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The perfect gift that befits your status The perfect gift that befits your status

Join Citigold to enjoy up to HK$80,000 Cash Rebate

Citi credit card and personal loan customers to open a Citigold account can enjoy extra 1% p.a. time deposit rate

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Welcome Offers
Referral Rewards
Other Offers
Total Rewards (indicative)
Up to
cash rebate

New Funds Offer

Fund in HK$6,000,000 to enjoy HK$30,000 cash rebate

Subscription amount:
$0
$30,000
Reward amount:
New Fund 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 Balance Offer

Subscribe and maintain $5,000,000 mutual funds, bonds or structured products to enjoy up to HK$42,000 cash rebate

Subscription amount:
$0
$42,000
Reward amount:
Net Incremental Subscription Balance^
Cash rebate
HK$5,000,000 or above
HK$42,000
HK$3,000,000-HK$4,999,999
HK$25,000
HK$1,500,000-HK$2,999,999
HK$12,000
HK$1,000,000-HK$1,499,999
HK$5,000
HK$500,000-HK$999,999
HK$3,000

Engagement Offer

Complete Investment Risk Profile Questionnaire and Activate Citi Debit Card to enjoy
up to HK$1,000 cash rebate

HK$1,000 cash rebate

Other Product Balance Offer

Draw down a mortgage loan or subscribe an insurance policy to 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$2,000 cash rebate

HK$2,000 cash rebate

Exclusive Welcome Offer for Citi credit card* and personal loan# customers

Citi credit card* and personal loan# customers to open a Citigold account can enjoy extra 1% p.a. time deposit rate

The offer is applicable to 3-month HKD, USD, and RMB time deposits with new fund
Capped at HK$2,000,000 equivalent principal amount

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All offers are subject to terms and conditions. For details, please reach out to branch staff.
Investment involves risks. FX trading involves risks and rates may go up or down.
* Citi credit card customers refer to customers who are the primary cardholder of an approved and valid Citi credit card as of October 31, 2025 and the application of Citi credit card submitted on or before banking account opening date.
#Citi personal loan customers refer to customer of a valid Citi Personal Loan account as of August 31, 2025.
^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.

Refer your family and friends to join Citigold Private Client and Citigold and earn up to HK$18,000 cash rebate for each successful referral. The more you refer, the more you can earn!

Referee’s Banking Account Opened Referee’s Banking Account Designated Balance Cash Rebate to Referrer for Each Successful Referral
Citigold Private Client
HK$8,000,000 or above HK$18,000
Citigold
HK$1,500,000 or above HK$5,000
Eligible referees refers to the new customers who have successfully open a Citigold Private Client / Citigold account within the Promotion Period and fulfil new fund offer requirement.

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Investment Offer

Foreign Exchange

Enjoy 0% spread for every successful FX transactions via Citi Mobile® App or Citibank Online within the first 6 calendar months from account opening

Learn more >
Stock

Enjoy HK & US Stock 3-month Brokerage Buy Fee Waiver.

Learn more >

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Card Offers

Join Citigold and designated credit card to earn fabulous rewards and up to 720,000 Points

Designated Citi Credit Card
Welcome rewards up to
Citi Prestige Card
720,000 Points
(equivalent to HK$3,512)
Citi PremierMiles Card
HK$1,600 Cash Rebate
Citi Rewards Mastercard
HK$1,600 Cash Rebate

To borrow or not to borrow? Borrow only if you can repay!

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Open an account via Citi Mobile® App

Open an account with 3 steps（Click here to watch the video）

1
Fill in Personal Information

Fill in Personal Information

Apply for Investment account at the same time

Register for Citibank Online at the same time

Receive your Application ID and upload all required documents in Citi Mobile® App

2
Download Citi Mobile® App to upload your selfie and documents

Select “Open a Bank Account” in Citi Mobile ® App

Fill in the Application ID

Verify your HKID Card
(Currently, this only supports 1st version of HKID Card issued in 2003)

Capture your selfie

Capture your address proof

Capture your signature specimen

Application complete

3
Register FPS and receive funds

After logging in, tap

Manage Payments/Payees

then FPS Addressing Service

Tap "Mobile Number"

Select the account you want to link to

Enter the One-time Password from the SMS sent to your registered mobile number

Done

Frequently Asked Question

Application via Citi Mobile® App

What is remote account opening?

Mobile Account Opening enables you to open a checking / savings Account(s) and a Multi-Currency Account via Citibank Online and Citi Mobile®App, without visiting the branch. The process is simple and fast, and you can apply anytime, anywhere.

Why should I apply for a banking account via Citi Mobile ®App?

Convenient: You do not need to visit branch to open an account.
Fast: It can take as little as 10 minutes to complete the application (According to our usability test, the majority of participants completed the application of banking account and investment account within 10 mins.)

How can I apply for a banking account via Citi Mobile ®App?

Please complete the application form on your mobile and download the latest Citi Mobile®App from your respective app stores to complete several identity verification processes to open your banking account.

Is there any charge for applying for a banking account via Citi Mobile ®App?

"The application is free of charge. For other service charges, please refer to the latest service fee guide.
Service fee guide:
https://www.citibank.com.hk/english/banking/pdf/service_fee.pdf

Why do I need to take photo of my HKID card from multiple angles?

This will help us validate your HKID card, so that you do not need to visit our branch in person for identity verification. Please ensure the HKID capture is not out of focus, nor blocked by glare or shadow.

Why do I need to take a selfie and blink my eyes twice?

