Activate the service in advance.

Activate the service in advance.

You are required to activate the overseas ATM withdrawal service on your ATM card and credit card(s) in advance if you wish to withdraw cash (including cash advances) from overseas ATMs1. You will need to set a daily withdrawal limit and an effective period for the overseas ATM withdrawal services.

Activation Channels

Citi Mobile App

STEP 1Download and sign on to the "Citibank HK" App
STEP 2Select "Manage ATM/Debit Card" from menu
STEP 3Select "Overseas ATM Withdrawal Service"
STEP 4Follow the instructions to complete the action

Online Banking

STEP 1log on to www.citibank.com.hk
STEP 2Select "My Profile", "Manage ATM/Debit/Credit Card" and "Overseas ATM Withdrawal Service Activation"
STEP 3Follow the instructions to complete the action

Citibank ATMs

STEP 1Select "Other Services"
STEP 2Select "Overseas ATM Withdrawal Service Activation"
STEP 3Follow the instructions to complete the action


STEP 1Select "Change Card Settings"
STEP 2Select "Overseas Transaction Settings"
STEP 3Follow the instructions to complete the action

Citibank branch

Click here to locate our branches

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As required by the Hong Kong Monetary Authority, the requirement will be imposed from March 1, 2013 for ATM and credit cards. The overseas ATM withdrawal service will be pre-set as "de-activated". So, if you want to withdraw cash from overseas ATMs on or after March 1, 2013, you will need to activate the overseas ATM withdrawal service by setting a desired daily overseas withdrawal limit and the active period. This is to further enhance the security for ATM services.

Citibank clients holding Citibank ATM or credit cards with the JETCO ATM logo are not required to perform the activation in order to withdraw cash from JETCO ATMs in Macau and China. However, please note that Citibank ATMs in Macau and China are not in the JETCO network, so you must activate the service if you wish to withdraw cash from these Citibank ATMs.

Starting from March 1, 2013, there are 4 channels available for you to modify the service:

  1. Citibank Online - Logon and select the overseas ATM withdrawal service activation
  2. Citibank ATMs and JETCO ATMs that display the JETCO chip-enabled ATM sticker
  3. Citibank Automated voice recording system - Call 2860033328600333 and follow the instructions.
  4. Citibank branches.

You must set the active period (start date and end date) and indicate a desired daily withdrawal limit in HKD. The start and end dates will be of Hong Kong time. If you are traveling overseas, please be aware that the time zone may be different from that of Hong Kong's.

Please log on to Citibank Online. Then select "Overseas ATM withdrawal service activation" on the right panel and follow the instructions. You will have to set both the active period and also the daily withdrawal limit for the ATM or credit card you would like to use overseas. Once you have completed the setup, you will receive a confirmation SMS.

The withdrawal setting will be effective upon reaching your selected start date for the active period. You will receive a confirmation SMS upon successful setup of the function.

You can perform the activation through Citibank Online or by calling our CitiPhone Banking at (852) 2860 0333(852) 2860 0333

The maximum daily withdrawal limit remains unchanged: HK$20,000 for Citibanking® clients and Citi Priority® clients; HK$40,000 for Citigold clients and Citigold Private Clients®. For credit cards, the maximum withdrawal limit depends on individual credit limits or a daily withdrawal limit of HK$40,000, whichever is lower.

No. The overseas ATM withdrawal limit is not shared among different cards. However, please note that if your credit cards have a shared credit limit, the available amount for cash withdrawal is still affected by the usage of your credit cards.

No. This security measure only affects the overseas ATM withdrawal service. It does not affect other ATM service functions. You can still access your accounts and make transfers at overseas ATMs.

The activation is free of charge. For overseas ATM cash withdrawal, waiver is only limited to the handling charge incurred by Citibank (Hong Kong) Limited and/ or Citibank, N.A.. For transactions effected in currencies other than Hong Kong dollars, the amount withdrawn will be converted into Hong Kong dollars at the prevailing exchange rate plus a conversion spread as determined by the Bank on the conversion day and debited from your account together with any charges that may be imposed by the respective ATM network provider (if any).

No. The withdrawal limit applies to all the accounts linked to your card.

You and your joint account holders are holding separate ATM cards with different card numbers. So you and your joint account holders should activate the service separately. Each of you should choose your own active period and daily withdrawal limit for your own ATM cards. As your own personal settings will not be changed by your joint account holders, no notification will be sent to you if they make a change to their own settings.

The overseas ATM withdrawal service for your own ATM/ credit card must be set up by yourself. Third party authorization is not accepted.

Yes. You can set it for your credit card. Please note that if your supplementary card has the same card number as the principal card, the activation period and daily limit you set will also apply to the principal card and/or other supplementary cards with the same card number. All cards with the same number will share the same setting.


  • If you withdraw cash from ATMs located in Mainland China and Macau, you will also need to activate the overseas ATM withdrawal service in advance. However, please note that you can withdraw cash from "JETCO" ATMs without the activation.