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How to Apply to Citigold and Citigold Private Client

Sometimes, you need more from your banking relationship than basic transactions and access to credit. You need a partner you can trust for expert financial advice, financial planning, premier banking services, investment capabilities, and general wealth management. If this sounds like you, then Citigold and Citigold Private Client may be just what you need.


Citigold is a comprehensive wealth management package from Citi that gives you access to premier banking and investing services. With Citigold, you get to experience a wide range of on-shore and off-shore banking benefits, access to a varied portfolio of global investment products, customized wealth-building strategies, and wealth advisory.

As a Citigold client, you have the services of a dedicated team of banking experts that provide you with tailor-made financial strategies to help you achieve your life and wealth goals. It also comes with a world-class lifestyle and travel benefits, rewards, and privileges.

Citigold Private Client

A Citigold Private Client relationship consolidates all the benefits of Citigold into an even more exclusive banking relationship. In addition to the premier banking services, your dedicated team is led by a Senior Relationship Manager. Your team of experts also includes a Portfolio Counsellor who regularly reviews your investment portfolio vis a vis market conditions and advises you accordingly.

Features Citigold Citigold Private Client
Dedicated Team


Led by a Citigold Relationship Manager


Led by a Senior Citigold Relationship Manager. Includes a Portfolio Counsellor

Complimentary financial planning Y Y
World-class investing capabilities Y Y
Preferred pricing on select products Y (reduced price) Y (free)
Minimum balance requirement (across cash, deposits and investments)USD 200,000USD 1,000,000
Membership fees/charges None Y (free)

Benefits of a Citigold Relationship

Dedicated Team

Your team comprises a service relationship manager to ensure you get seamless service and support; a treasury sales officer who supports you with updates on foreign exchange markets and Citi foreign exchange forecasts; and an insurance specialist to provide you with customised financial solutions that protect what matters most to you.

This group of financial experts and advisors is led by an experienced, dedicated Citigold Relationship Manager, who is your point of contact. Based in the UAE, your dedicated Citigold Relationship Manager works closely with you across UAE and Singapore to understand your unique investment management goals and help you achieve them. Citigold relationship managers are selected based on financial advisory, investment knowledge and dedication, so you can be assured of getting the very best service.


At the beginning of your Citigold relationship and on an ongoing basis, your relationship manager spends time with you to understand your current financial position, goals and needs. They then work with your dedicated team of experts to determine your risk profile and the suitable investment portfolio and wealth management products for you.

Think of your Citigold relationship manager like your personal financial consultant/advisor. You can expect expert advice and guidance around personal accounts (on-shore and off-shore), exclusive pricing on select wealth management products, investment portfolio management, insurance and foreign exchange.


Stay informed and up-to-date on global market trends with daily currency updated, weekly market analysis, and investor insights. As a Citigold client, in addition to personalised insights from your dedicated team, you have access to market highlights, forecasts for key currencies, updates on foreign exchange markets and Citi foreign exchange forecasts. You can also access weekly market analysis, quarterly and mid-year outlook reports and Citi wealth insights.


The exclusive privileges and offers attached to Citigold and Citigold Private Client relationships are extensive and can be grouped into:

  • Promotions: From joining bonuses to rewards when you introduce friends to come onboard, Citigold promises a rewarding experience.
  • Lifestyle Privileges: Experience true luxury, with compliments from Citigold. Choose from numerous benefits like complimentary credit cards, golf benefits, dining and leisure specials, VIP shopping experiences, grocery and fitness offers. There are even learning privileges through platforms like Udemy and Lingokids, for the academic-minded. Whatever your lifestyle preferences, Citigold has something curated specially for you.
  • Global Advantage: The world is a global village. With a Citigold relationship, you can manage your wealth globally with ease whether you are travelling, investing overseas, or planning international education for your child.
Global Citizen Global Traveller
Citibank Global Transfer

Enjoy instant, no-fees global money transfers between your local or overseas Citibank accounts via the online service.

Citibank Global Wallet

Shop online or spend overseas with your Citigold Debit Mastercard without currency conversion charges and transaction processing fees. You can even lock in favourable FX rates on multiple currencies

Global View of Accounts

Access and manage your local and overseas Citibank accounts simply and securely with a single view.

Global ATM Access

Enjoy free cash withdrawals from any Citibank ATM around the world using your Citibank Debit Mastercard.

Extensive Network

Access Citi’s extensive network of branches, Citigold Centres and ATMs, plus round-the-clock services on Citibank Online and Citi Mobile.

Emergency Cash

If you need emergency cash while travelling, you can visit any of our Citigold Centres and withdraw up to USD 10,000 instantly from your account.

Global Market Insights

Get access to the latest market insights and webinars, helping you to understand market trends and capture opportunities.

Citi World Privileges

Enjoy attractive deals at the world's leading hotels, retail shops, restaurants, tourist attractions and more.

Get Started with Citigold

Embarking on a Citigold journey is financially rewarding and full of benefits. To apply, simply fill the convenient online form and we will get in touch with you within the shortest possible time. There is currently an exclusive cash offer when you join Citigold, so delay no further!


This article does not constitute any offer or solicitation to buy or sell. Investors should refer to the relevant offering document(s) for detailed information and applicable terms & conditions prior to subscription. Investment products are not bank deposits or obligations or guaranteed by Citibank N.A., Citigroup Inc. or any of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental agencies. Investment and Treasury products are subject to Investment risk, including possible loss of principal amount invested. Past performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may cause loss of principal when foreign currency is converted to the investors home currency. Investment and Treasury products are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions of the individual investment and Treasury products. Customer understands that it is his/her responsibility to seek legal and/or tax advice regarding the legal and tax consequences of his/her investment transactions. If customer changes residence, citizenship, nationality, or place of work, it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not provide legal and/or tax advise and are not responsible for advising him/her on the laws pertaining to his/her transaction. Citibank UAE does not provide continuous monitoring of existing customer holdings.

Citibank, N.A. - UAE Branch is licensed by the Central Bank of the UAE as a branch of a foreign bank.

Citibank N.A. UAE is licensed with UAE Securities and Commodities Authority ("SCA") to undertake the financial activity as a Promoter under license number 602003.

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Dania Nwizu is a creative entrepreneur based in Lagos, Nigeria. She spends most of her time writing, telling food stories and walking on water.

This article is intended to provide general information about finance and investments and does not replace or should be taken as professional financial advice. The content reflects the view of the author of the article and does not necessarily reflect the views of Citi or its employees, and we do not guarantee the accuracy or completeness of the information presented in the article except information on Citibank N.A. – UAE products referenced herein.
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The views expressed here are those of the authors and do not necessarily represent or reflect the views of Citibank UAE. The information in this website does not constitute investment advice or an offer to invest or to provide management services and is subject to amendment without notice.

The products and services mentioned on this page are not offered to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, The Isle of Man or the UK. The content on this page is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals.