Citigold Priority Banking in Singapore
Updated: 5 Oct 2026
Citigold Sign-up Promotion via SingSaver
Ending 11 Oct 2026
Product | Eligibility | SingSaver Exclusive Offer | Stackable Citi Welcome Offer | ||
|---|---|---|---|---|---|
For New-to-bank Citigold Customers,
| ★ Highest Value Choose from one of the following:
Plus, get an extra S$200 when you fund your account in the first 2 months of account opening to qualify. |
| |||
For New-to-bank Citigold Customers,
| Choose from one of the following:
Plus, Get an extra S$200 when you fund your account in the first 2 months of account opening to qualify. |
| |||
For New-to-bank Citigold Customers,
| ♥ Most Popular Choose from one of the following:
Plus, get an extra S$200 when you fund your account in the first 2 months of account opening to qualify. |
| |||
For New-to-bank Citigold Customers,
|
|
| |||
For New-to-bank Citigold Customers,
|
|
|
*T&C Apply. Please refer to Promo Terms & Conditions for full details.
Citigold Priority Banking Account Key Highlights
-
- Earn up to 7.51% p.a. in interest by becoming a Citigold client and opening a Wealth First account. T&Cs apply.
- Limited Time Offer on 6 months Time Deposits up to 2% p.a.* interest. T&Cs apply. Time deposit rates end 31 Oct 2026
- Unlock a broader set of investment opportunities with Accredited Investor status.
- Pay in more than 150 currencies with no foreign transaction or currency conversion fees, using your Citigold Debit Mastercard with Citibank Global Wallet.
- Open a new Citibank Brokerage account and pay 0%* commission on online buy trades in the U.S. and Hong Kong markets for your first 6 months.
- Work with your own Relationship Manager, backed by a team of wealth specialists, for advice and solutions tailored to you.
- Stay ahead of the markets with global research and insights from more than 350 analysts.
- Get a wealth plan built around you with Citigold's Total Wealth Advisor.
- Keep your Citigold status when you bank at Citibank branches in 30+ countries.
Citigold
Max. Annual Interest Rate
Min. Assets Under Management
From S$250,000
Base Annual Interest Rate
0.01 %
Monthly Account Fees
S$15
The advertised 7.51% p.a. interest rate can be earned by performing transactions across 6 categories (plus the base interest) as described below,
| Category | What you need to do | Bonus interest | How long you earn it |
|---|---|---|---|
| Salary | Credit a salary of at least S$5,000 in a calendar month via FAST, PayNow or GIRO, with "SALARY" in the transaction description | 1.00% p.a. | Each month you meet the criteria |
| Spend | Spend at least S$750 on eligible retail transactions in a calendar month with your Citibank Debit Mastercard | 1.50% p.a. | Each month you meet the criteria |
| Invest | Make new lump sum investments (unit trusts, structured notes and/or bonds) totalling at least S$50,000 in a calendar month | 1.50% p.a. | 12 months |
| Insure | Buy new single premium insurance with total premiums of at least S$50,000 in a calendar month (CPF and SRS purchases excluded) | 1.50% p.a. | 12 months |
| Borrow | Take up a new home loan of at least S$500,000 (interest offset loans and overdrafts excluded) | 1.50% p.a. | 12 months |
| Save | Grow your average daily balance by at least S$3,000 compared with the previous month | 0.50% p.a. | Each month you meet the criteria |
| Base interest | No action needed | 0.01% p.a. | Always |
| Maximum interest when you meet all criteria | 7.51% p.a. | ||
Bonus interest is paid on the Citi Wealth First Account. For Citigold customers, it applies to the first S$250,000 of your average daily balance, provided you maintain a Total Relationship Balance of at least S$250,000. Otherwise, bonus interest applies to the first S$50,000 only. Investment purchases are only available to customers aged 21 and above. T&Cs apply.
But wait, there's more
For a limited time, Citigold members also get up to 2% p.a. on SGD and 4.5% p.a. on USD time deposits.
These are promotional rates for new funds only, so don't sit on it. Ends 31 Oct 2026.
| Currency | 3 months | 6 months | Min. new funds |
|---|---|---|---|
| SGD | 1.40% p.a. | 2.00% p.a. LIMITED TIME | S$250,000 |
| USD | 4.00% p.a. | 4.50% p.a. | US$200,000 |
Rates apply to new funds of up to S$5,000,000 (SGD) or US$5,000,000 (USD), and are the same across all deposit amounts in that range. Time deposits are separate from the Citi Wealth First account, and the 7.51% p.a. applies to Wealth First only. Promotion ends 31 Oct 2026. T&Cs apply.
Best Deal in the Market
Limited Time SingSaver Exclusive Signup Offer with gifts up to S$7,899. T&C Apply. Sign-up rewards end 11 Oct 2026.
An Accredited Investor is an individual who meets the requirements set out under the Securities and Futures Act, 2001 of Singapore and opts in to be treated as an Accredited Investor by the bank. To qualify, the individual will need to fulfil one of the following criteria below:
- Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency). Applies to combined assets of all account holders if it is a joint account; or
- An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency). Applies to primary account holder.
*Subject to meeting Accredited Investor eligibility criteria.
Visit https://www.citibank.com.sg/AccdInv for details on eligibility criteria and for more information about opting in as an Accredited Investor.
Who is Citigold for?
Citigold is ideal for individuals with significant financial assets who want expert support in managing and growing their wealth.
Recommended for:
-
Established professionals – Mid-career executives earning high incomes and planning long-term wealth goals like property investment, retirement planning, or their children’s education.
-
Business owners – Entrepreneurs who want to park idle cash, manage cross-border banking, or access curated investment options.
-
Globally mobile individuals – Frequent travellers or expats who want consistent priority banking and investment support across countries.
Not ideal for:
-
Young professionals just starting out – If you’re still building up your savings and haven’t hit S$250,000 in assets, Citigold may be premature.
-
DIY investors – If you prefer managing your own investments through brokerages, the value of Citigold’s advisory and bundled services may not justify the commitment.
FAQ
Yes, joint Citigold accounts are allowed, and the AUM can be shared between both account holders.
Citigold does not directly manage CPF monies, but your Relationship Manager can advise on how to use your CPF OA and SA for investing through the CPF Investment Scheme (CPFIS).
Citi Wealth First is a high-interest savings account, while Citigold is a full-fledged wealth management relationship. You can pair both to optimise cash yield and advisory benefits.
That depends. When you’re a Priority Banking customer, you have the ability to capitalise on investments without holding cash, by using the power of investment through leverage. This comes with its risks, since you may lose out if your investment goes up in smoke. Compounded with the interest charged with your loan, the result can be truly disastrous. However, if you’re judicious in the way you utilise your investment financing, Priority Banking can help you grow your funds.
Yes, international banking is one of the biggest perks of Priority Banking accounts. Most Priority Banking accounts offer easy FX solutions with no currency conversion or foreign transaction fees. For example, Citigold Priority Banking customers can transact in over 150 currencies when they pay with their Citigold Debit Mastercard, without incurring any additional fees.
>> Find out: Why choose Priority Banking?