As a Citibank customer, you have access to a range of banking options including Internet Banking, CitiPhone Banking and a worldwide ATM network.
Easi-Pay is Citibank's convenient Direct Debit facility which enables you to have the regular payments to your Citibank account automatically debited from your nominated bank account held within Australia.
To apply, simply download and complete the relevant Easi-Pay application form below and return the original to Citibank in order for the facility to be set up on the account.
- Credit Card Easi-Pay application form (Adobe PDF, 116 KB)
- Ready Credit Easi-Pay form (Adobe PDF, 116 KB)
- Personal Credit & Business Credit Easi-Pay form (Adobe PDF, 179 KB)
- Diners Club Credit line and Personal Instalment loan Easi-Pay form (Adobe PDF, 179 KB)
- Mortgages Easi-Pay form (Adobe PDF, 174 KB)
Please Note:
For CreditCards, ReadyCredit, Personal Credit & Business Credit accounts, if you make any manual payments between due dates, then Easi-Pay will only draw the difference between the amount of the manual payments and the Easi-Pay amount.
BPAY is one of the best ways to manage your bills. It's fast, easy and convenient. It is today's way of paying bills to over 14,000 billers throughout Australia.
- BPAY provides you with a one-stop solution to bill payment. No more queuing, no more envelopes and stamps, no more dealing with many different companies to pay individual bills. In short, no more hassle. You just need to make one call to CitiPhone Banking or log into Citibank Online any time 24 hours a day, seven days a week.
- You can pay bills for over 14,000 billers from your Citibank accounts. Look for the BPAY logo on your bill. Depending on the type of bill, you can choose to pay from your savings account, loan account or credit card. Using your Citibank credit card to pay bills is a great way of earning Rewards points - these can be redeemed for vouchers, gifts or Qantas Frequent Flyer points!
- BPAY is also an efficient way of making your repayments on your Citibank accounts. You can control how much you pay each month and when. Forget the routine of standing in queues at Australia Post each month, BPAY is fast, flexible and convenient.
- You can pay multiple bills on the one phone call, or one Citibank Online banking session - 24 hours a day, seven days a week.
- Ensure you are registered with your financial institution's Internet and/or Phone Banking service
- Access their Phone Banking and/or Internet Banking service and follow their prompts
- Select a cheque or savings account (note: Citibank accounts cannot be paid by a Credit Card)
- Enter the Citibank Biller Code
- Credit Cards - 49502
- Mortgages - 49510
- Personal Loan - 49593
- ReadyCredit/Diners Club Credit Line - 49528
- Personal Credit - 49726
- Business Credit - 49734
- Enter your Citibank Account number as the customer reference number
- Enter the amount and if applicable, payment date
- Wait for the receipt number.
- Credit Cards (check the back of the bill to see if the biller accepts credit card payments)
- ReadyCredit, Diners Club Credit Line, Personal Credit and Business Credit
- Transaction/Savings Accounts eg. Citiplus Transaction Account, Online Cash Manager, Citi Investment Account, Cash Management Account.
- Revolving Mortgage Accounts (not available from Standard or Variable mortgages).
Look for the BPAY logo on each bill you receive
| Call CitiPhone Banking on 13 24 84 | Sign on to Internet Banking at citibank.com.au |
| Select option 1 for Funds Transfer/BPAY | Sign on using your User ID and password |
| Enter your card number/account number and Telephone PIN (TPIN) | Select Bill Payments and Transfers |
| Follow the simple instructions | In Step 1 select your BPAY payee or 'One Time Bill Payment' |
| Follow the simple instructions | |
| Wait for the receipt number | Wait for the receipt number |
| Want to pay more bills? Just follow the prompts | Want to pay more bills? Just select 'Make Another Payment' |
Note: To make a repayment on your Citibank account from another Citibank Account, choose "Transfer between Accounts" not BPAY.
As a Citibank customer you are automatically registered to use BPAY. If you need assistance with using CitiPhone Banking or Citibank Online for the first time, please call one of our Customer Service Officers on
13 24 84 for assistance 24 hours a day, seven days a week.
