Citibank Global Wallet The world in one wallet.Citibank Global Wallet The world in one wallet. Citibank Global Wallet The world in one wallet.

Citibank Global Wallet

The world in one wallet.

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MARKET-FIRST - Buy foreign currency
at preferred rate, spend without worry during your trip

Still queuing for foreign currencies and worrying about currency conversion charges for your trip?

Citibank Global Wallet frees you from both! Available to all Citi clients with Citibank Debit Mastercard or Citibank Cirrus® ATM Card, plus:

12 currencies you can hold and transact in, and we will switch to the right currency for you:

  • HKD

  •  

  • AUD

  • CAD

  • CHF

  • EUR

  • GBP

  • JPY

  • NZD

  • RMB

  • SGD

  • THB

  • USD

Planning to travel or buy lots of gifts this Christmas?
It’d be even merrier if you could “spend & earn”!
By Dec 31, 2019, use Citibank Global Wallet to spend overseas or shop online
in foreign currencies and get cash rewards!

  • To enjoy the rewards, clients are required to:
    1. Activate Citibank Global Wallet via Citi Mobile® App, and
    2. Use Citibank Global Wallet with your Citibank Debit Mastercard to make eligible Overseas Point-of-Sales ("POS") purchases or Online purchases settled in foreign currencies, with a cumulative spending of HK$8,000 or above.
  • Promotion period: From now till December 31, 2019. The reward will be applicable on a first-come-first-served basis to the first 3,000 eligible clients who successfully fulfill the spending requirement.
  • Terms & Conditions apply. Click here

Activate your Citibank Global Wallet via Citi Mobile® App, then spend online or overseas, or withdraw cash overseas by Dec 31, 2019.

  • To enjoy the Reward, clients are required to:
    1. Activate Citibank Global Wallet via Citi Mobile® App, and
    2. Use the Citibank Global Wallet and make a single eligible overseas transaction with net amount of HK$500 or above equivalent, including:
      - Overseas ATM cash withdrawal, or
      - Overseas Point-of-Sales (“POS”) purchase or Online purchase settled in foreign currency
  • Promotion period: From now till December 31, 2019. The Reward will be applicable to the first 5,000 eligible clients on a first-come-first-served basis while the quota lasts.
  • Terms & Conditions apply. Click here

0%

Spread for
FX transactions
 

Learn more >

$0

Surcharge for
overseas
ATM withdrawals

Learn more >

0.5%

Cash Rebate for
overseas spending
and online purchases

Learn more >

How to “save & earn” with
Citibank Global Wallet?

1. Lock in your preferred FX rates

Before your trip or spending, prepare sufficient foreign currencies at your preferred
FX rates with Citi Mobile® App!

Exchange foreign currencies at your preferred rates via spot trade in Citi Mobile® App 24/7, or pre-set your targeted rates and let us handle the rest for you.

See how to exchange at your targeted rate?

0%

spread
Enjoy the Bank's Cost Price for FX transactions
 
  • Existing clients: From now till December 31, 2019, existing clients can enjoy the Bank’s Cost Price for all foreign exchange transactions using HKD to buy foreign currencies via Citi Mobile® App under the “Currency Exchange / Trading” function successfully. Genuine 0% spread with no profit margins for the Bank! Terms & Conditions apply. Click here
  • New clients: From now till December 31, 2019, new clients can enjoy the Bank’s Cost Price for all foreign exchange transactions within the first 3 calendar months from account opening, via Citi Mobile® App under the “Currency Exchange / Trading” function. Terms and Conditions apply. Click here
  • FX trading involves risks and rates may go up or down.
 

2. We don’t charge when you spend

You can withdraw and pay with the exchanged foreign currencies from your account directly while you travel overseas or shop online. Easy and convenient!

Overseas ATM Cash Withdrawal*

Withdraw foreign currencies at any overseas Citi or Mastercard network ATMs

$0

Charge by Citi
Limited-time Offer: Rebate overseas ATM withdrawal surcharge
 
  • From October 1 to December 31, 2019, customer activates the Citibank Global Wallet and the Overseas ATM Withdrawal Service via Citi Mobile® App with the eligible debit card/ATM card, withdraw foreign currencies at overseas Mastercard network ATM and surcharge had been charged, the surcharge will be rebated.
  • If customer withdraws cash at overseas Mastercard network ATM, a surcharge may be levied by the overseas ATM operator. The surcharge will be credited as a rebate to the Eligible Customer’s relevant Call Deposit on or before February 29, 2020, in the same foreign currency of the cash withdrawal.
  • Terms & Conditions apply. Click here
  • Mastercard network ATMs include Mastercard® , Cirrus® , Maestro®
  • * Remember to activate both “Citibank Global Wallet” & “Overseas ATM Withdrawal Service” beforehand

 

Overseas spending and online purchases

With your Citibank Debit Mastercard, you can pay for your purchases without any extra charges

0.5%


Cash Rebate

Shop more, earn more!

