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Citi Plus®

With Citi Plus®, you can always level up your wealth with our comprehensive wealth solutions – from savings, investment and protection to spending. Planning for your year-end vacation? Enjoy Citi Plus® perks to cover air ticket and hotel bookings before your trip, foreign currency exchange, to overseas withdrawals and spending. Expand your horizons with Citi Plus®. Live a little more.

6-month premium waiver
Enjoy 6-month premium waiver in the
first policy year upon successful
application for Zurich Lifestyle
Insurance Plan.

Click HERE to learn more

Upon successful application for
Zurich FlyAway Travel Insurance Plan to enjoy:
35% off on Single Travel Insurance Plan
25% off on Annual Travel Insurance Plan

Citi Plus® also provides you
with other insurance coverage.
Click HERE to learn more

Terms and conditions apply.

Complete Missions to enjoy
extra savings rate up to 1.5% p.a.
Your account comes with 0.55% p.a. base interest rate.
What’s more, earn up to
extra 1.5% p.a. interest on savings
by completing simple missions
💡 Warm reminder: all bonus interest rates earned in the current month will apply to your account balance in the next calendar month.

The interest rate of Citi Interest Booster will be determined by the Bank from time to time.
Enjoy stock buy fee waiver
with your Investment Playlist
You can trade HK/US/SH/SZ stocks just in one App! Enjoy the real-time convenience of stock trading without manual fund transferring!
Citi Plus Investment Playlist
$0 Brokerage Fee for
First 3 Months
HK Stock
HK$0
US Stock
US$0
Find Out More

Terms and conditions apply.

Credit Card Offer
Successfully apply Citi Plus or designated Citi Credit Card to earn exclusive welcome offer
Cash rebate up to HK$1,600
Welcome Offer Terms and Conditions
Product Key Facts Statement
Designated transaction is required.

Earn up to 2.05% p.a. interest on savings by completing simple missions

It’s easy to earn more with Citi Interest Booster. Begin with 0.55% p.a.2 base interest and complete simple missions, such as “Maintain Balance”, “Fund In”, “Spend” and “Invest, FX & Get Insured” to boost your interest rate up to 2.05% p.a.2. Track your progress anytime on the Citi Mobile® App!

More on Interest Booster >>

💡 Warm reminder: all bonus interest rates earned in the current month will apply to your account balance in the next calendar month.
Want to check out other FAQs? Click HERE now!

The interest rate of Citi Interest Booster will be determined by the Bank from time to time.
Citi Interest Booster on the Citi Mobile App

Start investing with as little as HK$1

Flexi Wealth lets you start investing3 with as little as HK$1. Buy and sell at your convenience with no transaction or monthly service fees.

Invest using our suggested mutual fund portfolios for as little as HK$100, less than the cost of a happy hour drink.

Trade stocks on the Hong Kong, US and China Connect - Shanghai and Shenzhen markets right from the app.

Guide to Citi Plus Investment Services & promotion
Citi Plus Investment Services on the Citi Mobile App

Shop the world, enjoy more rewards and pay less in fees

Using your Citi Plus Debit Mastercard and Credit Card to shop, dine and play in town or around the globe, you can boost your interest rate by 0.3% p.a.2 when using either Citi Plus card!

Enjoy up to 1% cashback5 on all your local spending with your Citi Plus Debit Mastercard. If you like online shopping abroad or travelling to other countries, you can activate the Citibank Global Wallet and exchange the foreign currencies at your preferred FX rates in advance. You can then enjoy fee-free6 by debiting directly from the 12 currencies with your Citi Plus Debit Mastercard.

Citi Plus Credit Card is dedicated for Citi Plus Account Holder, which allows you to earn Points and Interest simultaneously! Simply earn Points by spending with this Credit Card, and complete Citi Interest Booster’s missions to earn Bonus Interest Rate of 0.3% p.a.2! You can enjoy 3X Points4 for online shopping and fitness memberships! If you are not a Citi Plus Account Holder yet, remember to open the account and apply for Citi Plus Credit Card in one go to enjoy the welcome offer. Just few clicks and it is completed, act now!

Citi Plus Debit MasterCard & Citi Plus Credit Card

The fuss-free way to get
the right insurance protection

As your life changes, so will your needs: better get the right protection! Insurance is a valuable part of building a holistic financial portfolio, so Citi Plus has got you covered!

No matter what life stage you are in, we offer a comprehensive range of insurance coverage – from travel and home, through mobile phone protection, to life and medical insurance - enabling you to enjoy peace of mind.

Want to chat about your insurance needs? Visit any branch to talk with our Insurance Specialist.
Citi Plus Investment Services on the Citi Mobile App

One app to do it all!

Why wait in line when you can bank anytime, anywhere.
Your everyday banking needs, like fund transfers and foreign currency exchange, are at your fingertips with the Citi Mobile® App. Need help? Connect with customer support promptly with in-app messaging. Click here to discover more about the Citi Mobile® App.

Our branches will be able to support you on mortgages, personal loans, insurance and other designated services. Click here for details.
Messaging using Citi Mobile App
Messaging
Payment and Transfer using Citi Mobile App
Payment & Transfer
Quick account updates in Citi Mobile App
Quick account updates

Open a Citi Plus account to level up your money and your life!