You can make a funds transfer from either:
- A linked Citibank account (not credit card or other Ready Credit) through Citibank Online or CitiPhone Self Service Banking. To transfer funds from an existing Citibank account, sign on to Citibank Online or phone
13 24 84 to use CitiPhone Banking, then follow the prompts. - Another bank account. If your other institution provides online banking, you can elect to make an online funds transfer from your nominated account to your Citibank account. Simply enter the following information:
- The Citibank BSB Number which is 242 200
- Your nine digit Citibank Account Number
You can make deposits and payments by cheque to your Citibank account in the following ways:
Received by Mail - three business days (from the time Citibank receives the cheque)
| Payment Processed | Credit Cards & Ready Credit^ | Deposit accounts | Mortgages |
| By Citibank on: | Cheque Clearance | Cheque Clearance | Cheque Clearance |
| Monday | Thursday | Thursday | Thursday |
| Tuesday | Friday | Friday | Friday |
| Wednesday | Saturday* | Saturday* | Saturday* |
| Thursday | Tuesday next week | Tuesday next week | Tuesday next week |
| Friday | Wednesday next week | Wednesday next week | Wednesday next week |
Notes:
- The above times are based on the day Citibank receives the cheque deposit at our processing centre and processes it. Further time should be allowed from the date you post the cheque to the cheque being received by Citibank.
- Cash deposits will not be accepted by mail. Cash deposits should never be sent by mail under any circumstances.
National Australia Bank - three business days
| Payment Processed | Deposit accounts | Mortgages |
| By National Australia Bank on: | Cheque Clearance | Cheque Clearance |
| Monday | Thursday | Thursday |
| Tuesday | Friday | Friday |
| Wednesday | Saturday* | Saturday* |
| Thursday | Tuesday next week | Tuesday next week |
| Friday | Wednesday next week | Wednesday next week |
Notes:
- Cash transactions for Deposit accounts are treated as cheques for clearance purposes.
- For mortgage accounts, cash will clear immediately.
- Credit Cards & ReadyCredit payments are not accepted at NAB Branches.
- National Australia Bank will accept payments to an account in a business name.
Australia Post - up to seven business days
| Payment Processed | Credit Cards & Ready Credit^ | Deposit accounts | Mortgages |
| By Australia Post on: | Cheque Clearance | Cheque Clearance | Cheque Clearance |
| Monday | Tuesday next week | Saturday*(or Wednesday if the cheque is over $5,000) | Saturday* |
| Tuesday | Wednesday next week | Tuesday next week(or Thursday if the cheque is over $5,000) | Tuesday next week |
| Wednesday | Thursday next week | Wednesday next week(or Friday if the cheque is over $5,000) | Wednesday next week |
| Thursday | Saturday* next week | Friday next week(or Tuesday if the cheque is over $5,000) | Friday next week |
| Saturday | Tuesday next week | Saturday* next week(or Wednesday if the cheque is over $5,000) | Saturday* |
Notes:
- Clearance times are longer through Australia Post than other channels as Australia Post is an agent, not a financial institution.
- If you have been issued with a card (credit card or Citicard) and you swipe your card when making the payment; the payment is processed immediately.
- If you pay in after 6.30pm Sydney time the payment is processed at 6.30pm the following business day.
- Where you are paying in cash and cheques to a deposit account, Citibank advises you to pay cash and cheque elements in on separate deposit slips to ensure cash is cleared promptly without being subject to cheque clearance times.
- Australia Post will not accept payments to an account in a business name. It is recommended that business account holders use National Australia Bank branches.
Cheque Clearance Guidelines:
- Clearance days are based on business days in all cases. Allowances should therefore be made for Public Holidays and weekends.
- While the times quoted below are based on the standard cheque clearance processes; they should only be used as a guideline. A cheque should not be considered cleared until it appears as cleared funds in your account.
- When making a cheque payment to your account, it will assist us if you make your cheque payable to your Citibank account number and specify your account type e.g. Citibank Platinum Credit Card account number. It would also assist us in processing your payment if you write the actual account number on the back of your cheque.
- Cheques payable to the accountholder may also be accepted (e.g. dividend cheque, Medicare refund, etc) but cheques payable to a third party will not be accepted.
^Including Personal Credit, Business Credit and Diners Club Credit Line
*Where clearance falls on a Saturday, you can access funds via ATM/EFTPOS/Australia Post , or make deposits & payments via CitiPhone Banking and Citibank Online.
You can make payments at any Australia Post office displaying the Bank@Post™ symbol using cash or EFTPOS and they'll be processed immediately. Remember to take your deposit slip (see below for more information on deposit booklets) and your Credit/Access Card for a faster transaction. For payments made at any other Australia Post. Please allow 48 hours for the payment to reach your account. When paying by cheque at any Australia Post office, please allow seven business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited. Fees apply.
National Australia Bank accepts deposits into your Citibank Mortgage, as well as your Deposit and Transaction accounts.
For payments made at National Australia Bank using cash, payment will reach your account the next business day (or Saturday if deposited on Friday). When paying by cheque (or mixed cash and cheque), please allow three business days for the cheque to clear. However, funds will be considered received the day the cheque is deposited.
Please note: If you are depositing funds by cheque, you must have a pre-encoded deposit book (see below for more information on deposit books). However if you are depositing cash you can use a National Australia Bank deposit slip.
You can use your deposit book to make a deposit or payment into your account by mail, at Australia Post or at a National Australia Bank (for Deposit accounts and Mortgages only).
You can order a deposit book online by signing onto our secure Internet banking website, Citibank Online. Once signed on, select 'Account Services' located at the top of the screen, then 'Banking Services' in the sub-menu. From the list of options, select 'Request a Cheque/ Deposit Book' and the account on which you'd like to order the deposit book and then select 'Next'. Allow approximately 7-10 working days for delivery of your new deposit book.
You can also order by calling CitiPhone on 13 24 84, or by mailing us a request (or sending us the reorder voucher from your existing deposit book) to Citibank Banking Services, GPO Box 40, Sydney NSW 2001.
Making withdrawals
Withdrawals from your Citibank accounts can be made using the following options.
| INTERNET BANKING | CITIPHONE | ATM3 | AUSTRALIA POST3 | OTHER3 | |
| CREDIT CARDS | Cash - up to $1,000 per day2 | Cash - up to $1,000 per day | EFTPOS to pay for goods and services OVER THE COUNTER withdrawals at any bank in the world that displays the VISA or MasterCard logo (photo identification required) |
||
| LOANS / MORTGAGES | Funds Transfer (Australia & abroad) Order Bank Cheque |
Funds Transfer | Cash - up to $3,000 per day2 | Cash - up to $1,000 per day | EFTPOS to pay for goods and services and obtain cash out Cheque book facility |
| READY CREDIT | Funds Transfer (Abroad only) Order Bank Cheque |
Cash - up to $3,000 per day2 | Cash - up to $1,000 per day | EFTPOS to pay for goods and services and obtain cash out Cheque book facility |
|
| DEPOSIT ACCOUNTS For example transaction and cash management accounts |
Funds Transfer (Australia & abroad) Order Bank Cheque |
Funds Transfer | Cash - up to $1,000 per day2 | Cash1 - up to $1,000 per day | EFTPOS to pay for goods and services and obtain cash out Cheque book facility available on some accounts |
- Not available for the Online Cash Manager or Traveller Account
- Multiple withdrawals may be required to access up to $1,000
- Citicard or Citibank Credit Card and ATM PIN required
Fees and charges may apply for certain transactions. For more information, please check the Terms & Conditions of your account.
Paying bills
Payments from your Citibank account can be made using the following options.
| INTERNET BANKING | CITIPHONE | ATM1 | AUSTRALIA POST1 | |
| CREDIT CARDS | BPAY1 | BPAY | Withdraw cash to pay your bills - up to $1,000 per day2 | Pay for bills that feature the Bank@Post logo |
| LOANS / MORTGAGES | Funds Transfer (to Citibank accounts only) BPAY |
Funds Transfer (to Citibank accounts only) | Withdraw cash to pay your bills - up to $1,000 per day2 | Pay for bills that feature the Bank@Post logo |
| READY CREDIT | BPAY | BPAY | Withdraw cash to pay your bills - up to $1,000 per day2 | Pay for bills that feature the Bank@Post logo |
| DEPOSIT ACCOUNTS For example transaction and cash management accounts |
Funds Transfer (to Citibank accounts only) BPAY |
Funds Transfer (to Citibank accounts only) BPAY |
Withdraw cash to pay your bills - up to $1,000 per day2 | Pay for bills that feature the POSTbillpay logo |
Some Billers stipulate that payments cannot be made from Credit Card accounts. Always check your bill for the different payment methods available.
