- Complete Investment Risk Profile Questionnaire
- Activate Citi Debit Card
- Login to Citi Mobile App at least once
Online Account Opening Guide
Visit our
branches now!
Offer 1: Welcome Offers
Citigold International Personal Banking Services
New Funds Offer
| New Funds Amount | Cash Rebate |
|---|---|
| HK$6,000,000 or above | HK$30,000 |
| HK$4,000,000-HK$5,999,999 | HK$20,000 |
| HK$2,500,000-HK$3,999,999 | HK$13,000 |
| HK$1,500,000-HK$2,499,999 | HK$9,000 |
Investment & Insurance Balance Offer
| Net Investment and Insurance Balance Growth | Rewards |
|---|---|
| HK$8,000,000 or above | HK$60,000 |
| HK$5,000,000- HK$7,999,999 | HK$32,500 |
| HK$3,000,000-HK$4,999,999 | HK$18,000 |
| HK$1,000,000-HK$2,999,999 | HK$6,000 |
| HK$500,000-HK$999,999 | HK$3,000 |
Engagement Offer
Complete the followings to enjoy
up to HK$500 cash rebate:
Mortgage Offer
New customer who successfully draw down a
mortgage loan will enjoy
HK$5,000 cash rebate
Professional Investor Sign-up offer
Complete the Professional Investor Declaration
Form and Maintain Professional Investor status
to enjoy
up to HK$1,000 cash rebate
Exclusive Welcome Offer for Citi credit card* customers
Citi credit card customers to open a Citigold account can enjoy extra 1% p.a. time deposit rate
3-month of new funds (HKD) up to 4.6%+ p.a. time deposit rate (valid until Sep 30, 2026)
The offer is applicable to 3-month HKD, USD, and RMB time deposits with new fund Capped at HK$1,500,000 equivalent principal amount
All welcome offers are not applicable to U.S.
citizens, except deposit interest rate. Investment
involves risks. FX trading involves risks and rates
may go up or down. T&C apply.
^Designated Investment(s) include Mutual
Funds (distributed by the Bank), Bonds, Certificate
of Deposits and Structured Products. Premium Account
is not included. Only subscriptions and/or purchase
for the Designated Investment(s) with at least 0.8%
subscription fees will be regarded as eligible
subscriptions and/or purchase under this Promotion.
This requirement is not applicable to subscription /
purchase for Certificate of Deposits.
* Citi credit card customers refer to customers who are the primary cardholder of an approved and valid Citi credit card as of November 30, 2026 and the application of Citi credit card submitted on or before banking account opening date.
+Time Deposit rates are annualized interest rates that are for reference only and are not guaranteed. The actual time deposit interest rate would depend on the terms and conditions of the promotion offers, deposit amount, currency, tenor and interest rate on the value date. All interest rates are subject to change due to market fluctuations without prior notice. Please refer to relevant terms and conditions and Important Disclaimer. The exclusive offer is applicable to the promotion of “Time Deposit Offer for New-to-bank Clients” and “Exclusive Time Deposit Top-up Rebate for Credit Card Customers”. Each primary cardholder is entitled to a maximum of 1% p.a. Exclusive Time Deposit Top-Up Rebate. Exclusive Time Deposit Top-up Rebate will be calculated based on the aggregate principal amount of eligible time deposit and credit to each eligible clients’ banking account as cash rebate equivalent in Hong Kong Dollar on or before May 31, 2027.
