Citibank Access Account
 
Citibank Access Account

In the red?
With our competitive overdraft1 of 13.9% EAR* typical (variable), you will soon be in the pink
Please ensure you have read the Rates and Charges Information and the General and Account Specific Terms and Conditions before making your application.
 

Your choice - control your personal banking

With a Citibank Access Account you can always manage your money on your terms.

CitiPhone telephone banking and Citibank Online give you access to your account from anywhere in the world, 24 hours a day, 365 days a year. And with a competitive overdraft1 of 13.9% EAR typical (variable) available you have got financial flexibility when you need it.

The Citibank Access Account's key features include:
  • No monthly fees
  • Interest free overdraft1 up to £500, 13.9% EAR typical variable thereafter2
  • Citibank Online - banking all day, every day
  • Visa Citibank Debit Card
  • Personal Bankers with the authority to get things done, available by phone 24 hours a day, 365 days a year with CitiPhone telephone banking
  • Interest paid on cheques from the day they are received by Citibank3
  • No transaction fees on global transfers to Citibank accounts in over 20 selected destinations (exchange rates apply to transfers across currencies)4
  • Secure online code card protection

If you need help to decide which of our current accounts is right for you, take a look at the comparison table.

Important Information

Please note, the Citibank Access Account is only available to UK residents. If you are currently living outside the UK, we regret that we will not be able to offer you this account.

1. To be eligible for a £500 interest and fee-free overdraft you must credit your Citi current account with a minimum of £1,250 per month. If you do not pay the minimum amount in any month, the £500 overdraft facility will be removed and we will charge interest on any overdrawn balance at the unarranged overdraft rate unless the account is funded within six weeks of Citi notifying you that the minimum credit has not been met. Overdrafts over £500 are available upon request and interest will be charged at the current rate of interest detailed in the Rates and Charges Information. If you request an overdraft of more than £500, we will advise you of the minimum amount how much you must credit to your account with each month to retain your overdraft facility. Overdrafts are subject to status, additional verification and checks. Overdrafts are repayable on demand and are subject to Terms and Conditions.

2. For overdrafts over £500 an arrangement fee of 0.5% (min £20) may apply. There is also an annual renewal fee for this service. For information on the arrangement fee and annual renewal fee applicable for this service, please refer to the Rates and Charges Information.

3. Clearing times for foreign currency cheques will vary, depending on where the bank on which the cheque is drawn is situated. Please contact us on 0800 00 55 00 for further information.

4. The exchange rate will be confirmed before the transaction is carried out. Transfers between UK Citibank accounts, have a daily limit of £250,000 and £10,000 overseas (or currency equivalent). Please note this applies only to Citi Personal accounts. In certain circumstances, Citibank will contact customers to confirm a request before processing it. This is to maintain the security of the account and to protect the interest of customers.

Rates correct as at 1 November 2009 and are subject to change.

*The EAR is the Effective Annual Rate and is used to express the cost of borrowing on current accounts. The EAR takes account of the rate of interest charged, the frequency it is levied to accounts and compounding of interest. It does not include overdraft fees.