There's more to wealth

Your passions, your relationships with the people close to your heart and the legacy you aspire to leave behind – these are how you define your sense of true worth and what guides us as your wealth partner. Start your wealth journey with Citigold today.

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Start a Citigold relationship

Receive exclusive welcome rewards when you begin your wealth journey with us.

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Rewards and Promotions

Enjoy exclusive promotions and privileges as a Citigold customer.

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Refer a friend to Citi

Invite your loved ones to start a wealth relationship with Citi and be rewarded with up to S$2,000*.

*T&Cs apply.

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What are you looking to do?

Accumulate my wealth
Protect myself and my loved ones
Preserve my wealth
Enhance my lifestyle

When it comes to wealth accumulation, these are some key focus areas you could consider:

Portfolio diversification

Personalized wealth solutions

Our personalised 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.

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Investment Products

Grow and build your wealth with Citi's wide array of wealth management solutions and investment products.

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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.

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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.

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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.

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The promotions, products and services mentioned are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man, the UK, Brazil, New Zealand, Jamaica, Ecuador or Sri Lanka. The information herein 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 herein to such individuals.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

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.

Life Insurance Solutions

Explore life insurance solutions to help you grow and protect what matters most

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Personal Accident Plans

Protect yourself and your loved ones against accidents, critical illnesses and more

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Credit Insure Gold

Cover your outstanding balances in the event of critical illness and more

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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.

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Legacy Planning

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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.

Retirement Insurance Plans

Futureproof your lifestyle with the right income and protection plans.

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Legacy Protection Plans

Maximise your wealth with lasting protection that stretches to the next generation.

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Savings Insurance Plans

Get assurance for your health and wealth when you safeguard against uncertainties.

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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 status.

Citibank Global Wallet

Hold, transact and invest across multiple currencies with ease.

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Citigold Debit Mastercard

Packed with all the features you're used to. The convenience you want. Protection you need. Plus a range of additional benefits.

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Citi Wealth Hub

An exclusive wealth management experience awaits. See wealth from a new perspective. Explore Our Citi Wealth Hub and Citi Wealth Centres, dedicated to Citigold and Citigold Private Client customers.

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What it means to be an Accredited Investor with Citigold

Services available to an Accredited Investor
Who qualifies as an Accredited Investor*?

Diversified
wealth
opportunities

Access to a more comprehensive
range of financial products
and services available only to Accredited Investors

Access to a
team of wealth
experts

Connect with an experienced
Relationship Manager and a team
of wealth experts who will
partner you to achieve
your wealth goals

WIDE
RANGE OF
INVESTMENTS

Trade in Bonds, Structured
Notes and restricted Investment
Funds without the minimum
S$200k per transaction
requirement

Accredited Investors are assumed to be better informed, and better able to access resources to protect their own interests and therefore require less regulatory protection. Investors who agree to be treated as accredited investors therefore forgo the benefit of certain regulatory safeguards. When the bank deals with Accredited Investors, Citibank is exempt from complying with certain requirements under the Financial Advisers Act, 2001 (“FAA”) of Singapore and the Securities and Futures Act, 2001 of Singapore, and related regulations, notices and guidelines that are meant to provide regulatory safeguards to retail clients. This includes, but is not limited to, a number of business conduct requirements such as Disclosure of Product Information (Section 34 of FAA), Reasonable Basis for Investment Recommendation (Section 36 of FAA), and Disclosure of Certain Interests in Securities (Section 45 of FAA), and which sections client cannot rely upon in relation to any civil claim against Citibank or a Citigroup company. Investors should consult a professional adviser if they do not understand any consequence of being treated as an accredited investor.

As an Accredited Investor, client is responsible for any and all suitability and reasonableness decisions on investments, including any advice on product suitability received from Citibank. Learn more about the effect of being treated as an Accredited Investor at www.citibank.com.sg/AccdInv(opens in a new tab) > Schedule 2.

An Accredited Investor is an individual who meets the requirements set out under the Securities and Futures Act, 2001 of Singapore and opts in to be treated as an Accredited Investor by the bank. To qualify, the individual will need to fulfil one of the following criteria below:

Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency). Applies to primary account holder.

*Subject to meeting Accredited Investor eligibility criteria. Visit www.citibank.com.sg/AccdInv(opens in a new tab)  for details on eligibility criteria and for more information about opting in as an Accredited Investor.

