Important Links
Savings Account Features - High Interest Saving Accounts - Reward Saver, Flexible Saver, US Dollar Reward Saver - Citibank UK

Multi-currency Debit Card

Three Currencies - One Debit Card

Start your Citigold relationship

How to apply
  • Multi-currency Debit Card Overview
  • Multi-currency Debit Card Features
  • Multi-currency Debit Card Fees
  • Report a lost or stolen card

As a Citigold client, you have the benefit of being able to hold multiple accounts in different currencies – with the option to access whichever current account you want, wherever you happen to be – with just a single debit card.

Your Citi Multi Currency Debit Card gives you complete access to your Citi accounts, allowing you to spend money and withdraw cash at millions of locations throughout the world, 24 hours a day, 365 days a year.

What can you do with your Citi Debit Card?

  • Pay for goods and services in shops and restaurants.
  • Make secure contactless payments of up to £30 in the UK, quickly and easily.
  • Shop safely online and over the phone.
  • You can link your Citi Debit Card to any of your eligible currency accounts in just a few moments with Citi Online.
  • Withdraw up to £1000 cash at ATMs.

Card Linkage

Buy breakfast in Pounds (GBP) and lunch in Dollars, with a single card for all your Citi accounts

As a Citi client, you can hold accounts in multiple currencies and access whichever one you choose using one single debit card. For maximum convenience, you can link your Citi Debit Card to any of your eligible currency accounts in just a few moments with Citi Online.

How to change your card linkage

Sign in to Citi Online and click on 'Card Linkage' found under 'My Profile' in the top menu and follow the simple instructions, or use the quick link on your 'My Citi' homepage.

Online card activation

  • You can also activate your card online. An SMS Activation Code will be sent to your mobile phone, so you need your mobile number registered with us (this will be shown to you during step 2) and have this mobile phone with you. Click here to Login >
  • Once you sign on, you can activate your card from the Service Centre page.
  • You can call us on 0800 00 55 00 (+44 207 500 55 00 from overseas) and use your t-PIN to activate your card via our automated service.

11 Eligible currency accounts

    • Australian Dollars (AUD)
    • Canadian Dollars (CAD)
    • Czech Koruna (CZK)
    • Danish Krone (DKK)
    • Euro (EUR)
    • Great British Pound (GBP)
    • Hong Kong Dollars (HKD)
    • Hungarian Forint (HUF)
    • Japanese Yen (JPY)
    • New Zealand Dollar (NZD)
    • Norwegian Krona (NOK)
    • Polish Zloty (PLN)
    • Romanian Lei (RON)
    • Russian Rubles (RUB)
    • South African Rand (ZAR)
    • Swedish Krona (SEK)
    • Swiss Francs (CHF)
    • Turkish Lira (TRY)
    • United Arab Emirates Dirham (AED)
    • US Dollars (USD)

Unlimited free contactless payments

    How contactless works

  • You can make unlimited free contactless payments of up to ₤30 in the UK wherever you see the contactless symbol. Contactless limits vary by country so to find out the contactless limit for other countries, please visit the MasterCard® website for that country.
  • Simply hold your Citi Debit Card in front of the contactless reader and your payment will be confirmed automatically. You will be offered a receipt if you wish and that's it - your transaction is complete. You will be able to see the debit on your statement and when you check your account in the Citi UK®Mobile App or Citi Online.
  • As an added security measure you may be asked to enter your PIN from time to time.
  • Contactless payments are debited from your account, and protected against fraud, in the same way as Chip and PIN transactions.

Citigold Debit Mastercard Privilege

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.

Card purchases

  • The transaction amount will first be converted to Pounds (GBP) by the relevant card scheme and a 2.75% transaction fee applied.
  • If your offshore debit 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.

Cash withdrawals

  • The withdrawal amount will first be converted to US Dollars at the current 'Citi' reference exchange rate and a 2.75% transaction fee applied.
  • If your card is linked to a Citi account in a Foreign currency US Dollars, the amount will then be converted to that currency at the current 'Citi UK' reference exchange rate.
  • It is essential you contact the Citi Security Team, available 24/7, as soon as possible if you suspect or discover:
  • Your Citi Debit Card has been lost or stolen.
  • If someone else knows your PIN or other security information.

Your Citi Debit Card is retained by an ATM.

If calling from the UK 0800 096 68 00. If calling from outside the UK +44 203 569 99 88.

Please visit our Citi Security Centre for further advice and information on how Citi helps to protect you.

Dispute Card Transaction:

If you notice that a debit card payment has been charged incorrectly, or that the goods or services were not as expected, you should contact the retailer first to resolve the issue.

If the retailer proves unresponsive or unhelpful, you can contact us and we will try to assist you. Please note that for Citi to raise a dispute on your behalf, you will need to have approached the seller directly first.

Download Dispute Declaration Form >

Start your Citigold relationship

Citigold is available if you maintain a minimum average monthly balance of £150,000 (or currency equivalent) across all your Citi UK accounts, including investments.

Or Speak to a Relationship Manager 0207 500 1992

Already with Citi? Contact your relationship manager or send a secure message via Citi Online

Why choose Citi?

A relationship - not just a bank account

A dedicated Relationship Manager giving you access to our internal team of product experts and all our benefits

Access to exclusive Citi products

A range of current and investment products available both on shore and offshore, in the currency of your choice
Multi-currency accounts
Our investment products

Global services for a global lifestyle

Our team is here to support you getting started in UK or with International travel and relocation
Moving to and from the UK
Travelling overseas

Offshore investments

We offers a diverse range of banking and investment services, including for those who want access to offshore investments

FInd out more

Just moved to the UK?

We can save you time money and hassle. If you are a foreign national in the UK, Citi's International Banking Service can help you manage your money, home and away.

FInd out more