Mastercard Traveler Rewards
Get EXTRA cashback from designated merchants when shopping overseas.
Click Here for the merchant list and learn more.
 
  • Remarks of “0.5% Cash Rebate”
  • From now till December 31, 2019, clients can enjoy the 0.5% cash rebate by using Citibank Global Wallet to make eligible Overseas Point-of-Sales (“POS”) purchases or Online purchases settled in foreign currencies.
  • Rebate(s) will be credited in phases to the eligible clients’ account subject to the transaction date(s). Terms & Conditions apply. Click here
  • Remarks of “Mastercard Traveler Rewards”
  • Click Here for Frequently Asked Questions of “Mastercard Traveler Rewards”
  • Click Here for Terms & Conditions of “Mastercard Traveler Rewards”
  • The Bank reserves the right to amend the terms and conditions without prior notice, and all matters and disputes are subject to the final decision of the Bank.
 
 Useful Tips

Online & Overseas Shopping^
Before using Citibank Global Wallet, make sure to turn on the “Contactless Payment” and “Online Purchase” functions!
Click Here to learn more

ATM Cash Withdrawal & Spending Limit
Before your trip, you can set your ATM cash withdrawal and spending limit
Click Here to learn more

Switch ATM card to Citibank Debit Mastercard
You can switch your current ATM card to Citibank Debit Mastercard to pay overseas and shop online through Citibank Global Wallet
Click Here to learn more
Click Here to learn more
Click Here to learn more
Click Here to learn more

^Only applicable to Debit Mastercard

Frequently Asked Questions

Citibank Global Wallet
Transactions and Withdrawals
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Who can use Citibank Global Wallet?

As long as you hold Citibank Debit Mastercard or Citibank Cirrus® ATM Card, you’re eligible to use Citibank Global Wallet, no matter you’re a customer of Citigold Private Client, Citigold, Citi Priority or Citibanking.

I’m a Citibank ATM cardholder. May I access all available functions of Citibank Global Wallet?

You can only make overseas ATM cash withdrawal through Citibank Global Wallet. If you also want to make overseas spending transactions through Citibank Global Wallet, apply for a debit card now. View the details here.

Which foreign currency accounts can be linked to Citibank Global Wallet?

You can link your Currency Manager to Citibank Global Wallet. If you have more than one Currency Manager, please pick one during enrolment. Once you turn on Citibank Global Wallet, all Call Deposit in the linked Currency Manager will be enrolled for Citibank Global Wallet.

What should I do if I want to switch to another Currency Manager?

You may visit "Citibank Global Wallet" in "Profile & Settings" to turn off Citibank Global Wallet and then turn it back on. You’ll be given another chance to select one of the Currency Managers.

How can I add new foreign currency to Citibank Global Wallet?

Very simple! Just tap “+” under “Citibank Global Wallet”, select a currency, and then a zero-balance Call Deposit of the currency you pick will be created and added to Citibank Global Wallet. You can exchange the foreign currency whenever you find the rates favorable.

Should I buy foreign currencies only after turning on Citibank Global Wallet?

You may buy foreign currencies even before turning on Citibank Global Wallet. The service enrolment doesn’t necessarily precede currency exchange.

Do I need to turn off Citibank Global Wallet after traveling?

You don’t need to turn off Citibank Global Wallet after traveling. When you spend or withdraw Hong Kong Dollar, the default Hong Kong Dollar account will be debited even though Citibank Global Wallet is enabled.

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Do I need to manually select the foreign currency Call Deposit each time when I transact in a different currency?

No, your debit or ATM card will automatically choose the right currency for you by matching the currency of the transaction or the withdrawal against the currency of the Call Deposit. You don’t need to switch between Call Deposit of different currencies manually.

What happens if I have turned on Citibank Global Wallet and there are insufficient funds in my Call Deposit when making an overseas spending transaction or ATM cash withdrawal?

The transaction or withdrawal will be declined if you have insufficient funds. You can buy foreign currencies via the Citi Mobile® App immediately and make the transaction or withdrawal again. Remember to prepare sufficient funds in your Call Deposit before traveling or shopping!

What happens if my Currency Manager and/or the relevant Call Deposit are blocked at the time of transaction or withdrawal?

The transaction or withdrawal will be declined. Please contact us for details. In case of emergency, you may visit “Citibank Global Wallet” in “Profile & Settings” to turn off Citibank Global Wallet to switch back to the default Hong Kong Dollar account to proceed the transaction or withdrawal (but handling fee and/or conversion spread, as stipulated in the service fee booklet from time to time, shall apply).

