Help with your account application

The following are questions that we are often asked by people thinking of opening an account with us. If you don't find the answer here then please use our Chat or Callback services.

Questions


Answers

What type of card do your accounts come with?
Citibank currently offers three different card types. The type of card you will be issued with is dependant on the account you appy for. Please refer to the Product Specific Terms & Conditions for more information:

1) Citibank Card - This card type allows you to register for Citibank Online Internet Banking and CitiPhone Telephone Banking only
2) Citibank ATM Card - This card type allows you access and service your account and to make cash withdrawals at ATM's
3) VISA Citibank Debit Card - This card type allows you to access and service your account, make cash withdrawals at ATM's and also authorise payments of goods and services to be debited from your Citibank current account. A VISA Citibank Debit Card will be provided with Citigold Current Account, Citibank Plus Current Account, Citibank Access Current Account, Citibank US Dollar Current Account and Citibank Euro Current Account.

It's important to note that your VISA Citibank Debit Card is used to access all of your accounts. 

If you only hold one account with Citibank then your card will automatically be linked to that account.  If you have more than one account, for example, a savings account and a current account, or if you held other Citibank accounts before you opened your current account then you should ensure that the card is linked to the account you wish to use.  This is simple to do, just call us anytime on 0800 00 55 00 and we can link the card to any of your accounts.  The type of transactions you can undertake on the specific account the card is linked to will be detailed in the account specific Terms and Conditions or in your welcome guide.

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Can I open a Citibank UK account if I am not a UK resident?
We are unable to accept applications for Citibank UK accounts from non-UK residents. If your employer has recently relocated you to the UK, or will be relocating shortly, you may be interested to know that we have a dedicated account opening and relationship service tailored to your needs. Please visit www.citibankatwork.co.uk for more details.

Citibank UK reserves the right to decline an account application without providing a reason for doing so.

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Do you have services for expatriates including offshore banking?
Citibank in the UK provides a comprehensive service for expatriates including the provision of offshore banking services.

If your employer has relocated you to the UK, or will be relocating you shortly, we have a dedicated account opening and relationship service tailored to your needs. Please visit www.citibankatwork.co.uk for more details.

In addition to a full range of Sterling banking products, Citibank UK offers a range of Foreign Currency current and deposit accounts.

With Citibank Global Transfers, you are able to transfer funds between Citi accounts in over 20 countries, transaction fee-free and almost instantly (transfers across currencies will be subject to Citi exchange rates).

You can access all of your Citibajnk accounts using one card. If you have more than one account, for example, a savings account and a current account, or if you held other Citibank accounts before you opened your current account then you should ensure that the card is linked to the account you wish to use. This is simple to do, just call us anytime on 0800 00 55 00 and we can link the card to any of your accounts.  The type of transactions you can undertake on the specific account the card is linked to will be detailed in the account specific Terms and Conditions or in your welcome guide.

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How do I transfer funds between my accounts?
Transferring funds between Citibank accounts is quick and easy with Citibank Online, our internet banking service . Simply sign on to Citibank Online, select "Payments & Transfers" and then choose the type of transfer you wish to make, either between your own accounts or a Citibank account held by another person in the UK or internationally.

Citibank exchange rates apply to cross currency transfers.

You can also transfer funds between accounts by visiting a Citibank branch or contacting CitiPhone telephone banking.

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Can I open a joint account with another person?
Any Citibank account can be opened jointly with any other person provided both parties successfully meet our application criteria. Please note that for a joint application we will need information from both parties to proceed with the application. (See Question 2 above for the documents we require). Each account holder is authorised to operate the account. You should only open a Joint Account if you and the other Joint Account Holders understand the commitments you are entering into. Each Account Holder will be jointly and severally liable to repay any amounts owing to Citibank in respect of the Account. This means that each Joint Account Holder is separately responsible, and together you are jointly responsible, for all and any amounts owing on the Joint Account. Please read our terms and conditions for further information on joint accounts.

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Can I operate my account from outside of the UK?
Citibank accounts can be operated from a foreign country. This is best achieved via Citibank Online or by calling us anytime on 0800 00 55 00 in the UK or if calling from outside the UK please dial +44 20 7500 5500.

Please note that your account details and other information will not be available to Citibank staff in other countries.

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You offer foreign currency accounts. Can I make purchases online in a foreign currency?
Purchases online can be made using your VISA Citibank Debit Card wherever you see the Visa symbol. If the purchase is made in a currency other than the currency of the account. If you are making a transaction in a currency other than Sterling, you should ensure that your Citibank Debit Card is linked to the account in the correct currency before making the transaction. You can do this by calling CitiPhone Telephone Banking on 0800 00 55 00. Citi exchange rates will be applied to transactions made across currencies.

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What are the tax implications and regulations for non-UK residents?
If you are a US person, we require you to complete a US W-9 form (Request for Taxpayer Identification Number and Certification). US persons are defined as US citizens, Green Card holders or those resident in the US for 183 days or more in a calendar year.

If you are 'not ordinarily resident' (you normally live outside the UK), you can receive interest paid on normal UK bank accounts without UK tax deducted by completing a UK tax form R105.

Please note that Citibank UK does not offer tax advice. Prior to making any decision relating to onshore or offshore financial services products or investments, please ensure that you fully understand any implications from a regulatory and tax perspective through professionally qualified, independent advisors.

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