LIQUID ASSETS
Enjoy peace of mind when building your wealth
Choose Citibank Notice Deposit for quick access to your funds and competitive interest rates. Citibank Notice Deposit enables your savings to earn higher returns compared to a normal savings account with the same flexibility to withdraw cash when necessary.
- Higher interest rate compared to a savings account, with greater liquidity than a time deposit
- A 7-day tenure that makes your lock-in period shorter
- Withdraw cash whenever and the remaining balance will continue to earn the same high interest rate
- Hassle-free process with the 7-day automatic rollover function with compounding interests
- 11 currencies to choose from: RMB / USD / HKD / EUR / JPY / GBP / AUD / NZD / CAD / SGD / CHF
All rates are for information only and subject to change without notice.
Offer limited to partial cities, please contact the branch to verify current information.
Early full or partial withdrawal is allowed, if the withdrawal amount meets the minimum requirement of RMB$50,000 or USD$1,000 equivalent.
The notice deposit will be automatically terminated if a partial withdrawal causes the remaining balance to fall below the minimum balance requirement. In this case, the interest earned on the remaining balance shall be calculated based on the prevailing interest rate of the Citibank Savings Account.
Please refer to the specific account application form or final terms and conditions. Citibank (China) Co., Ltd. reserves its right to modify or adjust the interest rate of some foreign currency deposit accounts at its sole discretion.
All the return rates and interest rates are rates before tax. Citibank (China) Co., Ltd. will withhold and pay interest tax on your behalf according to relevant regulations.
We offer RMB Settlement accounts & Foreign Currency Savings accounts for 10 different currencies which means you can easily convert between currencies and take advantage of any foreign exchange movement (Foreign exchange with local currency CNY is excluded). Save on transaction, withdrawal fees and foreign exchange rates by opening your multi-currency bank account today.
- 10 foreign currencies available
- Convenient deposit and withdrawal services
- Fee waiver for Citibank Debit Card on ATM cash withdrawals and balance enquiries worldwide
- Accepts cheques
All service charges on overseas ATM withdrawal and enquiry will be waived till 31 December, 2017 (not applicable to Basic Banking Account customers). Extra charges made by some overseas ATMs on top of Citibank and China Union Pay networks still apply. Please refer to the notice on the ATM.
Please refer to the specific account application form or final terms and conditions.
Citibank (China) Co., Ltd. reserves its right to modify or adjust the interest rate of some foreign currency deposit accounts at its sole discretion.
All the return rates and interest rates are rates before tax. Citibank (China) Co., Ltd. will withhold and pay interest tax on your behalf according to relevant regulations.
Investors investing in non-local currency denominated products should be aware of the risk of exchange rate fluctuations that may cause a loss of principal when converting non-local currency to local currency.
Choose from 10 currencies and 5 tenures when you invest in a RMB or Foreign Currency Time Deposit.
- RMB & 10 foreign currencies available with higher interest rates than that of savings accounts
- 5 different tenures for RMB: 3-month, 6-month, 12-month, 24-month, 36-month
- 6 different tenures for Foreign Currency: 2-week*, 1-month, 2-month, 3-month, 6-month, 12-month
- 3 renewal options for maximum convenience
- Renewing both the principal and interest
- Renewing only the principal and transfer the interest to your savings account
- Transferring both principal and interest to your savings account
*2-week only availability for EUR / AUD / CAD / GBP / NZD
Please refer to application form of specific account for final terms and conditions.
Citibank (China) Co., Ltd. reserves its right to modify or adjust the interest rate of some foreign currency deposit accounts at its sole discretion.
All the return rates and interest rates are rates before tax. Citibank (China) Co., Ltd. will withhold and pay interest tax on your behalf according to relevant regulations.
Investors investing in non-local currency denominated products should be aware of the risk of exchange rate fluctuations that may cause a loss of principal when converting non-local currency to local currency.
Certificate of Deposit ("CD" for short,) means the RMB-denominated book-entry large-denomination deposit vouchers issued by banks to individual customers, which are bank deposit financial products in the category of general deposits.
- High return: Higher interest rate compared with time deposit of same tenor
- Good liquidity: Withdraw all or part of the deposit before maturity (Except where there are special provisions in fact sheet)
- High security: Guarantee principal and interest income
- Good flexibility: Flexible deposit tenure meets your needs
All the return rates and interest rates are rates before tax. Citibank (China) Co., Ltd. will withhold and pay interest tax on your behalf according to relevant regulations.
Time Deposit/Notice Deposit/Certificate of Deposit will only be offered to customers who hold the identity card of the People’s Republic of China or who are within the scope of Citi Offshore Wealth Service Policy.
For more details, please read and base on Citibank (China) Co., Ltd. Terms and Conditions for Personal Large-Denomination Certificate of Deposit.
