Unreliable, second time attempting to open account in last two years
After hearing the benefits of having the citiplus account/card, I definitely wanted to open an account with Citibank. The first time I signed up for the card was two months before travelling-a year and a half ago. I never received the card- after two months, I called on a weekly basis to check the whereabouts and progress of my card/account, and received the same reply “it’s in progress” “the account is open, but the card will be with you soon”- the day before travelling I still hadn’t received the card so I cancelled the account, after 2 month...s of waiting. This time around I provided all required documentation and decided to give Citi A second chance a year later, I had to open a brand new account, it’s passed two weeks and they haven’t approved/confirmed my account- I spoke to them 5 times in the past two weeks- following all protocols,, they stated 1-4 business days the account will be open and I’ll receive my card wishing 1-2 weeks, it’s passed 10 business days, and my account still hasn’t opened. When I spoke to the operators I was met with the same response “You’ve provided all the information needed, please give us 3 business days” I’m leaving for my holiday in two weeks time, I applied one and a half months in advance, and am disappointed again- numerous phone calls later and still no confirmation. I would love to start banking with Citi, but if I can’t even open an account or receive the card to start, I’m assuming banking with them would be even worse. What a headache and disappointment.
5 to 7 days for card - not received
I was told 5 to 7 days to receive my card, today is working day 8 and besides receiving an initial email from Citibank saying they were processing my Citibank Plus account, no other communication has been received. I rang them today and they told me they emailed the processing team and they will receive a response from them tomorrow and ring me. I think this is appalling to tell someone 5 to 7 days probably earier to receive card and day 8 my application has not even been proceesed.
- Verified customer
Warning daily limit applies, use with caution, only deposit 1k when travelling.
Citibank Plus is ok for travel....if you can find a suitable ATM that doesn't charge fees.
The problem is if you load more than $1,000 you cannot take it out in one hit and you need to come in and take it out in $1,000 lots....if you can find the fee free ATM.
Best ONLY use as a back up EMERGENCY card to withdraw cash when Overseas.
best to use 28 degrees card to only pay with credit wherever possible, try never to use cash because exchange rates to get cash are just a rip-off doesn't matter where in the world you are.
other cash cards like Qantas and other cards just rip you off with fees and poor exchange rates....
Just don't bother....
Dont ever get an account with these morons if you ever plan to move abroad ... the sheer foolishness involved in their 'process' is astounding. I just moved back to Australia and wanted to log in to my account and was being sent an OTP to my number in a different country. Contact the customer service and then was asked for "mothers maiden name" "address" "passport no" "phone no" and then to list the name of a payee and it was at this stage that iIcould no longer take it....
The worst part.... U have to go through this every time you travel !!!!
Do not waste your time with this bank coz the morons running this business havent got a clue and the customer service geniuses probably cant even spell their role
Horrible customer service
I signed up for this card to take overseas, have not yet left for my trip but have already had to call Citibank 5 times and speak to a customer service officer - none so far have been helpful and all contradict what the previous one has said. They will lock you out of your account and will not notify you of it forcing you to call and wait to be put through to an incompetent customer service advisor
Debit mastercard fantastic for overseas travel
I use to use a big 4 credit card for overseas and online foreign transactions. I thought the exchange rate was appalling, and the bank making a lot of money out of me. However, when the bank also, to add insult to injury, added a 3% "FX" fee to every foreign currency transaction, I started seeing red. Luckily, I read about Citibank in my brother's choice magazine. Now I use my Citibank debit mastercard for all foreign currency transactions. No fees and the exchange rate is so close to the mid market rate that I am unsure of the percentage I am ...losing. I think half to one percent, but currencies jump around so much I am not sure. Anyway, Thank you Citibank. I no longer feel ripped off every time I do a foreign currency transaction. I don't use the mobile app, but the online banking website is fine.
Complete Lack of Customer Service
Having had an account with Citibank over 15 years I attempted to make a payment from the account without success. Upon contacting Citibank I was advised the account was on hold due to an overdue 33c balance. I was unable to make a 33c payment from my online banking account and so was advised by Citibank to pay $1 and the account would be taken off hold after 24 hours. After 40 hours I again could not make a payment from the Citibank account. When I called again I was advised that the account had been permanently closed due to poor payment hist...ory. At no point did I ever receive any correspondence by mail / email / phone calls alluding me to this status of my account. Now Citibank owe me 67c - which I called them about and they advised that they will now be sending me a cheque in the mail. NO IDEA !!!!!
citibank global currency account
When I found out about this card I thought it was a great option & had planned to use it regularly. This card although being a debit card (with funds available) does not work in gas stations & randomly declines in stores as well. Dispite having USD & AUD accounts ive been charged for conversion fees, had my AUD account debited dispite using the account in the USA.
I have been on the phone to citi bank several times with issues with this card. I was charged over $50 USD (conversion fee according to bank) for withdrawing funds dispite nominati...
So not fall for this card being better than prepaid travel card
I foolishly listen to people talking about citibank in online forums, think about it before you apply for one of these.
It cannot be used in a lot of countries , exchange to the foreign cash to the country/s or foreign prepaid travel card you are going to , much better and cheaper alternative
Much better than travel money cards
Whenever I travel overseas this is my go-to cash card. It's a debit card so using my own money. No fee for using as a Visa card, and best of all no fee for cash advances except if ATM operator charges a fee. Amount debited is anyways within a dollar of my conversion app. Only downside is the Citibank app isn't great, slow to load and can be fussy to log on when overseas.
Failed miserably. I got my card and requested another one for my husband, more than a month
Supervisor [name removed] was absolutely useless, staff have got no idea what they are doing. Information provided by one staff contradicts to information they provided me with previously. One stated that application can be emailed, other was in complete denial. Promised to call me on many occasions-never did.
