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Citigold vs Citigold Private Client - Compare Wealth Management Solutions
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What is Citigold?
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What is Citigold Private Client?
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Citigold vs Citigold Private Client: Key Differences
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How to choose between Citigold vs Citigold Private Client
Citigold is a premier banking service from Citibank that includes comprehensive wealth management for banking, investing, along with a range of premium perks and exclusive benefits. A Citigold relationship offers access to:
- Dedicated Relationship Manager
- Wealth advisory
- Preferential pricing
- Investment opportunities globally
- Lifestyle and travel privileges
Citigold members pay no monthly fees or charges to maintain a Citigold relationship in the UAE, however, eligibility criteria apply
Citigold eligibility
Citigold makes banking seamless and efficient for high-net-worth individuals. To qualify, individuals must maintain a minimum balance of USD 200,000 (or its equivalent in other currencies) across cash, deposits, and investments. No further fees or charges apply.
Citigold Private Client is an elevated financial relationship that provides a higher level of service and wealth management. It includes many of the services and products offered with Citigold, but with some extras. Citigold Private Clients get access to:
- Private client banking solutions
- Wealth solutions and advisory
- Dedicated Senior Relationship Manager
- Dedicated Portfolio Counselor
- Preferred pricing on select products
- Global investment and banking opportunities
- Exclusive travel and lifestyle perks
As with Citigold, there are no additional costs associated with this relationship.
Citigold Private Client eligibility
Citigold Private Client provides advisory, insights, a dedicated team, and unparalleled privileges. To be eligible for a Citigold Private Client banking account in UAE, individuals need to maintain a minimum of USD 1,000,000 (or its equivalent in other currencies) across cash, deposits and investments. No further fees or charges apply.
Let's explore the main differences between Citigold and Citigold Private Client.
Eligibility
- Citigold requires members to maintain a minimum balance of USD 200,000/AED 750,000 (or its equivalent in other currencies) across cash, deposits, and investments.
- Citigold Private Clients must maintain a minimum balance of USD 1,000,000/AED 3,750,000 (or its equivalent in other currencies) across cash, deposits, and investments.
Advisory team
- Citigold members get access to a dedicated relationship manager, service relationship associate, treasury specialist and insurance specialist.
- Citigold Private Clients typically get access to an independent investment counselor in addition to the Citigold team.
Perks and privileges
- Alongside a range of travel and lifestyle benefits from Mastercard, Citigold members also enjoy Marhaba privileges and complimentary airport lounge access.
- Citigold Private Clients enjoy all the benefits included in Citigold as well as a complimentary chauffeur service to or from Dubai, Abu Dhabi International Airport(s) in a luxury limousine.
If your total assets amount to around USD 200,000, Citigold gives you premium wealth and banking services but there will be some limitations in service levels, exclusivity, perks.
However, if you have USD 1,000,000 or more in Citibank assets, then Citigold Private Client provides an elite package with more personalization, global / multi-currency flexibility, higher privileges and lifestyle benefits.
| Citibanking | Citigold | Citigold Private Client | |
|---|---|---|---|
| Eligibility (USD / AED) | < USD 200,000. | > USD 200,000 or > AED 750,000. | > USD 1,000,000 or > AED 3,750,000. |
| Advisory | No Dedicated Relationship Manager/Team. | Dedicated Relationship Manager, Service Relationship Associate & Treasury Specialist. | Dedicated Senior Relationship Managers supported by a team of Product and Wealth Specialists. |
| Self-service E-Brokerage service. | Best-in-class investment and insurance products. | Best-in-class investment and insurance products. | |
| Insights | In-depth global market insights and research knowledge from the Citigold Wealth Management and advisory team. | In-depth global market insights and research knowledge from the Citigold Wealth Management and advisory team. | |
| Insightful take-aways from market experts and financial management solutions at our quarterly investment seminars. | Insightful take-aways from market experts and financial management solutions at our quarterly investment seminars. | ||
| Privileges | Global Banking privileges including Worldwide Citigold lounge access. | Global Banking privileges including Worldwide Citigold Private Client and Citigold lounge access. | |
| 24-Hour dedicated Citigold Private Client Service Line. | 24-Hour dedicated Citigold Private Client Service Line. | ||
| Complimentary Airport pick-up and drop off chauffeur service, complimentary golf and Marhaba meet and greet service. | |||
| Pricing | Citibanking FX pricing & fees. | Citigold Preferential FX pricing & fees. | Citigold Private Client Preferential FX pricing & fees. |
| Credit Card Annual Membership Fee Waiver | Credit Card Annual Membership Fee Waiver (all Cards excluding Citi Ultima & Citi Prestige)*. | Credit Card Annual Membership Fee Waiver (all Cards excluding Citi Ultima & Citi Prestige)*. |
*Subject to maintaining minimum funding balances as per Segment.
Disclaimer
This website 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 is registered with Central Bank of UAE under license numbers BSD/504/83 for Al Wasl Branch Dubai, 13/184/2019 for Mall of the Emirates Branch Dubai, BSD/2819/9 for Sharjah Branch, and BSD/692/83 for Abu Dhabi Branch. Tel.: 04 311 4000.
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 of A) Financial Consulting, Introduction and Promotion under license number 20200000097 B) Trading Broker in International Markets under license number 20200000198 C) Portfolios Management under license number 20200000240 D) Custody under license number 602003. For additional disclaimers and disclosures related to the product and/or service mentioned in this communication that you need to be aware of, please visit here.
Open a Citigold account and receive up to AED 21,000 Cash reward
Copyright © 2025 Citigroup Inc.
Terms & Conditions:
I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank N.A. Citibank N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank N.A. from and against any losses, claims and/or liabilities incurred by Citibank N.A. as a result of having relied on such information. Citibank N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information.
Citibank.ae provides information about, and access to accounts and financial services provided by Citibank N.A. – UAE branch in the United Arab Emirates. It does not, and should not be construed as, an offer, invitation or solicitation of services outside of the United Arab Emirates. This website is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation, and none of the services or investments referred to in this website are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation.
Citibank is service mark of Citigroup Inc. or Citibank N.A., used and registered throughout the world.
Citibank N.A. UAE is registered with Central Bank of UAE under license numbers BSD/504/83 for Al Wasl Branch Dubai, 13/184/2019 for Mall of the Emirates Branch Dubai, BSD/2819/9 for Sharjah Branch, and BSD/692/83 for Abu Dhabi Branch. Tel.: 04 311 4000.
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 of A) Financial Consulting, Introduction and Promotion under license number 20200000097 B) Trading Broker in International Markets under license number 20200000198 C) Portfolios Management under license number 20200000240 D) Custody under license number 602003.
Copyright © 2025 Citigroup Inc.