SHORT TERM INVESTMENTS
Achieve your financial goals by capitalising on targeted market opportunities
Special Risk Disclosure: This is not a deposit product, it is an investment product.
Enhanced Yield Account (EYA) is a principal protected investment product (if held to maturity) with a floating return. The interest due on the investor's investment principal is used to buy a digital option in the form of European Call or Put. The return (if any) on the investment will depend on the performance of the underlying foreign exchange rates or commodity price chosen. The principal and investment return (if any) will be paid on maturity.
- Earn potentially higher interest than a time deposit
- 100% Principal protected
- A wide selection of currencies and tenures tailored for your needs
Enhanced Yield Account is a principal protected investment product with investment risks. This is not a regular deposit. The investment return may be zero. The Customer should fully acknowledge the investment risk and act prudently.
Repayment of Principal applies only if the product is held to maturity.
The investor investing in non-local currency denominated products should be aware of the risk of exchange rate fluctuations that may cause a loss of the principal when converting non-local currency to local currency.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
For more details, please refer to Enhanced Yield Account Risk Disclosure Statement.
Special Risk Disclosure: This is not a deposit product, it is an investment product. Investors may incur a principal/return loss due to the associated risks.
Premium Account is an investment product which comprises of foreign currency time deposit and foreign exchange option. Premium Account is a non-principal protected investment product with floating return.
- Earn potentially higher interest than a time deposit of the same tenure
- A wide selection of currencies and tenures that cater to your specific needs
- Diversify into a second currency of your choice at your pre-agreed rate
Premium Account is a non-principal protected investment product with floating return, not a regular deposit and subject to investment risk including possible loss of the principal amount invested. Customer should fully acknowledge the investment risk and act prudently.
Any early withdrawal or termination of the Premium Account or any part thereof prior to the maturity date by the Customer is not allowed.
The Customer shall be subject to the risk of fluctuation in the alternate currency. A decline in the alternate currency relative to the base currency of the Premium Account will most certainly result in an exercise of the Bank's right to pay the alternate currency. The result is that the Customer will be paid in the weaker alternate currency and currency loss relative to the base currency will and could substantially (depending on the decline in the alternate currency) reduce what the Customer otherwise had at the time of establishment of the Premium Account.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
For more details, please refer to Premium Account Risk Disclosure Statement.
LONG TERM INVESTMENTS
Diversify your investments across countries and investment types according to your level of risk and desired returns
Special Risk Disclosure: This is not a deposit product, it is an investment product.
Citibank's Structured Investment Account (SIA) is an investment product that is principal protected if held to maturity. The return is determined by the performance of its underlying derivative financial instruments or assets or when certain pre-specified conditions are met. Investment return (if any) will be paid to customers at specified dates.
- 100% Principal protected if held to maturity
- A wide range of financial instruments as the underlying asset, including stock index, mutual funds, bonds, commodity, currency and interest rate, etc
- Diversified product structures, including daily range accrual, enhanced return, absolute return, lock-in of the best historical return, etc
- The investment return is variable and conditional, and is linked to the performance of the underlying asset
This product is principal protected and has minimum return guaranteed, principal protected with floating return and non-principal protected with floating return, which depends on payoff. For details, please refer to sales documents of each tranche.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
For more details, please refer to structured investment account Risk Disclosure Statement.
Click here to check the product code in China Wealth Management Information Registration System.
Special Risk Disclosure: This is not a deposit product, it is an investment product. The principal is not protected and returns are not guaranteed. Investors may incur a principal/return loss due to the associated risks.
QDII bonds are debt instruments issued by governments or large enterprises to raise funds for projects or business. QDII bonds lend money to bond issuers and in return, pay out interests regularly. This adds up to continuous stable income and return of par value amount eventually – good reasons to make QDII bonds part of your financial portfolio.
- Regular Return - Bonds pay out interest income known as "coupons" regularly e.g. semi-annually or annually. Investors in need of regular interest income to meet recurring expenses (such as education expenses or retirement) can match these coupon incomes to their expenses
- Flexibility - Bonds are flexible instruments that have a tenure range of 1-30 years, so choose one that best suits your investment objectives. Additionally, most bonds are tradable securities, which means you can either hold a bond until maturity or sell it before maturity at the prevailing market price
- 100% Face Value Protected - At maturity, the issuer will repay the investor the par value in full. Should the investor redeem it before maturity, 100% face value amount cannot be guaranteed. When held until maturity, a bond's face value is unlikely to be affected by market price fluctuations
The following are some general risks of Bond investment. They are not, and are not intended to be, a complete list of all risks.