- Citicard or Citibank Credit Card and ATM PIN required
- Multiple withdrawals may be required to access up to $1,000
Payments to your Citibank Account can be made using the following options.
You cannot transfer funds between your Citibank Credit Card and Ready Credit accounts.
| INTERNET BANKING | CITIPHONE | MAIL CHEQUE TO | AUSTRALIA POST1 | NATIONAL AUSTRALIA BANK | EASI-PAY2 | |
| CREDIT CARDS | Funds Transfer (from your Citibank Account) BPAY (from another financial institution) |
Funds Transfer (from your Citibank Account) BPAY (from another financial institution) |
Citibank Pty Ltd GPO Box 749F Melbourne VIC 8105 | Cash or Cheque | An automatic payment system that draws your monthly repayment from your nominated bank account | |
| LOANS / MORTGAGES | Funds Transfer (from your Citibank Account) BPAY (from another financial institution) |
Funds Transfer (from your Citibank Account) BPAY (from another financial institution) |
Citibank Mortgages PO Box 540 VIC 8060 | Cash or Cheque | Cash or Cheque | An automatic payment system that draws your monthly repayment from your nominated bank account |
| READY CREDIT | Funds Transfer (from your Citibank Account) BPAY (from another financial institution) |
Funds Transfer (from your Citibank Account) BPAY (from another financial institution) |
Ready Credit GPO Box 749F Melbourne VIC 8105 | Cash or Cheque | Cash or Cheque | An automatic payment system that draws your monthly repayment from your nominated bank account |
- Deposits for business accounts are not accepted at Australia Post outlets
- You can request a form by calling CitiPhone Banking on 13 24 84 or print from Citibank Online internet banking
- Fees and charges may apply for certain transactions. For more information, please check the Terms & Conditions of your account.
Account maintenance
You can contact Citibank at any time - 24 hours a day, seven days a week to check, confirm or change your account details.
| INTERNET BANKING | CITIPHONE | POST | |
| CHANGE CONTACT DETAILS | Citibank Pty Ltd GPO Box 40 Sydney NSW 2001 |
||
| CHANGE ATM PIN | |||
| CHANGE TELEPHONE PIN (TPIN) | |||
| ACTIVATE CARD | |||
| REPORT LOST / STOLEN CARD | |||
| TRANSFER FUNDS TRANSFER MONEY ABROAD BILL PAYMENTS |
Between authorised Citibank accounts* To another bank Overseas |
Between authorised Citibank accounts* | Wealth Management Operations GPO Box 3483 Sydney NSW 2001 |
| SET UP A STANDING ORDER (Deposit Accounts only) |
Wealth Management Operations GPO Box 3483 Sydney NSW 2001 |
||
| CHECK ACCOUNT BALANCE | |||
| ACCOUNT INFORMATION | |||
| ORDER A STATEMENT | Citibank Pty Ltd GPO Box 40 Sydney NSW 2001 |
||
| ORDER A DEPOSIT BOOK | Citibank Pty Ltd GPO Box 40 Sydney NSW 2001 |
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| ORDER A CHEQUE BOOK | Citibank Pty Ltd GPO Box 40 Sydney NSW 2001 |
||
| STOP A CHEQUE | |||
| PURCHASE A BANK CHEQUE OR DRAFT | Wealth Management Operations GPO Box 3483 Sydney NSW 2001 |
* Funds cannot be transferred between Citibank Credit Card and Ready Credit accounts
Fees and charges may apply for certain transactions. For more information, please check the Terms & Conditions of your account.
Streamline your banking with a consolidated view of your Citibank accounts. Global View of Accounts lets you can see an overview of your Citibank account balances, in selected countries, via Citibank Online using a single login.
This service is available between eligible Citibank accounts in the following countries:
- Australia
- India - NRI (view only)
- Philippines
- United Arab Emirates
- China
- Indonesia
- Singapore
- United States (view only)
- Hong Kong (view only)
- Malaysia
- Thailand
View an online demo of how Global View of Accounts works.
Details of fees, charges, dispute resolution and terms & conditions are available by calling 13 24 84 or at citibank.com.au. Any advice is general advice only. It was prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider if its appropriate for your particular circumstances.
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