Citibank Plus - No Fee No Overseas Transaction Fee Account

[Mr_Orange]

No fee anywhere in Italy so far.

PNG ATMs charge fees; ANZ ATM fee increased in the past few months. From memory it is about PGK 20 (about $A9).

What a rort!!!

 

[There'sOnlyOneJimmy]

An update to the summary of contributions so far (to #474).

When using a CitiBank Plus card in a non-CitiBank Foreign ATM:

Country/Locality	Provider	Fee	Notes
Austria Cambodia	Generally Generally	Free US$3
Canada Czech Rep. Germany Guam	TD Bank Generally Generally Unknown	Free Free Free Free
Indonesia/Bali	Unknown	Free
Ireland Italy Japan/Osaka	Generally Generally Unknown	Free Free Free
Thailand	Generally	Baht150-180
Thailand	AEON	Baht150	Often in small 7/11 style supermarkets
UK USA	Generally Generally	Free $1-5	Bank, Chemist & Supermarket ATMs have lowest fees
USA/Las Vegas	Unknown	$4-5
New Zealand	Westpac	Free
Hong Kong Hong Kong	HSBC Bank of China	Free Free
Poland PNG Philipines	Generally Generally Generally	Free PGK20 PHP200
Turkey/Istanbul	AKBANK	Free
France	Generally	Free
Switzerland Russia	Generally SberBank	Free Free

Where a fee is charged by the local provider, (unless you hold some other ATM card that has some other fee-free options) then whatever fee is charged it’s most likely going to be the same for all other cards.

And, as most would know, Fee-Free ATMs in OZ are:
CitiBank, Westpac, St. George, Bank of Melbourne & BankSA.

For further details refer to Citibank Plus Transaction Account for Overseas Travel

 

[QF029]

Read your entries regarding Citibank in Thailand. They don't make sense.

 

[There'sOnlyOneJimmy]

Read your entries regarding Citibank in Thailand. They don't make sense.

I can see that the entries for Thailand in the table could be a little confusing.

The Thailand entries are intended to summarise a brief interchange between moa999 & markis10 (at #436, #437, #438, #439 & #441), in which:

· moa999 notes that all Thai ATMs charge b/w THB150-180 for all foreign cards, including CitiBank;
· markis10 reports that CitiBank ATMs in Bangkok are fee-free; and
· (eventually) they agree that AEON charge THB150

I guess I could simplify the entry in the table to be just “Thailand, Generally, Baht150-180” and leave out the rest of the detail, but I was trying to include all information provided by the various contributors.

I hope that clarifies it.
TOOJ#3

 

[QF029]

My point is that no Citibank ATMs in Thailand charge the fee, there just aren't many of them.

 

[There'sOnlyOneJimmy]

OK, I'll adjust the table to remove the CitiBank charge in Thailand (but if moa999 objects, I'll leave the 2 of you to slug it out...;-)

 

[moa999]

I thought I had read it somewhere that they did, but no personal experience, so exclude me on the hearsay rule
and let markis's version stand.


As for the list - I would be more inclined just to list those that charge - reality is most countries don't, which I would break down into two categories.

1. Countries using Direct Charging - only machines on the 'home network' are free - eg. Aus, US, UK

2. Countries with a Foreigner surcharge - eg. Thailand, Cambodia

 

[There'sOnlyOneJimmy]

That's perfect moa.

Foreign ATMs that charge for using the CitiBank Plus card:

1. Countries using Direct Charging - only machines on the 'home network' are free - eg. Aus, US (US$1-5), UK;

2. Countries with a Foreigner surcharge - eg. Thailand (THB150-180), Cambodia (~US$3), Philipines (~PHP200), PNG (~PGK20);

3. Unverified by AFF gurus, but beware - Germany, Spain

 

[moa999]

This page also suggests their 'may'' be charges in Germany and Spain in particular
ATM usage fees - Wikipedia, the free encyclopedia

I think in the UK, most high street banks are free, just 'convenience machines' that might have charges, but again no recent experience.