This product is non-principal protected with floating return which is different from deposit. Your principal might suffer substantial loss. Customers should be fully aware of investment risk and make investment decision prudently. Investments are not deposits or other obligations of, guaranteed or insured by Citibank N. A., Citigroup Inc., or any of their affiliates/subsidiaries (including Citibank (China) Co., Ltd. and its branches) unless specifically stated, or by any local government or insurance agency, and are subject to investment risk, including the possible loss of the principal amount invested. Please note that some of QDII products are only available to HNW or CPC or Citigold. For details, please refer to the sales documents.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
Major risks include Settlement Risk, Offshore Bond related risk such as Market Risk, Credit Risk, Liquidity Risk and FX Risk.
For more details, please refer to QDII - Global Bond Risk Disclosure Statement.
Special Risk Disclosure: This is not a deposit product, it is an investment product. The principal is not protected and returns are not guaranteed. Investors may incur a principal/return loss due to the associated risks.
Reduce investment risks while enhancing your potential return with Structured Notes. Primarily composed of fixed income products, such as zero coupon bonds and derivatives, Secured Notes provide flexible investment strategy, suitable for investors with particular market views.
The following are some general risks of Structured Notes investment. They are not, and are not intended to be, a complete list of all risks.
This product is non-principal protected with floating return which is different from deposit. Your principal might suffer substantial loss. Customers should be fully aware of investment risk and make investment decision prudently. Investments are not deposits or other obligations of, guaranteed or insured by Citibank N. A., Citigroup Inc., or any of their affiliates/subsidiaries (including Citibank (China) Co., Ltd. and its branches) unless specifically stated, or by any local government or insurance agency, and are subject to investment risk, including the possible loss of the principal amount invested. Please note that some of QDII products are only available to HNW or CPC or Citigold. For details, please refer to the sales documents.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
Major risks include Credit Risk, Underperforming Risk, Liquidity Risk, Early Redemption Risk and FX Risk.
For more details, please refer to QDII - Structured Notes Risk Disclosure Statement.
Click here to check the product code in China Wealth Management Information Registration System.
Special Risk Disclosure: This is not a deposit product, it is an investment product. The principal is not protected and returns are not guaranteed. Investors may incur a principal/return loss due to the associated risks.
With its global team of asset managers, Citibank helps domestic investors navigate global financial investment opportunities.
Read MoreThis Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
This is an investment product subject to investment risks, including the possible loss of the principal amount invested.
Investors investing in investments denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal.
Past performance is not indicative of future performance, and prices can go up or down.
Please refer to product term sheet for detailed risks and features.
Note: Some products are offered to High Net Worth client or Citigold Private Client only, please refer to sales documents for details.
HOME LOAN
Enjoy preferential interest rates on your home loans
- Dedicated Mortgage Specialist Team to guide you through the entire process
- Competitive Mortgage VIP Privileges - Account maintenance fee waived for all mortgage loan customers1. In addition, Mortgage VIP customers enjoy more attractive loan features and lower fees
- High Financing Support2 - Receive higher credit line subject to the purchase or appraised price of your property, whichever is lower
- Flexible Loan Tenure - Reduce repayment burden with a maximum loan tenure of 30 years
- Short Approval Time - Get your preliminary loan approval within 3 working days upon submission of the required documents
- The waiver of fees applies with a valid mortgage loan. It starts upon you signing your mortgage agreement and the mortgage disbursement is occurred. When your mortgage ends, this will no longer apply.
- Mortgage loan application is now available at all of our branches/sub-branches in Shanghai, Beijing, Guangzhou, Shenzhen, Hangzhou and Nanjing. The maximum loan amount is subject to the requirements of laws and regulations.
- The information contained in this webpage is for reference only.Due to laws, regulations or market practice change from time to time, the information presented is subject to update without prior notice.
- Citibank (China) Co., Ltd. has the sole discretion to interpret the information and reserves the right to modify or update the content from time to time without prior notice. In the event of any disputes, the bank reserves the right of final decision.
INSURANCE
Protect the ones who matter most with our comprehensive, tailor-made solutions
Enable your children to realize their full potential with this insurance product that protects and prepares for their financial needs.
- Individualized accident and medical protection for your child
- Secure your child's financial future
Branches and sub-branches of Citibank (China) Co.,Ltd are acting as insurance agents for the insurance company and only distributing insurance products. The insurance products are issued and managed by the insurance company itself only. Citibank (China) Co.,Ltd. (including its branches and sub-branches) is not responsible for any matters relating to investment, fulfillment, risk management, policy acceptance, redemption, cancelation or policy claims, nor shall assume any related liabilities.
The insurance company is the insurance underwriter of the insurance products and is solely responsible for all insurance and compensation related matters. For detailed features and terms of the insurance products mentioned in this leaflet, please refer to the insurance policy and insurance contract issued by the insurance company.
The insurance company shall be solely responsible for the insurance products. Insurance products are not bank deposits, and none of Citibank (China) Co., Ltd., Citigroup Inc. or any of its affiliates or subsidiaries shall be responsible for, or has provided guarantee for any of the insurance products.
