Sometimes, you expect more from your banking relationship than everyday transactions or access to credit. You want a trusted partner who can offer expert financial advice, tailored wealth strategies, premier banking services, and access to global investment opportunities. For clients with significant portfolios, Citigold and Citigold Private Client provide exclusive benefits — from personalised wealth planning to global fee waivers and premium lifestyle privileges — earning recognition among the top banking packages for affluent investors in 2025.
Citigold is Citi’s comprehensive wealth management package, available to clients who maintain a minimum combined balance of USD 200,000 across accounts and investments. It offers premier banking and investing services, with onshore and offshore banking benefits, access to a diversified portfolio of global investment products, and tailored wealth-building strategies supported by dedicated advisory. Citigold clients also enjoy global ATM fee reimbursements, waived wire transfer fees, and the convenience of a single Global View of Accounts to manage wealth seamlessly across borders. 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.
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 | Y Led by a Citigold Relationship Manager |
Y 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 200,000 | USD 1,000,000 |
| Membership fees/charges | None | Y (free) |
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 — including those involving significant, cross-border portfolios — 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 as your personal financial consultant and advisor. You can expect expert advice and guidance around personal accounts (onshore and offshore), exclusive pricing on select wealth management products, investment portfolio management, insurance, and foreign exchange — along with access to specialised opportunities designed for significant and globally diversified portfolios.
Stay informed and up-to-date on global market trends with daily currency updates, 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 — all available through Citi’s secure online platforms and mobile app, with exclusive briefings and webinars curated for clients with significant portfolios.
The exclusive privileges and offers attached to Citigold and Citigold Private Client relationships are extensive and can be grouped into:
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. |
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!
Choosing Citigold or Citigold Private Client means getting more than just a bank account — it means having a trusted partner to help grow and protect your money. With personal advice, global banking benefits, and special lifestyle privileges, each option is built for clients who have larger portfolios and want expert support. Citi aims to ensure your banking meets your current needs and supports your long-term goals.
Disclaimer
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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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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