Apply Now
If you do not have a Citibank banking account yet, make sure that you are between 18 and 64 years old, have a Hong Kong permanent Identity Card, reside in Hong Kong and have a Hong Kong correspondence address, then follow these simple steps to open your account:
  1. Start your application by clicking “Apply Now” and complete the form with your basic information.
  2. You will receive your application ID. Please save it for your records, as you will be required to enter the application ID on the Citi Mobile®️ App to continue the account-opening process.
  3. Get your HKID and address proof* ready.
  4. Download and open the Citi Mobile®️ App.
  5. Select “Open a bank account” and enter the application ID that you received when you completed the online form.
  6. Follow the instructions and provide the information^ required.
  7. Take a photo of your HKID, a selfie, address proof, signature and income proof if you are applying for a credit card.
  8. Create your username and password to complete your application.
Application form for Citi Plus
Choose whether to proceed with or without a credit card
Terms and Conditions of Citi Plus
Application ID for Citi Plus
Log In page for Citi Plus Account
Application Reference Number
OTP to login to Citi Plus Account
Verification of identity to login to Citi plus Account
Updating personal details
Updating professional details
Updating Legal details
Tips to capturing and verifying HKID
Verifying your HKID
Creating username and password for Citi Plus Account
Thank you page
*Notes about account opening and address proof
Citi Plus offers banking and investment services. During this application, you will open a Citi Interest Booster account and a Currency Manager account (collectively, “banking accounts”).

Address proof is required to open an investment account. You will be asked to provide address proof during this application in order to shorten the processing time when you open an investment account at a later date. At that time, you can simply go to the ‘Wealth’ tab to open an investment account in a few steps.

If you do not need investment services and therefore do not wish to upload your address proof, you can consider opening another type of account with us. To open another type of account, please visit one of our branches.
Tips for photographing your HKID
Try to avoid direct light sources
Try to avoid direct light sources
Especially overhead lighting
Place HKID on laptop
Remove all the accessories (e.g. hat, sunglasses, mask)
Do not place HKID on table with phone over the card
Position your face within the circle
Align with the white frame
Blink your eyes once to start the countdown
Ensure camera focus
Avoid glare and reflections until frame turns green
Adjust angle of your phone
For the second photo, please ensure your phone's flashlight reflection is within the red frame in the middle. The outer white frame will turn green, and the capture is complete!
Customer guidance on completing a CRS Self-Certification Form for Individuals
Please visit citibank.com.hk/crsg2 for guidance on completing a CRS self-Certification From for Individuals

Important Notes on Mutual Funds

The actual number of mutual fund providers and fund options may vary from time to time subject to the Bank’s sole discretion.
The above mentioned arrangement(s) do not constitute recommendation by Citi on the mutual fund provider(s) and/or the mutual fund options.

Important Notes on Insurance

Zurich Lifestyle Insurance Plan is underwritten by Zurich Insurance Company Ltd (the "Insurance Company"). Citibank (Hong Kong) Limited, being registered with the Insurance Authority as a licensed insurance agency, acts as an appointed licensed insurance agent for the Insurance Company. Citibank (Hong Kong) Limited's role is limited to distributing insurance products of the Insurance Company only and Citibank (Hong Kong) Limited shall not be responsible for any matters in relation to the provision of the products. Insurance products are products and obligations of the Insurance Company and not of Citibank (Hong Kong) Limited. Insurance products are not bank deposits or obligations of, or guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., Citigroup Inc. or any of their affiliates or subsidiaries, or any local governmental agency. All insurance applications are subject to Insurance Company's underwriting and acceptance. The Insurance Company is solely responsible for all approvals, coverage, compensations and account maintenance in connection with its insurance products.
To borrow or not to borrow?
Borrow only if you can repay!
Investment & FX trading involves risks and rates may go up or down.

^The information we ask for relating to your employment may be above local regulatory requirements but is required to fulfill our Global program obligations in allowing us to have a more adequate understanding of our customers.

Remarks:

  1. All offers are not applicable to existing banking clients of Citibank (Hong Kong) Limited and / or Citibank, N. A. (Citibank, N.A., organized under the laws of U.S.A. with limited liability) (“the Bank”) , including existing Citibanking or Citi Priority banking relationship whose relationship is transferred to Citi Plus banking relationship and clients who had a banking relationship with the Bank in the last 12 months.
  2. When you fulfill the requirements of all the missions and combine the bonus interest rates with your base interest rate, you will earn a total interest rate of 2.05% p.a. Terms and Conditions for Citi Interest Booster apply, please visit: click here. The interest rate of Citi Interest Booster will be determined by the Bank from time to time.
  3. You can enjoy the investment services by opening the investment accounts via the app on the ‘Wealth’ tab.
  4. Terms and Conditions for Citi Plus Credit Card - Points Accumulations and Redemption, please visit: click here.
  5. You can enjoy 1% cashback from Citi Plus Debit Mastercard in the first 6 months, and 0.5% afterwards.
  6. Citi does not charge for overseas Citi or Mastercard network ATM withdrawals. If a customer withdraws cash at overseas Mastercard network ATM, a surcharge may be levied by the overseas ATM operator.

Important Disclaimer:

You should seek advice from your professional advisors as to your particular tax position, including but not limited to estate duty and withholding tax that might arise from investing in overseas products. This material is for information purposes only and is not intended to constitute any offer or solicitation or advice to buy or sell any security. Investments are not bank deposits and are not obligations of, guaranteed or insured by Citibank (Hong Kong) Limited, Citibank, N.A., organized under the laws of U.S.A. with limited liability, Citigroup Inc. or any of its affiliates or subsidiaries, or by any local government or insurance agency, and involve risks, including the possible loss of the principal amount invested. Share prices may go down as well as up. Investment products are not available for U.S. persons and might only be applicable to limited jurisdiction. Any person considering an investment should seek independent advice on the suitability or otherwise of the particular investment.

Terms and Conditions:

Fees & Charges:

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