The value added services marked with * is solely offered by insurance company or third party, and certain insurance company or third party shall be responsible for those services. Also, for detailed services, please refer to the terms provided by certain insurance company or third party when the service is actually offered.
If the Chinese version of this brochure is not consistent with the English version, the Chinese version prevails.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
"Protection Solution" protects your family and helps secure their future with comprehensive cover for life. No matter where you are in your life stage, Citibank helps you prepare for the unexpected and enjoy life.
- Multiple services that can prevent you from risks
- Comprehensive plan that satisfies different protection needs
Branches and sub-branches of Citibank (China) Co.,Ltd are acting as insurance agents for the insurance company and only distributing insurance products. The insurance products are issued and managed by the insurance company itself only. Citibank (China) Co.,Ltd. (including its branches and sub-branches) is not responsible for any matters relating to investment, fulfillment, risk management, policy acceptance, redemption, cancelation or policy claims, nor shall assume any related liabilities.
The insurance company is the insurance underwriter of the insurance products and is solely responsible for all insurance and compensation related matters. For detailed features and terms of the insurance products mentioned in this leaflet, please refer to the insurance policy and insurance contract issued by the insurance company.
The insurance company shall be solely responsible for the insurance products. Insurance products are not bank deposits, and none of Citibank (China) Co., Ltd., Citigroup Inc. or any of its affiliates or subsidiaries shall be responsible for, or has provided guarantee for any of the insurance products.
The value added services marked with * is solely offered by insurance company or third party, and certain insurance company or third party shall be responsible for those services. Also, for detailed services, please refer to the terms provided by certain insurance company or third party when the service is actually offered.
If the Chinese version of this brochure is not consistent with the English version, the Chinese version prevails.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
Plan ahead to maintain your desired lifestyle. Regardless of life's ups and downs, you can have the peace of mind in your later years.
- Save for your retirement years in advance and retire with financial independence
- Guarantee a certain amount to pursue your dream lifestyle
- In an unfortunate event, the beneficiary could still receive the remaining annuity
Branches and sub-branches of Citibank (China) Co.,Ltd are acting as insurance agents for the insurance company and only distributing insurance products. The insurance products are issued and managed by the insurance company itself only. Citibank (China) Co.,Ltd. (including its branches and sub-branches) is not responsible for any matters relating to investment, fulfillment, risk management, policy acceptance, redemption, cancelation or policy claims, nor shall assume any related liabilities.
The insurance company is the insurance underwriter of the insurance products and is solely responsible for all insurance and compensation related matters. For detailed features and terms of the insurance products mentioned in this leaflet, please refer to the insurance policy and insurance contract issued by the insurance company.
The insurance company shall be solely responsible for the insurance products. Insurance products are not bank deposits, and none of Citibank (China) Co., Ltd., Citigroup Inc. or any of its affiliates or subsidiaries shall be responsible for, or has provided guarantee for any of the insurance products.
The value added services marked with * is solely offered by insurance company or third party, and certain insurance company or third party shall be responsible for those services. Also, for detailed services, please refer to the terms provided by certain insurance company or third party when the service is actually offered.
If the Chinese version of this brochure is not consistent with the English version, the Chinese version prevails.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
In order to enjoy a quality retirement and secure sufficient wealth for the next generation, plan ahead to ensure your hard work is passed onto the next generation.
- Designate your beneficiaries
- Design your own insurance proceeds payout scheme
- Provide life insurance protection for as long as the policy remains in force
Branches and sub-branches of Citibank (China) Co.,Ltd are acting as insurance agents for the insurance company and only distributing insurance products. The insurance products are issued and managed by the insurance company itself only. Citibank (China) Co.,Ltd. (including its branches and sub-branches) is not responsible for any matters relating to investment, fulfillment, risk management, policy acceptance, redemption, cancelation or policy claims, nor shall assume any related liabilities.
The insurance company is the insurance underwriter of the insurance products and is solely responsible for all insurance and compensation related matters. For detailed features and terms of the insurance products mentioned in this leaflet, please refer to the insurance policy and insurance contract issued by the insurance company.
The insurance company shall be solely responsible for the insurance products. Insurance products are not bank deposits, and none of Citibank (China) Co., Ltd., Citigroup Inc. or any of its affiliates or subsidiaries shall be responsible for, or has provided guarantee for any of the insurance products.
The value added services marked with * is solely offered by insurance company or third party, and certain insurance company or third party shall be responsible for those services. Also, for detailed services, please refer to the terms then provided by certain insurance company or third party when the service is actually offered.
If the Chinese version of this brochure is not consistent with the English version, the Chinese version prevails.
This Product shall not be provided to a US person for purposes of US federal income tax, or a person acting for, or on behalf of, a US person, or a person with any of the address(es) registered with the Bank being a US address or any other person who fails to meet the Bank's sales requirement.