Citigold Private Client International Personal Banking Services
New Funds Offer
| New Funds Amount | Cash Rebate |
|---|---|
| HK$40,000,000 or above | HK$160,000 |
| HK$30,000,000 - HK$39,999,999 | HK$120,000 |
| HK$15,000,000 - HK$29,999,999 | HK$60,000 |
| HK$8,000,000- HK$14,999,999 | HK$40,000 |
Investment & Insurance Balance Offer
| Net Investment and Insurance Balance Growth | Rewards |
|---|---|
| HK$10,000,000 or above | HK$90,000 |
| HK$8,000,000- HK$9,999,999 | HK$65,000 |
| HK$5,000,000- HK$7,999,999 | HK$35,000 |
| HK$3,000,000- HK$4,999,999 | HK$18,000 |
| HK$1,000,000- HK$2,999,999 | HK$6,000 |
| HK$500,000- HK$999,999 | HK$3,000 |
Engagement Offer
Complete the followings to enjoy
up to HK$1,000 cash rebate:
-
Complete Investment Risk Profile
Questionnaire; and - Activate Citi Debit Card ; and
- Login to Citi Mobile App at least once
Mortgage Offer
New customer who successfully draw down a
mortgage loan will enjoy
HK$8,000 cash rebate
Professional Investor sign-up offer
New Citigold Private Client customer who
successfully signed up as a Professional
Investor will enjoy
HK$1,000 cash rebate
All welcome offers are not applicable to U.S.
citizens, except deposit interest rate. Investment
involves risks. FX trading involves risks and rates
may go up or down. T&C apply.
^Designated Investment(s) include Mutual
Funds (distributed by the Bank), Bonds, Certificate
of Deposits and Structured Products. Premium Account
is not included. Only subscriptions and/or purchase
for the Designated Investment(s) with at least 1%
subscription fees will be regarded as eligible
subscriptions and/or purchase under this Promotion.
This requirement is not applicable to subscription /
purchase for Certificate of Deposits.
Offer 2: Digital Acquisition Offer*
Successfully open the Citibank International Personal Banking Citigold
Private Client or Citigold account within the promotion period
via the Digital Acquisition and fulfill the new funds
requirements to enjoy extra cash rebate!
| Account | Exclusive Extra Cash Rebate |
|---|---|
| Citigold Private Client | HK$2,000 |
| Citigold | HK$1,000 |
*
"Digital Acquisition" is defined as Citibank International Personal Banking Citigold Private Client or Citigold customers
submitted information online, followed by an in-person
visit to a Hong Kong branch to complete the account
opening. The Online Application ID or Branch Appointment
Record will be generated upon information input and used
to define eligibility.Applicable only to Citibank International Personal Banking customer with an oversea correspondence address in Mainland China or Taiwan.
Refer your family and friends
Refer your family and friends to join Citigold Private Client and Citigold!
| Referee's Banking Account Opened | Referee's Banking Account Designated Balance |
|---|---|
| Citigold Private Client | HK$8,000,000 or above |
| Citigold | HK$1,500,000 or above |
| Hong Kong Island | |||
|---|---|---|---|
| Central | Causeway Bay | Wanchai | Taikoo Shing |
Taikoo Shing
Branch - Shop G13 & P27 Fu Shan Mansion, 25 Taikoo Shing Road
| Kowloon | ||
|---|---|---|
| Mongkok | Tsim Sha Tsui | Kowloon Tong |
FAQ
1
Installation Guidelines for Android Users (Without Google
Play Access only)
Android Application Package (APK) Download Link
https://www.citibank.com.hk/english/mbol/app/Citibank_HK.apk
Steps for Installation:
- Select “System Settings” > “General” > “Apps & Notifications” > “Special Access” > “Install unknown apps” > “File Manager”*
- Enable “Allow from this source”*
- Click the link to download Android application package (APK).
- Open the APK file and install.
- Disable “Allow from this source” after successful APK installation
*Exact settings location / button names varies with different Android Devices.
Version: 22.8
Last Update Date: 3 Oct 2025
Requires Android 10.0 and up
It is encouraged user to visit this page frequently and process manual update proactively to ensure your device got latest version of Citi Mobile® App.
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2
Android APK Download Security Tips
Security Tips
- If you got suspicious on a downloaded app, do not attempt to log in. Please stop any operations, delete the corresponding app and contact our staff immediately.
