Citibank Plus - No Fee No Overseas Transaction Fee Account

[legroom]

Money became available on day 7

"Technical problems" they explained

Verbal apologies

Still waiting for the FOS complaint to be assessed.

Very, very annoying

Did this get resolved and did Citi give an explanation why the funds were not received as "cleared funds"? I thought telegraphic transfers and pay-anyone transfers were always supposed to be received as cleared funds.

 

[get me outta here]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Are people still finding that taking out cash at an ATM on this card is fee free? If not, which atms should I use as a preference? Is it different in different countries?

I love this card and use it almost exclusively while overseas (still use a c/card for any "security deposit" type things for hire cars and hotels etc).

When we were in Vegas in January I used it in all the ATMs inside the casino which were stating "There is a $5 fee to use this ATM". I never once got charged that fee - Citibank only charged me (for example) $400US and converted that to AUD at the exchange rate - no Citibank fee and no extra $5 fee (and the withdrawal wasn't upped to $405USD either).

It's an awesome card and I'm going to get my partner to apply for one before our next O/S trip as well, because he paid a lot of FX transaction fees for withdrawals when we were in USA and South Africa earlier this year.

Don't think I have ever used a Citibank ATM for a withdrawal. Oh, maybe once in Joburg in June, but that was simply because in the arrivals hall we had 10 ATMs to choose from so I picked one with a name I knew... I don't search for Citibank ATMs while travelling, as this card is free to use in any ATM.

 

[awkwardpaws]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

When we were in Vegas in January I used it in all the ATMs inside the casino which were stating "There is a $5 fee to use this ATM". I never once got charged that fee - Citibank only charged me (for example) $400US and converted that to AUD at the exchange rate - no Citibank fee and no extra $5 fee (and the withdrawal wasn't upped to $405USD either).

scubabe I did the same in January - I withdrew from the Bellagio ATM with my Citibank Plus since all citibank ATMs in the US were refusing my card with a specific error code (found later that there is some kind of fault with my card).

When transacting on the Bellagio ATM, it has "there is a $5 free to use this ATM", but I did it anyway as Citibank assured me they will refund me this amount.

When I came back to Oz, I checked my statements as if didnt look as if there was a $5 ATM fee, nor was the withdrawal amount upped by $5. But when I calculated the exchange rate, it was obvious that I had a significantly worse exchange rate compared to the days prior or the days after - which I then assumed the USD5 was built in to the AUD amount, ie, my account was deducted by:

(USD withdrawal multiplied by AUD/USD exchange rate) plus (USD 5 multiplied by AUD/USD exchange rate)

So even though it doesnt look as if there was an ATM fee, it may be built in to the amount deducted from your account. I would love to be proven wrong in this, but that is my understanding as per my last trip.

Just to close off the story, Citibank did refund the USD5 (and other ATM fees during the trip due to the faulty card) to my account.

 

[thehound]

This was an absolute cracker - last week I was on a cruise and we docked at Cozumel. There are a couple of independent ATMs inside the port terminal area, both from the same company (can't recall name now). I went to take out $140 USD using the Citi Plus card and the ATM fee was USD$3, whilst the "commission fee" was USD$19! Needless to say I stopped that transaction on that screen...

 

[serfty]

This was an absolute cracker - last week I was on a cruise and we docked at Cozumel. There are a couple of independent ATMs inside the port terminal area, both from the same company (can't recall name now). I went to take out $140 USD using the Citi Plus card and the ATM fee was USD$3, whilst the "commission fee" was USD$19! Needless to say I stopped that transaction on that screen...

Was this commision fee a tithe to the ATM owner?

 

[moa999]

ATM fee and commission fee??

