Daily transfer or bill payment limit

Banking flexibility.

Daily transfer limits can protect you from scams. If you make a payment that exceeds the relevant limit, the transaction will be automatically blocked. You can change your daily limits for various types of payments via Citi Mobile^® App or branches.

Fund Transfer Limit

Payment Types	Payment Channels	Default Daily Limit (HKD)	Maximum Daily Limit (HKD)
Local and Overseas Transfers
Transfers to Registered Local Payees Third-Party Citi Accounts Other Banks via Domestic Payment Networks¹	- Citi Mobile^® App - Citibank Online - CitiPhone Banking - Citi ATMs	1,000,000	3,000,000
Transfers to Registered Overseas Payees Citibank Global Transfer Other Banks via Telegraphic Transfer (Including Express Transfer)	- Citi Mobile^® App - Citibank Online	50,000	3,000,000
The maximum total amount you can send to registered local payees and registered overseas payees on a single day is HKD 3,000,000. This is a master limit.
Bill Payments
Payments to Registered Bill Payment Merchants	- Citi Mobile^® App - Citibank Online - Citi ATMs - JETCO ATMs	1,000,000	1,000,000
Payments to Registered Tax Accounts		No limit²	No limit²
Transfers to Non-Registered Payees
Small Value Transfers³	- Citi Mobile^® App - Citibank Online	10,000	10,000
ATM Transfers	- Citi ATMs	50,000	50,000

1. Domestic payment networks include but not limited to Faster Payment System (FPS) and Clearing House Automated Transfer System (CHATS). Transfers to Citibank, N.A. (bank code 006) are processed via domestic payment networks.
2. The maximum amount for each payment is HKD 999,999.
3. The daily limit for small value transfers is applicable to local payees, overseas payees, bill payments, FPS transfers and Citi Scan and Pay (including FPS x PromptPay QR Payment).

Please note that the daily transfer limits set out above are not applicable to payments initiated via branches or the CitiPhone Banking Hotline. Starting from October 30, 2023, the CitiPhone Banking Hotline no longer supports manual fund transfers with transaction amounts at or below HK$ 1 million. Please submit payment instructions via Citi Mobile® App or Citibank Online.

You may change the daily transfer limits via Citi Mobile® App according to your personal needs by following these steps.

1. Sign in to Citi Mobile^® App and go to “Services” via the icon at the top right corner of the screen.
2. Scroll down to the "PAYMENTS & TRANSFERS" section and tap "Daily Transfer Limits".
3. Tap the limit you wish to change and follow the onscreen instructions to update the limit.

If you are a new client who is in the first 20 days of account opening, a Citi NextGen Account holder (including the “Parental Protection” function used by parents) or a CitiBusiness^® client, or you hold designated types of accounts (including but not limited to power of attorney), please visit the Form Center on our website and submit the Increase Daily Transfer Limit Request Form / Decrease Daily Transfer Limit Request Form.

Your Withdrawal Limits & Spending Limits

Your Withdrawal Limits & Spending Limits

Local ATM Cash Withdrawal and overseas ATM Cash Withdrawal share the same daily ATM cash withdrawal limit.
Point-of-Sale Transaction and Contactless Payment share the same Spending Limit.

	Daily Limit for Local ATM Cash Withdrawals	Daily Limit for Overseas ATM Cash Withdrawal	Daily Spending Limit	Daily Limit for Card-not-present Transactions
Citigold Private Client	HK$ 80,000	HK$ 40,000	HK$ 300,000	HK$ 300,000
Citigold	HK$ 80,000	HK$ 40,000	HK$ 200,000	HK$ 200,000
Citi Plus, Citi Priority and Citibanking	HK$ 80,000	HK$ 20,000	HK$ 200,000	HK$ 200,000

You may set up a monthly spending limit and a monthly card-not-present transaction limit for your debit card to keep control of your spending made via the Mastercard® network each month and avoid overspend.

	Monthly Spending Limit	Monthly Limit for Card-not-present Transactions
Citigold Private Client	HK$ 9,300,000	HK$ 9,300,000
Citigold	HK$ 6,200,000	HK$ 6,200,000
Citi Plus, Citi Priority and Citibanking	HK$ 6,200,000	HK$ 6,200,000

View your withdrawal limit via Citi Mobile^® App

You can view and edit your withdrawal limit & spending limit at Citi Mobile^® App, anytime anywhere:

Before departing overseas, you may set your overseas ATM withdrawal limit when activating the Overseas ATM Withdrawal Service, click here for details.

Bill Payment Limit

Daily bill payment limit
Bill Payment Type	Payment Channels	Daily bill payment limit (HKD)
Bill Payment Type	Payment Channels	Default	Maximum amount
Tax payment	✓ Citibank Online ✓ Citibank Mobile ✓ Jetco ATM ✓ PPS	Unlimited¹
Pre-registered Accounts: Other bill payment	✓ Citibank Online ✓ Citibank Mobile ✓ Jetco ATM ✓ PPS ✓ EPS	1,000,000	1,000,000
Non-registered accounts: Other bill payment	✓ Citibank Mobile	10,000	10,000

You can pay bill payment up to 15 times a day, and the maximum amount of each payment is HK$ 999,999

¹Up to client's available account balance but subject to a maximum limit of HK$999,999 per transaction.

