Citibank Plus - No Fee No Overseas Transaction Fee Account

[EestiTiger]

Used the new MasterCard pretty extensively in UK, Estonia, Finland, USA in AUG/SEPT 2017 and worked fine as per the older Visa. I can't remember if Visa or M/C offer the better rate but it was much the same.

 

[jgm]

Just used it in Canada. I was charged CA$3 each time I withdrew cash, and was limited to around CA$380 per withdrawal as the upper limit seemed to be A$400. Last year, I used it in the US, and as long as I used an ATM at 7-eleven (Citibank's own ATM's) there was no additional charge, but I couldn't find a Citibank ATM at Whistler. The exchange rate appeared to be pretty close to the published rate.

 

[PLANT]

I used in Canada and I'm sure you got the ATM fre back on statement?

 

[Cynicor]

Nope, no fee rebate in Canada. Definitely costs. Also, must just be the whistler ATMs with limits. On the East I could pull out $1000 AUD equiv no issues.
I think there are only a few Citi ATMs in the country, and none in Toronto.

 

[oz_mark]

I used in Canada and I'm sure you got the ATM fre back on statement?

I've never seen Citi return the ATM fee. Sometimes it disappears into oblivion, but if you get charged it, you wear it.

 

[mannej]

I've never seen Citi return the ATM fee. Sometimes it disappears into oblivion, but if you get charged it, you wear it.

I am sure ING does this but I didn’t think Citi did

 

[oz_mark]

I am sure ING does this but I didn’t think Citi did

IME, ING get the refund in before you even get your account balance from the machine post withdrawal.

 

[Flashback]

I have not analysed rates, but it's the same as the Visa. Fee free from Citibank's end. If the ATM operator imposes a fee, you pay it. It's pretty easy to avoid that as you just have to find a bank owned ATM in a lot of cases.

I generally find MC to be slightly better than Visa, so should be a positive move.

 

[PLANT]

Is it credit or savings you button press on withdrawal of money from ATM in Europe using debit card preloaded?

Edit:
Couple years back it was credit even though came from debit card preloaded.

 

[lovetravellingoz]

Is it credit or savings you button press on withdrawal of money from ATM in Europe?

Savings unless you want to pay the hefty interest rate for cash withdrawls off your credit card rather than off your debit card with no interest charged..

 

[Cynicor]

No, it's fine to press whatever with this card. Credit or savings it doesn't matter.

 

[Must...Fly!]

Savings unless you want to pay the hefty interest rate for cash withdrawls off your credit card rather than off your debit card with no interest charged..

What credit card...if you just have a debit, then there is no credit facility...press whatever you want.

But I always pick credit - once or twice I've had an atm try and charge me for a "savings" etc withdrawal when asked. Cancel the tx, go back and select credit...no fee.

Only ever been stung once, that was in a supermarket ATM in Ukraine. Needed the cash so just accepted the fee. It was not small, around $6. Found a BNP Paribas ATM the next night and tested it out, no fee charged.

 

[travelislife]

Savings unless you want to pay the hefty interest rate for cash withdrawls off your credit card rather than off your debit card with no interest charged..

This is incorrect and misinformation so not sure why the post has likes. Doesn’t matter if you push savings or credit with this card. It is actually more advisable to press credit as it gives you more protections. There is no interest applicable as it is a debit card. You either have the funds available in the account or you don’t.

 

[PLANT]

Bingo that's what I thought credit even though savings card.....

 

[PLANT]

 

[Danger]

Can I please confirm that this is the link for the Citibank account with the debit card that provides fee-free international transactions at pretty much market rates?

Citi Australia

 

[There'sOnlyOneJimmy]

Can I please confirm that this is the link for the Citibank account with the debit card that provides fee-free international transactions at pretty much market rates?

Citi Australia

Yes, that’s the one. But you might also want to consider the similar ING product: it provides the same benefits as Citi, but also refunds any ATM fees worldwide. One caveat: there are 2 administrative hurdles to clear each month - Deposit $1000, and make 5 transactions.

 

[Must...Fly!]

Yes, that’s the one. But you might also want to consider the similar ING product: it provides the same benefits as Citi, but also refunds any ATM fees worldwide. One caveat: there are 2 administrative hurdles to clear each month - Deposit $1000, and make 5 transactions.

Also worth looking at the ANZ travel rewards card, if you're looking for a card for purchasing items and not cash.

 

[Danger]

Yes, that’s the one. But you might also want to consider the similar ING product: it provides the same benefits as Citi, but also refunds any ATM fees worldwide. One caveat: there are 2 administrative hurdles to clear each month - Deposit $1000, and make 5 transactions.

Super. I had forgotten about the ING card.

Also worth looking at the ANZ travel rewards card, if you're looking for a card for purchasing items and not cash.

Is that the Visa card beginning 407220? I thought that card charged 3% and gave the typical awful bank exchange rate.

 

[Chicken]

I thought that card charged 3% and gave the typical awful bank exchange rate.

ANZ Rewards Travel Adventures
No overseas transaction fee on purchases