1.1. These Account Specific Terms and Conditions apply to the Citigold Current Account. They are additional to and should be read together with the Citibank Account General Terms and Conditions. If there is any inconsistency between them these Account Specific Terms and Conditions override The Citibank Account General Terms and Conditions to the extent of the inconsistency.
1.2. Account means the Citigold Current Account.
3.1. You may withdraw up to £10,000 cash per day in sterling from any branch of Citibank in the UK without notice if such amount is within your Available Balance. Larger withdrawals will require two Banking Days' notice.
3.2. You may withdraw cash at certain ATMs displaying the VISA/Link logo subject to the individual machine limit, your Available Balance and specific limits determined and notified to you by Citibank from time to time.
4.1. You will not be charged a relationship fee in any month that you:
4.1.1. credit your Account with a minimum of £5,000 and have a minimum of two Direct Debits paid from your Account; or
4.1.2. have an average monthly balance of £50,000 (or currency equivalent) or more across your current and savings accounts with Citibank International plc; or
4.1.3. hold an investment of at least £25,000 with us; or
4.1.4. have an account with Citibank International Personal bank in London or Jersey.
4.2. In all other circumstances you will be charged a relationship fee at the rate set out in the Rates and Charges Information. This fee will be deducted within the first five Banking Days of the following month. The fee will be debited without prior notification and may be debited from funds available within your authorised overdraft facility. In addition, we may deduct any overdue relationship fees without prior notification from any Citibank account in credit which is held in your name.
4.3. The average monthly balance is the total daily cleared balance (calculated at the end of each Banking Day) of all UK Citibank savings, current accounts and time deposits (including UK based foreign currency accounts) held in your name, including any balances held in a joint account, averaged across all Banking Days in the relevant month.
4.4. For customers with more than one Citigold Current Account primary relationship, the relationship fee will be debited from the Citigold Current Account that has the highest balance; this could be a joint or a single account.
4.5. For customers who have not held a current account with Citibank previously, no relationship fee will be charged in the first 90 days.
4.6. If you have more than one Citigold Current Account and you are the primary Account holder on more than one Account the relationship fee will only be applied once each month and you only have one entitlement to the value added features.
4.7. If your account is treated as dormant you will not be charged a relationship fee and will not be entitled to receive any of the value added features.
5.1. The Citigold Current Account comes with various added features, some of which are only applicable to UK residents. Full terms and conditions of any insurance features are set out in the 'Important Insurance Information' document and the terms and conditions for the other value added features are contained in your Account welcome pack.
5.2. You will not be eligible for any of the value added features if more than one fee is outstanding after Citibank has attempted to collect a fee or if the Account is closed by either you or by Citibank for any reason. We will notify you before any value added features are withdrawn with the exception of account closure.