FAQ

General

How many types of daily fund transfer limit are there?

There are three types of daily limits for fund transfers via automated banking channels (i.e. Citibank Online, Citibank Mobile, ATM service and Automated CitiPhone Banking):
- Limit on transfers to registered account via local inter-bank fund transfer or third party’s local Citibank account
- Limit on transfer to registered account via Citibank Global Transfer or Telegraphic Transfer (TT)
- Non-registered account transfer limit
Does the daily transfer limit apply to all types of transfers including transfers between my own Citibank accounts?

The daily transfer limit does not apply to the transfers between your own local Citibank accounts. This applies to transfers to registered accounts via local inter-bank funds transfer, Citibank Global Transfer, telegraphic transfer and the transfer to registered third party’s Citibank accounts through automated banking channels (i.e. Citibank Online, Citi Mobile, ATMs and Automated CitiPhone Banking).
Does the daily transfer limit apply to transactions handled by Citibank branch officers or CitiPhone Banking officers?

No. The calculation of the daily transfer limit does not apply to the transfers handled at Citibank branches or by CitiPhone Banking officers. This only applies to the transfers or the bill payments made through the automated banking (i.e. Citibank Online, Citi Mobile, ATMs and Automated CitiPhone Banking).
Can I transfer money to a non-registered account and is there any daily limit?

Fund transfers to non-registered Citibank accounts can only be done at a Citibank ATM. The maximum amount you can transfer per day is the daily default limit (i.e. HK$50,000) or the amount you have previously adjusted. Also, fund transfer/bill payment to non-registered accounts can be done at Citibank Online/Citi Mobile. The maximum amount you can transfer per day is the daily default limit (i.e. HK$10,000) or the amount you have previously adjusted.
Is the daily transfer limit or bill payment limit applied on a per-customer basis?

Yes. The daily transfer limit or bill payment limit is applied on a per-customer basis, regardless of the number of accounts held by you at Citibank. Thus, the maximum amount per day that you can transfer for each type of transfer stated in Q1 will be the daily default limit or the amount you have ever adjusted before. The maximum amount per day that you can make the payment to merchants (except tax payment) will be the daily default limit or the amount you have previously adjusted. You can pay bill payment up to 15 times a day, and the maximum amount of each payment is HK$ 999,999.
How can I check my daily transfer limit or bill payment limit?

The daily transfer limit will be preset as the default value as long as no adjustment was made by a client before. You can check your daily transfer limit or bill payment by calling our hotline.

Adjust the limit

7. Can I change the daily transfer or bill payment limit?

Yes, you may change the daily transfer limits via Citi Mobile® App according to your personal needs by following these steps.

1. Sign in to Citi Mobile^® App and go to “Services” via the icon at the top right corner of the screen.
2. Scroll down to the "PAYMENTS & TRANSFERS" section and tap "Daily Transfer Limits".
3. Tap the limit you wish to change and follow the onscreen instructions to update the limit.

If you are a new client who is in the first 20 days of account opening, a Citi NextGen Account holder (including the “Parental Protection” function used by parents) or a CitiBusiness^® client, or you hold designated types of accounts (including but not limited to power of attorney), please visit the Form Center on our website and submit the Increase Daily Transfer Limit Request Form / Decrease Daily Transfer Limit Request Form.

8. Is there any restriction on setting the amount for my daily transfer limit or bill payment limit?

Setting the daily transfer limit or bill payment limit is subject to the minimum amount of zero and maximum amount of HK$1,000,000. A client is free to set his/her daily transfer limit or bill transfer to any amount (within this range) as he/she thinks fit.

9. Can I adjust the daily transfer or bill payment limit higher than HK$1,000,000?

No. The maximum daily transfer limit or bill payment limit is HK$1,000,000. You are not allowed to adjust the limit higher than this. If you want to make the transfer or bill payment more than HK$1,000,000, please visit one of Citibank’s branches.

Click here for the Currency Manager guide

Important Notes for Citibank Global Transfer (CGT)Important Notes for Citibank Global Transfer (CGT)

The maximum daily transfer limit is HK$1,000,000 and is subject to the available balance of your account.
CGT and fund transfers to other overseas bank accounts (Telegraphic Transfers) via Citi Mobile® App and Citibank Online share the same daily transfer limit.
The daily transfer limit is HK$1,000,000 and is subject to the available balance of your account. To lower the limit, please fill in and submit the relevant form). To increase the limit (HK$ 1,000,000 at maximum), please visit our branches for assistance.
The minimum outward remittance limit per transaction via Citibank Online and Mobile in Hong Kong is HK$500 and the maximum is US$99,999 (approximately HK$780,000). Some countries may impose an incoming fund limit.
The incoming CGT fund limit per transaction in Hong Kong is US$99,999. Please note that some home country or region may set an outward remittance limit.

DAILY TRANSFER & BILL PAYMENT LIMIT