- Be aware and do not download any counterfeit app which could be attached with Phishing program / Trojan to steal your login information.
- Do not copy or install any app from uncertain sources on your mobile device.
- Please note that you should download the APK file from our Bank’s website only when you cannot access the Google Play.
- The aforesaid channel is the only authorized channels for downloading Citi Mobile® App APK. To protect your information, please do not download Citi Mobile® App via other unknown channels.
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3
Is there a minimum balance I need to maintain in my
International Personal Banking (IPB) account?
IPB Remote Account Opening allows customers that are based in
China to open Citigold Step-Up Interest Account,
Multi-Currency Account and Investment Accounts with minimum
balance at HK$ $1,500,000 or more
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4
Who is eligible to open an IPB account via online
channel?
You can open a IPB RAO account via online channel if you:
- Have a People's Republic of China Identity Card (PRC ID) and Exit & Entry Permit (EEP)
- Country of Residence and legal address in China
- Valid visiting reasons: study, work or migration
- Age between 18 and 65 years
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5
What do I need to prepare to open an IPB account via online
channel?
- Exit & Entry Permit (EEP)
- People's Republic of China Identity Card (PRC ID)
- Address proof
- Signature specimen on a piece of white paper
- E-Visa (Optional)
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6
How long does it take to open an IPB account via online
channel?
The account opening process in online channel will take a
minimum of 10 minutes to complete (based on our usability
test)
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7
Do I need to upload any document?
Yes, you need to upload address proof and signature specimen
during the application process via Citi Mobile® App. If we
need additional information or documentation from customer, we
will contact you and complete the account opening process
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8
Why do I need to upload my address proof?
Address proof is required to open an investment account. You
will be asked to provide address proof during the application
process so that the processing time when you decide to open an
investment account at a later date will be shortened. To open
an investment account, you in can simply go to the ‘Wealth’
tab Citi Mobile® App and follow the few steps afterwards
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9
What do I have to be aware of when taking a photo of
yourself for facial recognition?
When taking the photo, you need to:
- Look straight into the camera
- Remove all the accessories (e.g. hat, sunglasses, mask)
- Position your face within the circle
- Eyes must be at the same level as the camera
- Blink your eyes once to start the countdown
- Wait for the countdown, and blink again for the photo taking, and you are done, and
- Ensure adequate lighting with no shadows or glare, and
- Use a plain and clean background
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10
How can I resume my application?
You will receive an email and SMS with your application ID,
and you can simply follow the steps below to resume your
application:
- Open Citi Mobile® App
- Click on 'Open a bank account’
- Enter your application ID which has been sent to your mobile number or email address
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11
Does it mean that I have successfully opened an account
after successfully submitted the application via online and
mobile app?
No. Successful application does not mean that you have
successfully opened an account. We reserve the right to review
all submitted information and documents. You will be notified
once our review process is complete and a final decision has
been made regarding your account opening application. You must
visit our designated branch to activate the account within 60
days.
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Disclaimer
Android and Google Play are trademarks of Google Inc.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
The screens and information displayed are for illustration purpose only. Please refer to the Citi Mobile® App for actual screens.
-
Please read this disclosure carefully before proceeding with
your online account opening application.
By signing and submitting the preliminary documentation and any associated materials via courier or electronic means, you acknowledge and agree that this action constitutes solely a part of our preliminary information collection process. This step, including the submission of all required documents, does not signify the conclusion of your account opening with Citibank (Hong Kong) Limited and Citibank N.A. (collectively “Citibank”), nor does it constitute an agreement by Citibank to provide any offshore products or services to you.
The account opening documents, signed or submitted by you, will only become legally binding on Citibank upon our comprehensive review and explicit confirmation. We reserve the right to review all submitted information and documents, and to approve or decline your application at our sole discretion. You will be notified once our review process is complete and a final decision has been made regarding your account opening application.
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