This will help us to validate you are the HKID card holder, so that you do not need to visit our branch in person for identity verification.

Do I need to upload any document, e.g. Address proof?

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 you, we will contact you and complete the account opening process.

Is my application information secure and protected?

All information, including your HKID photos, selfie photos, personal information, username and password, will be encrypted throughout the submission.

Why have I failed the Identity verification and need to visit branch to complete the account opening?

Factors, including the environment where you take the HKID photos and selfie, e.g. if there is glare, scratches on or damage to your HKID, etc, may affect the accuracy of identifying your selfie against the HKID photo.
Tips for photographing your HKID:
1. Hold the edge of the HKID and place it in the white frame
2. Avoid glare and reflections until frame turns green
3. 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

Why do I cannot resume my application?

You application data will only be available for 30 days for you to resume the application. After that, please submit a new application for account opening.

When will the banking account be ready for use?

Your banking account will be ready to use approximately 10 minutes after you complete the application process in Citi Mobile®App.
Stock Account: The securities services will be made available to you within 3 business days after receipt of your completed application via Citi Mobile®App and required documents (if applicable).

How will I know my application status?

We will notify you of the account opening status via email and SMS approximately 10 minutes after you complete the application process in Citi Mobile ®App.

Why do I need to input my personal information to apply for a banking account?

You will need to input your latest personal information for Citibank's record during your banking account application process.

Do I need to open an account during business hours?

There are no time or place restrictions on opening your banking account. You simply complete the application form online and download Citi Mobile®App to complete the rest of the application, anytime and anywhere. It takes a minimum of 10 minutes to complete the application process if you meet the application criteria. (According to our usability test, the majority of participants completed the application of banking account within 10 mins, excluding investment account.)

What’s a one-time password?

A One-time Password will be sent to you via SMS to verify your identity for account login.

Where is my one-time password?

The One-time Password will only be sent to your registered mobile number.

What do I have to be aware of during the registration for facial recognition?

When taking the photo, you need to:
1. Look straight into the camera, and
2. Remove all the accessories (e.g. hat, sunglasses, mask) , and
3. Position your face within the circle, and
4. Eyes must be at the same level as the camera, and
5. Blink your eyes once to start the countdown, and
6. Wait for the countdown, and blink again for the selfie, and you are done, and
7. Ensure adequate lighting with no shadows or glare, and
8. Use a plain and clean background.

How can I resume my application?

"You will receive an email and sms with your application ID and you can simply follow the below steps to resume your application:
1. Open Citi Mobile ®App
2. Click on 'Open a bank account'
3. Enter your application ID which is sent to your mobile number or email address"

Online Banking Username / Password

Do I need to create an Online Banking Username / Password if I have already registered one with my credit card?

No, you don't. You can use your registered log in username and password to log into Citibank Online or Citi Mobile®App.
Citibank Online: www.citibank.com.hk

What if I forget my Online Banking Username / Password?

You can reset your Online Banking Username / Password at the main page of www.citibank.com.hk or Citi Mobile®App. You may click "Forgot?" to reset them.

Do I need to create Online Banking Username / Password if I have not registered it yet?

Yes, you have to create a user name/ Password by clicking "register" at www.citibank.com.hk or "New? Create a login account" at Citi Mobile®App.

Banking account services

How can I update my account information after the account is successfully opened?

If you wish to update your email address, home/office phone number and correspondence address, please log in to Citibank Online to do so. If you wish to update other personal information, please download the “Change of Contact Details” form at www.citibank.com.hk/e-Contact and submit according to the instruction in the form; OR visit any of our branches for help.
Citibank Online: www.citibank.com.hk

Will I be charged for the banking plan that I signed up for in the application?

For the fees of individual services, please refer to the latest service fee guide.
Service fee guide:
https://www.citibank.com.hk/english/banking/pdf/service_fee.pdf

ATM Card Activation and PIN set up

After my account is successfully opened, when will I receive the ATM card ?

ATM Card will be dispatched upon the account being successfully opened. Normally you will receive the ATM card within 3 to 5 working days, excluding Saturdays, Sundays and public holidays.

How can I activate the ATM card and set up ATM PIN?

You can activate your ATM card via Citibank Online or Citi Mobile ®App by following the steps below:
Citibank Online:
i. Login to Citibank Online
ii. Click on ‘Services’ and 'My Profile'
iii. Select ‘Activate ATM/Debit/Credit Card’
iv. Follow the instructions and submit the request with One Time Password
Citibank Online: www.citibank.com.hk

Citi Mobile®App:
i. Login to Citi Mobile ®App
ii. Click on ‘Profile&Settings'
iii. Select ‘Activate ATM/Debit’
iv. Follow the instructions and submit the request with One Time Password

Is there any deadline for activating the ATM card and setting up ATM PIN?

Please activate the ATM card and set up ATM PIN at your earliest convenience. The ATM card will be cancelled if you do not activate it within 90 calendar days.

What if I forget the ATM PIN?

You can reset the ATM PIN via Citi Mobile®App by following the steps below:
i. Login to Citi Mobile®App
ii. Click on ‘Profile & Settings’
iii. Select ‘Create/Reset ATM Pin’
iv. Follow the instructions and submit the request with One Time Password


For clients with minimum asset under management of HK$1.5 million to enjoy prestigious financial services

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For clients with minimum asset under management of HK$8 million to enjoy private bank tiering services

Learn more
Account Opening Process >Terms and Conditions >Important Disclaimer >
Total Rewards (indicative): Up to cash rebate
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