 

[Flashback]

This page also suggests their 'may'' be charges in Germany and Spain in particular
ATM usage fees - Wikipedia, the free encyclopedia

I think in the UK, most high street banks are free, just 'convenience machines' that might have charges, but again no recent experience.

I can confirm that. 99% of ATM's are fee free anyway, and most have a large sign above them saying so. It's usually those inside a small off license that may charge, but it does tell you. Walk 5m down the road and no issues finding fee free.

I have had no charge also in Germany, Spain, Norway, Sweden, Denmark, Hungary, Slovakia, Bulgaria, Malta, Morocco, France, Portugal, Croatia, Netherlands, Belgium, Switzerland, Brunei - all at non Citibank ATMs....

 

[QF029]

That's perfect moa.

Foreign ATMs that charge for using the CitiBank Plus card:

1. Countries using Direct Charging - only machines on the 'home network' are free - eg. Aus, US (US$1-5), UK;

2. Countries with a Foreigner surcharge - eg. Thailand (THB150-180), Cambodia (~US$3), Philipines (~PHP200), PNG (~PGK20);

3. Unverified by AFF gurus, but beware - Germany, Spain

At the risk of being pedantic, Thailand falls into category 1.

 

[Flashback]

At the risk of being pedantic, Thailand falls into category 1.

.... and UK doesn't fall into cat 1.

 

[moa999]

UK falls into cat1 for convenience stores, off licences, just the major banks don't direct charge (or alternatively have a large home network)

Thailand i believe is cat 2 with a foreigner surcharge at all machines (apart from the Citi machines of which there are 3 in Bangkok). If you have a local card fees are much lower and based on province (eg 20bt out of province fee) as I understand it.

 

[thehound]

I need to pay someone in the US ~$2000USD for a holiday home rental we're using on a trip next year. He's requested a cheque be sent to his address in New York, but I was wondering - would it be cheaper for me to transfer the funds to his account from the CitiPlus account? I haven't drawn up an international cheque before but assume it comes with a $30-50 bank fee, plus it would have a poorer exchange rate wouldn't it? What is the best method of paying this fee? Many thanks.

 

[travelislife]

I need to pay someone in the US ~$2000USD for a holiday home rental we're using on a trip next year. He's requested a cheque be sent to his address in New York, but I was wondering - would it be cheaper for me to transfer the funds to his account from the CitiPlus account? I haven't drawn up an international cheque before but assume it comes with a $30-50 bank fee, plus it would have a poorer exchange rate wouldn't it? What is the best method of paying this fee? Many thanks.

Use something like paypal, I would never do a direct cash transfer for something like that. He can very easily issue you an invoice. The fee is usually 2.5% I think. $50 for some peace of mind by being able to pay by credit card for something like that is worth it's weight in gold.

 

[markis10]

Use something like paypal, I would never do a direct cash transfer for something like that. He can very easily issue you an invoice. The fee is usually 2.5% I think. $50 for some peace of mind by being able to pay by credit card for something like that is worth it's weight in gold.

Paypal fees would be closer to 6% once you take their currency spread into calculations.

 

[travelislife]

Paypal fees would be closer to 6% once you take their currency spread into calculations.

You don't have to use their spread. An invoice can be issued by the seller in USD and it can be paid by any credit card by the buyer with whatever credit card they want (i.e 28degrees with no fees, or even your citibank debit card). Although Paypal doesn't like it you can agree to pay the paypal fee to the seller by the seller issuing the invoice for the total amount, i.e $2000 * 1.025 = $2050. I agree avoid using paypal's currency spread whenever you can.

 

[gregff]

Citi offer fee-free USD bank drafts (cheques) via their online banking to Citibank Plus account holders. The downside is that they take a few days to issue, however, and are mailed (snail mail) from their Sydney office. They dont seem available in person from at least the regional branches, such as Melbourne, just by internet banking. Check, because I think the exchange rate they use for the free Drafts is better than the online free international electronic transfers (which seem a little more expensive in terms of exchange rate) than the quoted rate for Drafts, at least when I checked a few months back.

 

[RooFlyer]

Bank of America, ATM in Chicago - $US1.50 fee

 

[knasty]

BoA PHL $2 fee...