I decided that I will transfer my money elsewhere. The entire department has got no idea what they are doing.
Ridiculous situation, sick of their inconsistencies and plain lies!!!
I got this card to primarily use overseas. The rates and fees made it very attractive. However, it was not explained that you can’t advise them that you are travelling overseas before you leave. If they detect unusual transactions, they contact you via mobile phone and suspend your account until they can. I am not taking my mobile overseas due to prohibitive roaming charges. This card won’t work for me. Other Australian banks let you advise them before you leave. The last thing I need is no access to my money when I am travelling. I only wanted to withdraw funds at ATM
First impression failed...
Originally my thought to bank with CitiPlus was a nice experience, I was hoping to get a decent service from this Bank. Unfortunately, this Bank has failed me up again compare to any other Big 4 services. I initiated a transfer yesterday afternoon from another bank and my fund has not been cleared yet as of today. I was expecting the fund should be cleared via the over night clearing service but got into pending status.
I called the Customer service and requested a quick resolution for my issue but I got told to follow their procedure and wait...
Worked very well in Japan
I chose to get a Citibank account before I travelled to Japan because it miraculously had no ATM withdrawal fees and no international transaction fees. I was quite wary because it sounded too good to be true and there are so many negative reviews online.
I was pleasantly surprised by the effortless cash withdrawal and card payment in Japan. I withdrew from 711 ATMs and was charged no fee. On top of that, the exchange rates were miles better than the foreign exchange shops. I got 83 yen for 1 aud...amazing! It was easy to know the day's exchang...
I thought Australia's banking system couldn't get worse!
Why does it take so long to transfer money to my Citibank account from PayPal when other banks appear to be able to do with by the next day? I went to sleep with the Paypal withdrawal to Citibank completed and the withdrawal to my other bank pending, but woke up to find that only the other bank was credited!
I also don't want to be forced to use a secure key or OTP. I would prefer an option where I can answer a serious of questions to prove that I am who I am instead. I think Citibank presumes that travelers keep to one SIM which is not a ch...oice built on wisdom. Finally, beware the horror story of getting emergency cash from Citibank while overseas - literally no option for Western Union or MoneyGram (even through the service provided by MasterCard for free because Citibank does not allow it!) and getting money at a branch will take around five hours!!!
$0 fees. Sounds great on paper.
Problem is their phone app is garbage (seriously bad), as is their mobile site, and their desktop site is aging badly. Reversing transactions without explanation, and phone support (to resolve said problems) can be between slow and hanging up on you.
You can have your zero fees and free wine, Citi. I went elsewhere because I like being able to actually manage my money with my bank (crazy, right?).
Best Card For Overseas ATMs
I've had the Citibank Plus account with its Debit card for over four years now. It recently changed from being a Visa Debit card to a Mastercard Debit Card. It has no annual fee, no overseas transaction fees and if you can find a Citibank ATM overseas, no ATM fee either - but you will pay an ATM fee with non Citibank ATMs.
Thus it is great for overseas travel. Consider - if one is going on an overseas vacation and expects to spend $5000 on accommodation, meals and car hire - then this account and Debit card will save $150 in the foreign exch...ange fees typically charged by other credit and debit cards. Better that $150 in my pocket, than it just be given to the banks. The actual currency exchange rate at any minute can be found at the XE,com website. This card uses the Mastercard exchange rate found at www.mastercard.us/en-us/consumers/get-support/convert-currency.html, and the rate is set once per day. So that one can easily compare the Mastercard rate to the true rate - and it is usually pretty good, varying by around 0.5 to sometimes 1.5 cents from the XE.com rate. The Mastercard rate is always very much better than what banks charge for putting money into their debit Travel Cards which nearly always deviate by three to four cents from the XE.com rate. The debit Travel Cards and other similar things like Qantas Cash are thus relatively very expensive on the exchange rate, but they do protect against a major drop in Australian currency - which does happen occasionally. As part of rewards for this account and debit card, one does get email offers to events, and there are restaurants in Australia where one gets a free bottle of wine for using the card. I don't like wine, so have never tested this aspect out. Until recently, Citibank were like other banks where you notified them of which countries you were going to before you went. But Citibank changed this last year and you no longer need to notify them. BUT....if they deem a transaction suspicious, they block the transaction and send a One Time Pin (OTP) to your mobile phone, which you have to then enter into somewhere in the Citibank App to unblock the transaction.
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Questions & Answers
I've just added a new payee (my BOQ account) on the app, and it shows as "pending". How long does it take before I can make a payment to this new payee?
I'm travelling to Greece, I have a global currency account in euros, will I be charged any fees if I withdraw from ATM or make purchases in store?
Hi. Just signed up for a citibank debit for traveling to the UK, Europe, Turkey and Morocco. The site states they have extensive ATMs worldwide. So far I can only find 4 ATMs in London and 0 in other cities/countries. Does it need to be a citibank atm for no withdrawal fees? Or do Citibank not charge for most ATMs? I understand some ATMs do charge their own fees which is outside Citibanks control. Thanks
You are correct very hard to find this information, from what I can find it seems to be from any ATM displaying the CIRRUS®, MAESTRO® And mastercard which I find a bit odd considering it is a visa? This is from the U.S. Citibank site since the AUS site is hopeless.
I did get a brochure when I got my card, unfortunately I cannot find it now. If I find it I will post the details.
How did you go with answers to your question? I am travelling to India next month and there seem to be only 2 ATMs in the area I am travelling in. Were Cirrus and Maestro ATMs accessible at no cost? Thanks.
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