How does one opt in as an Accredited Investor in Citi?

Existing Customers

If you are an existing Citigold or Citigold Private Client customer, please reach out to your Relationship Manager who will guide you on the Accredited Investor opt-in process.

Not banking with us yet?

Start your wealth relationship with us and enjoy exclusive welcome rewards.

Your dedicated Relationship Manager will guide you on the Accredited Investor opt-in process.

Join Citigold (opens in a new tab)

Our Advisory

As a Citigold client, you will enjoy access to a range of advisory tools, as well as global insights backed by 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.

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 clients, 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.

Unlock more opportunities as an Accredited Investor

Being an Accredited Investor lets you gain full advantage of the opportunities and wealth products that are not available to retail investors.

Expanded investment opportunities. Enjoy access to a wider range of financial products and services, including more sophisticated products to meet your bespoke wealth needs.
Access to a team of dedicated wealth experts. You can count on a dedicated Relationship Manager and a team of wealth specialists to partner you to achieve your wealth goals.

Who qualifies as an Accredited Investor^*?

To benefit from being an Accredited Investor with Citigold, satisfy one of the following criteria:

Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency). Applies to primary account holder.

Not yet a Citigold customer? Start your wealth journey with us and opt in as an Accredited Investor today. You also get to enjoy welcome rewards when you join Citigold(opens in a new tab) now.

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.

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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.

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Citibank Global Transfer

Enjoy instant, fee-free global money transfers between your local or overseas Citibank accounts via the online service.

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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. Subjected to 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

Lifestyle Privileges

Live the life you build. Tickle your tastebuds. Indulge in retail therapy. Pamper yourself. Travel in style.

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Citigold Debit Mastercard® Privileges

For all the things life has in store. Packed with all the features you're used to. The convenience you want. Protection you need. Plus a range of additional benefits.

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Citi World Privileges

Enjoy attractive deals at the world's leading hotels, retail shops, restaurants, tourist attractions and more

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Your Team

THE GOLD RELATIONSHIP

Our Journey Together. Our wealth management partnership begins with knowing you and aligning ourselves to your goals. Your dedicated Relationship Manager supported by a team of experts will provide insights and guidance that will help keep you on track to meet your financial goals.

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

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For Singapore Clients > (opens in a new tab)

For International Personal Bank Clients > (opens in a new tab)

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

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For Singapore Clients > (opens in a new tab)

For International Personal Bank Clients > (opens in a new tab)

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(opens in a new tab) or http://www.lia.org.sg(opens in a new tab) or www.sdic.org.sg(opens in a new tab)). Please refer to full disclosures(opens in a new tab) 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(opens in a new tab).

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 up to S$8,600* welcome rewards when you join Citigold. ^*T&Cs apply.

Join Citigold today (opens in a new tab)

There's more to wealth

Start a Citigold relationship

Rewards and Promotions

Refer a friend to Citi

What are you looking to do?

Deposits Account

Investment Products

Citibank Portfolio Finance

Mortgage

Insurance

Disclaimer

What it means to be an Accredited Investor with Citigold

Diversified wealth opportunities

Access to a team of wealth experts

WIDE RANGE OFINVESTMENTS

How does one opt in as an Accredited Investor in Citi?

Existing Customers

Not banking with us yet?

Our Advisory

The Gold Conversation

Analysis

Stress Test

Review

Global Investor

Digital Library

Unlock more opportunities as an Accredited Investor

Who qualifies as an Accredited Investor*?

Not yet a Citigold customer? Start your wealth journey with us and opt in as an Accredited Investor today. You also get to enjoy welcome rewards when you join Citigold(opens in a new tab) now.

Global Bank

Citi Wealth Insights

Citibank Global Wallet

Citibank Global Transfer

Global View of Accounts

Emergency Cash

Global ATM Access

Footnote

Our Privileges

Lifestyle Privileges

Your Team

Dedicated Relationship Manager

Service Relationship Manager

Investment Counselor

Insurance Specialist

Mortgage Specialist

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

Citigold Private Client

Disclaimers:

Enjoy up to S$8,600* welcome rewards when you join Citigold. *T&Cs apply.

Diversified
wealth
opportunities

Access to a
team of wealth
experts

WIDE
RANGE OF
INVESTMENTS

Who qualifies as an Accredited Investor^*?

Enjoy up to S$8,600* welcome rewards when you join Citigold. ^*T&Cs apply.