What happens if I transact in or withdraw a foreign currency that Citibank Global Wallet doesn’t support?

Your default Hong Kong Dollar account will be debited. Handling fee and/or conversion spread, as stipulated in the service fee booklet from time to time, shall apply.

If the overseas merchant or ATM gives me the option of settling the transaction or withdrawal in foreign currency or Hong Kong Dollar, which option should I pick?

If you want to complete the transaction or withdrawal through Citibank Global Wallet, you should choose to settle in foreign currency. If you choose to settle in Hong Kong Dollar, the merchant or ATM operator will use its exchange rate to convert the foreign currency transaction or withdrawal to Hong Kong Dollar, your default Hong Kong Dollar account will be debited. You won’t be able to use Citibank Global Wallet for such Dynamic Currency Conversion (DCC).

How do I identify whether it is a cash withdrawal or transaction of Dynamic Currency Exchange (DCC) and what should I do?

Dynamic Currency Conversion (DCC) can occur when withdrawing cash overseas, making online or overseas transaction. If an exchange rate shows up or offers an option to convert HKD to foreign currency or settles in Hong Kong dollars, such kind of cash withdrawal or transaction belongs to DCC. It is recommended to decline this kind of cash withdrawal or transaction to avoid DCC and attempt to settle in foreign currency. Citibank Global Wallet does not support DCC.

I have turned on Citibank Global Wallet. Why is my default Hong Kong Dollar account debited when I make an overseas spending transaction or ATM withdrawal?

If the merchant doesn’t obtain authorization for an overseas spending transaction, or if you withdraw cash during the system downtime, your default Hong Kong Dollar account will be debited. Note that system downtime lasts for a few minutes at around 5:00 am - 6:00 am every Monday to Friday, and around 0:00 am - 1:00 am every Saturday (Hong Kong time).

Which account should I select on the overseas ATM’s screen during an overseas cash withdrawal?

Some overseas ATMs may give you the option of choosing which account to withdraw cash from. On such screen, no matter you select default account, savings account, or checking/currency account, the Call Deposit of the withdrawal currency from the Currency Manager linked to Citibank Global Wallet will be debited.

How will the refund of an overseas spending transaction be handled?

When processing the refund, we’ll endeavor to credit the refund (together with any handling fee previously charged) to the Call Deposit debited for the original transaction if the refund was made by the merchant using the same trace number and/or authorization code of the original transaction so that we’re able to trace the original Call Deposit. If, however for any reason, we’re unable to trace the original Call Deposit, the refund (excluding any handling fee previously charged) will be credited to the Call Deposit of the refund currency (which may be different from the currency of the original Call Deposit), or (if Citibank Global Wallet is turned off or unavailable at the time of refund processing) be credited to the default Hong Kong Dollar account (in which event currency conversion will be involved and you may suffer loss as a result).

Which ATM should I use to withdraw cash overseas?

You may withdraw cash at any overseas Citibank or overseas Mastercard network ATM no matter you’re holding the Citibank Debit Mastercard or Citibank Cirrus® ATM Card. Mastercard network includes Mastercard, Cirrus and Maestro.

How do I find the overseas Citibank or overseas Mastercard network ATMs?

You may click here to search for the location of overseas Citibank ATMs.
You may click here  to search for the location of overseas Mastercard Network ATMs.

Is it really free for overseas spending transactions or ATM cash withdrawals made through Citibank Global Wallet?

Citi does not charge any handling fee for overseas spending transactions or ATM cash withdrawals made through Citibank Global Wallet. However, some overseas ATM operators may levy a surcharge in which your relevant Call Deposit will be debited to settle the surcharge.

Is there a transaction limit for overseas spending transactions made through Citibank Global Wallet?

Overseas and local spending transactions share the same set of transaction limits, including the point-of-sale transaction limit and the online purchase limit. You may visit “Manage ATM/Debit Card Limit” in “Profile & Settings” to check and change the limits anytime you want.

If I plan to withdraw cash overseas, do I still need to activate the overseas ATM cash withdrawal service after turning on Citibank Global Wallet?

You still need to activate the overseas ATM cash withdrawal service. View the steps here.

How can I check the transactions or withdrawals made through Citibank Global Wallet?

You can easily keep track of all your transactions or withdrawals performed by accessing the Citi Mobile® App or Citibank Online, or viewing your monthly statement. In general, the transaction records of overseas ATM cash withdrawals are shown online by 11:59pm on the next business day.

Are overseas spending transactions made through Citibank Global Wallet eligible for the existing Debit Card Cash Rebate Program as stipulated on the bank’s website?

Although the transactions are not eligible for the existing Debit Card Cash Rebate Program, we may launch promotional offers from time to time to help you get the most out of Citibank Global Wallet. Stay tuned for our update!

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