Score the Latest Smartphone or S$1,000 Cash with Citigold
Updated: 23 Sept 2025
✅ Up to 7.51% p.a.* savings with personalized account options
✅ Exclusive rewards for Citigold members
✅ Trusted security with global banking standards
- SingSaver Exclusive Rewards
- Get S$1,000 or a brand-new smartphone (worth S$1,xxx) when you make a deposit of S$300,000 and opt in as an Accredited Investor.
- Alternatively, get S$500 when you deposit S$300,000.
- Enjoy additional S$200 Grab Voucher when you make a deposit of S$300,000 within the first 30 days from the date of account opening and maintain the funds until gift fulfilment.
- Enjoy additional S$200 Grab Voucher when you invest S$30,000 within 3 months from the date of account opening.
- Stackable Citi Rewards
- Enjoy $300 rewards when you become an accredited investor.
- Take up a Citibank Mortgage with min. loan size of S$800,000 within 3 months of account opening and get S$1,000 bonus cash reward.
- Complete Investment Risk Profile and Fact Find Report within 3 months of account opening and get S$100 bonus cash reward.
- Hold any valid Primary Citibank Credit Card within 3 months of account opening and get S$100 bonus cash reward.
- Opt in to be treated as an Accredited Investor on an individual basis in the capacity as the account holder within 3 months of account opening and get S$100 bonus cash reward.
- Enjoy Citigold Preferential Time Deposit Rates of up to 1.45% p.a. on a 3-month SGD Time Deposit.
- Terms and Conditions apply.
- Citigold Exclusive Benefits and Privileges
- Enjoy up to 7.51% p.a. interest when you join Citigold and open a Wealth First account. T&Cs apply.
- Enjoy zero foreign transaction or currency conversion fees in over 15 currencies with Citibank Global wallet when you pay with your Citigold Debit Mastercard.
- Enjoy 0%* commission buy trades online for U.S. & Hong Kong markets for 6 months when you open a new Citibank Brokerage account.
- Get wealth management advice and solutions from a dedicated Relationship Manager and team of wealth specialists
- Receive in-depth global market insights and research knowledge from a team of over 350+ research analysts.
- Enjoy fully personalised wealth management solutions with Citigold's Total Wealth Advisor.
- Citigold status is maintained at Citibank branches overseas.
- Read our full review of Citigold
- What is an Accredited Investor?
- An Accredited Investor is someone who meets the requirements set out by the Monetary Authority of Singapore (MAS) and has opted in to be treated as an Accredited Investor by the bank. Accredited Investors generally have access to a wider range of investment products than non-Accredited Investors, and at the same time require less regulatory protection.
- How to be an Accredited Investor
- Start your wealth journey with Citigold and speak to your relationship manager.
- Advantages of an Accredited Investor
- Expand investment opportunities
- Enjoy access to a wider range of financial products and services, including more sophisticated products to meet your bespoke wealth needs.
- Access to a team of dedicated wealth experts
- You can count on a dedicated Senior Relationship Manager and a team of experts to help you grow your portfolio and partner you to achieve your wealth goals.
- Expand investment opportunities
- Eligibility for Accredited Investor
- Net personal assets exceeding S$2 million in value (or its equivalent in a foreign currency); or
- Financial assets (net of any related liabilities) exceeding S$1 million in value (or its equivalent in a foreign currency); or
- An income in the preceding 12 months of not less than S$300,000 (or its equivalent in a foreign currency)
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:
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Established professionals – Mid-career executives earning high incomes and planning long-term wealth goals like property investment, retirement planning, or their children’s education.
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Business owners – Entrepreneurs who want to park idle cash, manage cross-border banking, or access curated investment options.
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Globally mobile individuals – Frequent travellers or expats who want consistent priority banking and investment support across countries.
Not ideal for:
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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.
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Minimalist savers – If your goal is just to park cash in a high-interest account without needing advisory services, simpler options may suit you better.
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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.
🏛️ Citigold at a Glance
Pros
Global Citigold status — enjoy priority banking privileges across 30+ countries
Dedicated Relationship Manager and team of wealth specialists
Wide access to investment products, including global equities, bonds, and FX
Personalised insights and portfolio reviews via the Citigold Total Wealth Advisor
Preferential rates on deposits, loans, and currency exchange
Lifestyle perks including dining, travel, and concierge experiences
Welcome rewards worth up to S$13,000 (as of 2025)
Cons
Requires minimum S$250,000 AUM — not accessible for all
Advisory services may be less valuable for DIY investors
Investment and insurance products still carry fees and risks
Relationship Manager quality may vary depending on branch and personnel
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?
Limited Time Offer
Start your Citigold relationship, deposit S$300,000, and unlock S$1,000 Cash via PayNow or a brand-new smartphone (worth S$1,xxx).