxiGain account to earn bonus interest.

*By fulfilling the necessary conditions, you can achieve up to 0.31% interest p.a. (0.01% p.a. base + up to 0.3% p.a. bonus) from the 13th month onwards. For clarity, the 0.01% interest p.a. is applicable on the daily balance and up to 0.3% interest p.a. is applicable on the lowest balance in the previous month provided the necessary conditions are fulfilled.

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, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. 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.

Deposit Insurance Scheme:
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 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.

Citibank full disclaimers, terms and conditions apply to individual products and banking services.
Manage your foreign currency with ease and convenience.

Access your foreign currency at Citi ATMs worldwide with no additional processing fee

Pay using your Citibank Debit Card at point-of-sale or online, at no additional currency conversion fee

Convenient way to manage day-to-day transactional needs through Internet Banking, ATM, Automated Voice Response (AVR) and CitiPhone Banking

For more information on Global Foreign Currency Account (USD), click here.

Disclaimer

Deposit Insurance Scheme
Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$75,000 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 products and services mentioned in this document are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey , Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. This document is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.

Investment products are: Not Bank Deposits. Not Bank Guaranteed. May Lose Value. Not Insured By Any Government Agency. Investment products are not available to U.S. Persons. This is only general product information provided by us and is not a contract of Insurance. The information provided must be read with, and subject to, all the terms and conditions and exclusions contained in the policy contract. Full details are stated in the policy contract. You should seek advice from a qualified adviser if in doubt. If you choose not to, you are responsible for ensuring that any insurance product you have applied for is suitable for you. All insurance applications are subject to the insurer’s underwriting and acceptance. Insurance products are not bank deposits or obligations of or guaranteed by Citibank Singapore Limited, Citigroup Inc or any of their affiliates or subsidiaries. Buying a life insurance policy can be a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. Insurance products are not eligible for deposit insurance coverage under the Deposit Insurance Scheme. They may be protected under the Policy Owners’ Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (“SDIC”). For the list of insurance companies which are scheme members, please refer to this link - https://www.sdic.org.sg/pp_scheme_members.php. Coverage 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 visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg).

Citibank full disclaimers, terms and conditions apply to individual products and banking.