 

[kpc]

Arr at Zqn last Friday. ..tried to withdraw from ANZ atm at airport. .NZD3 fee!! Cancelled and used atm next to it (not sure which bank )..no atm fee

 

[moa999]

Arr at Zqn last Friday. ..tried to withdraw from ANZ atm at airport. .NZD3 fee!! Cancelled and used atm next to it (not sure which bank )..no atm fee

Whirlpool wiki seems to confirm ANZ charges

https://whirlpool.net.au/wiki/citibank_plus_transaction_account

 

[RooFlyer]

Ouch! Just got stung 3,500 CLP (A$7) for using a Citibank ATM in Santiago! Went initially to some other ATMs over a few days and saw a fee being charged, so didn't proceed. Then, finally found a Banco Edwards ATM (owned by Citibank and had the blue Citi logos) and shocked to see the fee. I absolutely needed cash by this time, so I went ahead.

I haven't gone through this thread in a while, but is this a known 'thing' in Chile (ie maybe a government mandated fee for overseas cards)?

 

[moa999]

No personal experience but I'd certainly complain on a Citi ATM.

A quick internet search shows 2500-5000 CLP is standard for foreign cards.

A recent FT post says
"Banco Security ATMs are the only ones now that do not charge a Chile-side Fee"

 

[RooFlyer]

No personal experience but I'd certainly complain on a Citi ATM.

A quick internet search shows 2500-5000 CLP is standard for foreign cards.

A recent FT post says
"Banco Security ATMs are the only ones now that do not charge a Chile-side Fee"

Thanks. Do you mean 'foreign' as in a non Citibank card, or a non Chilean card?

Edit: I just did the search myself. Banco Edwards I did notice was 'Redbanc', so prime for the fee.

 

[moa999]

Thanks. Do you mean 'foreign' as in a non Citibank card, or a non Chilean card?

Was meaning it in the non-Chilean/non-ATM owner context.. Wasn't specifically searching for Citi (Wells Fargo has a similar card in the US)

 

[serfty]

This seems to be happening more and more with a fee for the providers of the ATM's. Pity the dude from oz who uses a card from on of the 'big 4'.

 

[Deleted member 6404]

Im pretty sure if you call Citi about that $7 fee from there machine they will reverse it, I am talking about the Plus debit account Citi card. Be firm but polite. Works for me

 

[cove]

Just tried Bankwest World cc and achieved 0.5215 on the British pound so that is very close to the real exchange rate in the live markets. Now that is impressive when it was for a $70 dinner at Carluccios in London so 70 Qantas points.

 

[cove]

I will use a Bankwest Platinum before 1pm to see if the exchange rate holds all day for both cards seeing London is 11 hours behind Sydney. Bankwest is a business name and is a division of CBA which is Sydney based.
The points will be at 0.75 rate but it is just a tester seeing the World card from Bankwest is difficult to obtain.

 

[Mr_Orange]

Just tried Bankwest World cc and achieved 0.5215 on the British pound so that is very close to the real exchange rate in the live markets. Now that is impressive when it was for a $70 dinner at Carluccios in London so 70 Qantas points.

I've always been happy with the rate I have achieved with BW World. Occasionally, when the transaction moves from authorisation to confirmed the exchnage rate improves. Although, I have seen it get worse too.

 

[Mr_Orange]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Withdrew cash in the Cook Islands from a BSP (Bank South Pacific) ATM and got whacked with an ATM charge of NZD5.50. No cahrge from Citi though.

The only alternative was an ANZ machine which I didn't know existed until it was too late. That might have been better. Westpac (and all Amex card services) disappeared from the Cook Islands bank in June 2015.

 

[Cynicor]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Withdrew cash in the Cook Islands from a BSP (Bank South Pacific) ATM and got whacked with an ATM charge of NZD5.50. No cahrge from Citi though.

The only alternative was an ANZ machine which I didn't know existed until it was too late. That might have been better. Westpac (and all Amex card services) disappeared from the Cook Islands bank in June 2015.

ANZ are pretty good at fee gouging overseas, I doubt it would have been cheaper. Definitely pricey in Fiji.

In fact, if my memory serves, ANZ may have the only bank owned machines in all of SIN that try to charge a fee...

 

[Jacques Vert]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

I think BSP would have been the better deal. Last time I was in PNG, ANZ charged me PGK35 for withdrawing cash at their ATMs (about $A15 at the time). Can't see them being any better in the Cook Islands; in fact, ANZ is the last bank I would go to in the Pacific.