up to 5%
HKD Time Deposit Rate
up to 6%
Foreign Currency Time Deposit Interest Rate
Highest Cash Rebate
MoneySmart Exclusive

【MoneySmart high TD rate recommendation】
Open a Citigold account via your mobile to earn up to HK$45,398 rewards and enjoy up to as high as HKD 5%* p.a. saving rates! Foreign currency time deposit rate is up to 6% p.a. saving rates!

Open a Citigold account via MoneySmart and maintain new funds specified within the designate period in order to get up to HK$41,600 cash rebate (Fulfilled by Citibank).  Customers could enjoy up extra a total of HK$3,798 Apple Gifts or HK3,500 Apple Store Gift Card or HK3,500 PARKnSHOP vouchers or HK3,500 Club Med vouchers (Fulfilled by MoneySmart)!

Valid until 02 Jan 2024 - See more details below

Are you eligible?

    • “Eligible New Customers” have to successfully open a Citigold account on or before 9 January 2024 , and maintain the designated amount of funds until 31 March, 2024 in the account

    • Customers must successfully submit the claim form on or before 29 February 2024 to be eligible for the MoneySmart exclusive offer.

    • New customers refers to customers who have not cancelled or held any sole or joint bank account and securities account with Citibank within the past 12 months

What you need to know

  1. Open a Citigold account via MoneySmart and maintain a balance of HK$1.5 millions is eligible for HK$2,000 PARKnSHOP voucher / HK$2,000 Apple Store gift card / HK$2,000 Club Med vouchersBose QuietComfort 45 Headphones (Retail price HK$2,499)

  2. Open a Citigold account via MoneySmart and maintain a balance of HK$2.5 millions is eligible for HK$3,500 PARKnSHOP voucher / HK$3,500 Apple gift card / HK$3,500 Club Med vouchers / Apple HomePod (Retail price: HK$2,299) and Airpods (3rd generation) (Retail price: HK$1,499)

  3. New customers who bring in the required to new funds within the first 2 calendar months from account opening and maintain the new funds according to the specific hold fund period, can enjoy up to HK$18,500 Cash Rebate

  4. Account Opening $500 Cash Rebate: New customers, who successfully open a Citigold account through online appointment / a Citigold account through straight-through remote account opening solution and fulfill the following requirements, can earn up to HK$500 Cash Rebate

  5. New customers who open a new Citibank account and reach a designated amount of stock transfer to enjoy up to HK$10,000 Cash Rebate

  6. The applicant understands and accepts that the reward redemption is completed by MoneySmart, and Citibank (Hong Kong) is not responsible for any additional reward redemption

  7. All welcome offers are not applicable to U.S. citizens, except deposit interest rate. 

  8. If customers encounter any difficulties while applying online, a reservation could be made beforehand to complete the application through a Citibank branch. Please notify the branch staff that the application is done through MoneySmart in order to be eligible for the MoneySmart exclusive promotion.

Claim Form

All Details

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Compare Citi Accounts:Citigold vs Citi Plus

Criterion Citigold Citi Plus
Account Opening Requirements
  • HK$1,500,000
  • HKID holders aged 18 to 64
  • Hold a permanent address in Hong Kong and live in Hong Kong
  • Minimum account opening amount: HK$1,500,000
  • HKID holders aged 18 to 64
  • Hold a permanent address in Hong Kong and live in Hong Kong
  • No minimum balance requirement
  • Up to 4.88% interest rate for timed deposit
  • Enjoy $0 commission for buying Hong Kong stocks
  • Up to 2.4% interest rate
  • Up to 12% cash rebate
Monthly Service Fees
  • HK$300
  • Free

Benefits of Citibank Global Wallet

Citibank Global Wallet customers allow you to exchange foreign currency at the target price in advance, and there is no handling fee, which makes spending in foreign currency easier. Citibank Global Wallet is available to all Citibank MasterCard® Debit Card or Citibank Cirrus ATM Card customers.

Save the cost of spending in foreign currency

Customers can shop online or travel abroad in foreign currency at any time, without worrying about exchange rate or being charged foreign currency transaction fees when spending with credit cards.

Automatic foreign currency top up service

Citibank Global Wallet features an automatic foreign currency top up service. Even if your Global Wallet does not have sufficient balance in foreign currency, the bank will immediately exchange the required foreign currency in your Hong Kong dollar account at the current exchange rate, and automatically top up your foreign currency account.

12 currencies available for trading

12 currencies available for transactions including Hong Kong dollar, Australian dollar, Canadian dollar, Swiss franc, Euro, British pound, Japanese yen, New Zealand dollar, Chinese yuan, Singapore dollar, Thai baht and US dollar, covering major countries where Hong Kong people always go for traveling or shopping.

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Benefits of Citigold Account

Attractive annual interest rate for fixed term deposit

Open a Citigold account to enjoy an attractive annual interest rate for fixed term deposit. In addition, customers can also make use of Citibank's "FundWatch" service to instantly grasp the latest fund prices by email in order not to miss any investment opportunity.

$0 commission to buy Hong Kong stocks

Open a Citigold account and apply for stock services, and you can buy Hong Kong stocks without commission. In addition, Citigold customers can obtain professional stock analysis information and reports from Thomson Reuters through the Citibank one-stop platform to help you select high-quality stocks more effectively.

Attractive annual interest rate for fixed time deposit in RMB

Open a Citigold account and deposit in Hong Kong dollars or foreign currencies to enjoy attractive annual interest rates for fixed time deposits in RMB. In addition, customers can use Citibank online banking or Citi Mobile® foreign exchange trading platform to seize investment opportunities in the foreign currency market.

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Citigold account opening requirements

Account Opening Balance Requirement: HK$1.5 million

Account Fee: HK$300/month

Account Fee Waiver Requirement: Average daily balance of at least HK$1.5 million

Is Citigold an offshore account?

Offshore accounts refer to overseas bank accounts depositors open in countries/regions other than their own residence. You can transfer funds in offshore accounts freely. Even if the government implements currency exchange controls in your place of residence, your account won’t be affected. The main reason for opening an offshore account is to be freed from currency exchange control to avoid freezing of assets.

Citibank Gold accounts or above are all offshore accounts, while Citi Priority and other average Citibank accounts are not eligible to apply.

Citigold Account VS Citi Priority Account

Only the Citigold account is an offshore account. The opening balance threshold of a Citigold account is relatively high, requiring HK$1.5 million.

Citi Priority account opening and balance requirement is HK$500,000. In addition, Citigold account holders are entitled to exclusive wealth management services, while Citi Priority account holders are not.

Citigold account benefits

Refer a Friend Program Offer

Refer one friend

Successfully refer a relative or friend to open a Citigold account and enjoy HK$2,388 cash rebate!

Refer 2 freinds

Successfully refer 2 relatives and friends or more and enjoy HK$3,388 cash rebate!

Frequently Asked Questions

Is Citigold an offshore account?

If you want to apply for a Citibank offshore account, you must be at least a Citibank Gold or above customer. Citi Priority customers are not eligible to apply. The account opening requirements are relatively high, requiring HK$1.5 million, while Citi Priority account opening and balance requirements are relatively low, requiring only HK$500,000.

What is the interest rate for a fixed term deposit for Citibank ?

You can check the latest rate for fixed term deposit at MoneySmart.