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Citi Debit Card Fees

At Citi, we give you the option to hold accounts in multiple currencies, all accessible with the same Citi Debit Card. When travelling, simply link your card to an account in the currency of your destination country. This will allow you to withdraw cash and make card payments without incurring transaction fees.

When spending abroad, the following fees will apply if your card is not linked to a Citi account in the local currency.

Card purchases

  • The transaction amount will first be converted to Sterling by the relevant card scheme and a 2.75% transaction fee applied.
  • If your card is linked to a Citi account in a currency other than Sterling, the transaction amount will then be converted into that currency using the current 'Citi UK' reference exchange rate.

Overseas cash withdrawals at Citi ATMs

  • The withdrawal amount will first be converted to US Dollars at the current 'Citi' reference exchange rate.
  • If your card is linked to a Citi account in a currency other than US Dollars, the amount will then be converted to that currency at the current 'Citi UK' exchange rate.

Overseas cash withdrawals at non-Citi ATMs

  • The withdrawal amount will first be converted to US Dollars by the relevant card scheme and a 2.75% transaction fee applied.
  • If your card is linked to a Citi account in a currency other than US Dollars, the amount will then be converted to that currency at the current 'Citi UK' exchange rate. A 2% ATM cash fee (minimum £2.00, maximum £5.00) will also apply.

Examples

Please note that currency conversions change frequently over the course of the day. The following example relates to the currency conversion rates applied at 5:28pm 17 August 2016 only.

Card Purchases
(Local currency for this example is Euros)

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EUR Current Account GBP Current Account
Purchase amount €100 €100
Card scheme Visa / Mastercard Visa Mastercard
Card scheme conversion N/A Converted into Sterling using the Visa exchange rate:
€1 = £0.872486
£87.25
Converted into Sterling using the Mastercard exchange rate:
€1 = £0.868149
£86.81
Cross currency transaction fee N/A £2.40 £2.39
Total debit €100 £89.65 £89.20

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Overseas Citi ATM withdrawal
(Local currency for this example is Euros)

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EUR Current Account GBP Current Account
Withdrawal amount €100 €100
Card scheme Visa / Mastercard Visa Mastercard
Conversion 1 N/A Converted into US Dollars using the 'Citi' reference exchange rate:
€1 = $1.1333
$113.33
Converted into US Dollars using the 'Citi' reference exchange rate:
€1 = $1.1333
$113.33
Cross currency transaction fee N/A N/A N/A
Conversion 2 N/A Converted into sterling using the 'Citi UK' exchange rate:
$1 = £0.769704
£87.23
Converted into sterling using the 'Citi UK' exchange rate:
$1 = £0.769704
£87.23
ATM cash fee N/A N/A N/A
Total debit €100 £87.23 £87.23

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Overseas non-Citi ATM withdrawal
(Local currency for this example is Euros)

Show table +

EUR Current Account GBP Current Account
Withdrawal amount €100 €100
Card scheme Visa / Mastercard Visa Mastercard
Card scheme conversion N/A Converted into US Dollars using the Visa exchange rate:
€1 = $1.132300
$113.33
Converted into US Dollars using the Mastercard exchange rate:
€1 = $1.127900
$112.79
Cross currency transaction fee N/A $3.11 $3.10
Citi Conversion N/A Converted into sterling using the 'Citi UK' exchange rate:
$1 = £0.769704
£89.55
Converted into sterling using the 'Citi UK' exchange rate:
$1 = £0.769704
£89.20
ATM cash fee N/A £2.00 £2.00
Total debit €100 £91.55 £91.20

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Check the historical exchange rates for: