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As a staff client, Citigold Wealth Management offers you:

  • A premium wealth advisory service, right on your doorstep
  • The ability to bank in multiple currencies and access your accounts around the world
  • Preferential rates on our multi-currency investment products
  • Your own dedicated Relationship Manager and support team
  • The option to manage your wealth offshore via our Jersey booking centre
  • Special privileges and discounts from our partnership programme

Citigold is especially suited to suit clients with £150,000 (or currency equivalent) across their Citi accounts and investments.

Start your Citigold relationship

The ability to bank in multiple currencies and access your accounts around the world

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Creating your personal wealth strategy

Your Citigold Relationship Manager is a qualified investment professional who can understand your needs and craft a sophisticated strategy. We then build your portfolio from our extensive range of global investment products, continually reviewing and adjusting it over time.

You also have support from a specialist FX Counsellor (for multi-currency solutions) and a Client Services Officer, who is there to execute transactions and help as required. Vital market insights are brought to you direct from our analyst teams, along with invitations to specialist investment seminars.

If desired, your Relationship Manager can also advise you on structuring your investments offshore, via our booking centre in Jersey.

Read more

Manage your money globally, in the currencies you need

Citigold lets you:

  • Hold current accounts in Sterling, Euros and US Dollars
  • Deposit accounts in a range of global currencies
  • Link your Citi Debit Card to any of your eligible currency accounts to access funds directly while abroad, with no transaction or conversion fees

Citigold lets you:

  • Access your accounts easily from wherever you are, 24-7
  • Send money globally
  • Manage yours investments
  • Customise your Citigold service and trade shares internationally

Citigold lets you:

  • Access your accounts easily from wherever you are, 24-7
  • Carry out day-to-day banking while on the go, from checking your balance to paying bills
  • Transfer money between your Citi accounts

Benefits exclusive to Citi staff

To reflect your status as one of the team, Citigold offers you preferential pricing and other benefits.


  • Benefits
  • Citigold staff offer
  • Preferential
  • Credit interest on current account
  • 1% AER*
  • Y
  • Global Custody Fee
  • Waived
  • Y
  • Mutual Funds Subscription Transaction Fee
  • 50% Discount
  • Y
  • Online Equity Brokerage Transaction fee
  • fee £15
  • Y
  • Protection Products: Term Assurance Premium
  • 5% Discount
  • Y
  • Foreign Exchange
  • Up to 80% Discount**
  • Y
  • Unsecured Overdraft Rate (subject to status)
  • 6.9% EAR***
  • Y
  • Transaction Fee at non-Citi ATMs
  • No Fee
  • Y
  • International Funds Transfer fee
  • No Fee
  • Y
  • Instant Cheque Clearance (limits apply)
  • Yes
  • Y

*AER stands for the Annual Equivalent Rate and is a notional rate that illustrates what the contractual interest rate would be if interest was paid and compounded on an annual basis. Interest is credited monthly.
**Discount based upon Citi Staff FX rates when compared to standard Citi UK FX rates.
***The EAR is the Effective Annual Rate and is used to express the cost of borrowing on current accounts. The EAR takes into account the rate of interest charged, the frequency it is levied to accounts and compounding of interest. It does not include overdraft fees.

Meet, work and relax in the Citigold Lounge

Your Citigold Lounge is located in Citigroup Centre, offering you a comfortable, private environment to meet with your Relationship Manager and develop your strategy. It’s also a great place to work undisturbed or take time out from a busy day.

View the Citigold Lounge tour by clicking on the video.


Our global investment products

To make your wealth strategy a reality, you have access to Citigold’s wide range of multi-currency investment products. Staff clients are entitled to special fees and rates on many of these, and pay no global custody fees on any investments held.

Our products include:


Investment Funds

50% off transaction fees for Citi staff
Learn more

Structured Notes

Combine growth potential with protection
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International Brokerage

Trade equities in over 30 markets
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Foreign Exchange Solutions

Instant access to your money in 11 major currencies
Learn more

Protection Products

5% off standard Term Assurance Premiums for Citi Staff
Learn more

Investment and insurance products are not insured by any governmental agencies, are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates, unless otherwise stated. Investment Products are subject to investment risks, including possible loss of some or all of the principal amount invested. Past performance is not indicative of future results, investments can go down as well as up.

Citigold Partnership Programme

Citigold brings you special privileges and discounts from our global partner brands. Whether it’s the latest exhibition at the British Museum or priority tickets to a major sporting event, you’re bound to find something that will fire your interest.

Our partners include Selfridges and Co, Senate Grand Prix, The British Museum, MatchPoint (for tickets and hospitality at top sports events), Hertz, BDO Tax Consultancy and more.

Learn more

Essential documents

We are making some changes to our terms and conditions, principally as a result of the new EU General Data Protection Regulation (“GDPR”).

The GDPR introduces changes to the way we manage your personal information as well as giving you enhanced rights in respect of the personal information we hold about you. Going forward, everything you need to know about how and why we use your personal information; who we share it with; and what your rights are, will be found in our updated Privacy Statement.

Previously our terms and conditions contained information about what we do with your personal data. From 25 May 2018 you will only need to look at our Privacy Statement. You should review our Privacy Statement regularly to find out what personal information we collect about you and how we use, store and disclose your personal information.

A summary of the other changes we are making to our terms and conditions can be found here. Please read this summary together with the updated terms, which are effective from 25 May 2018.


 

Start your Citigold relationship

Citigold is specially designed to suit clients with £150,000 (or currency equivalent) across their Citi accounts and investments

Speak to a Relationship Manager 0207 500 1992

Summary of changes

Changes to our ‘General Terms and Conditions for Citi Current Accounts and Savings Accounts’

We have amended our terms to make it clear that if you are a US Person and you do not provide us with a valid Form W-9 within 30 days following our request to do so, we can terminate your Agreement with us or close your Account by giving you notice.

Changes to our ‘Account Specific Terms and Conditions’

We have now made clear in Condition 5 of the Foreign Currency Deposit Accounts section that:

  • interest is calculated daily and applied to the account on a monthly basis; and
  • interest is calculated on a 365-day basis for Sterling and Hong Kong Dollar Accounts and on a 360-day basis for Accounts in all other currencies.

This does not reflect a change to the way we currently calculate your interest, we have simply clarified this in the updated terms.

Changes to our ‘Terms of Business for Investment and Insurance Services’

We have amended our terms to make it clear that if you are a US Person and you do not provide us with a valid Form W-9 within 30 days following our request to do so, we can terminate your Agreement with us or close your Account by giving you notice.

We have also made the following changes:

  • The contact address of the Financial Conduct Authority (FCA) will change from June 2018 onwards.
  • Revised Regulations mean that from 6 April 2018, the treatment of ISAs on the death of an ISA holder will change. This is now reflected in clause 3.15, Section One.
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