Citibank Plus - No Fee No Overseas Transaction Fee Account

[Cynicor]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Call them and ask?

I'm not so invested in it that it's worth the time, TBH! It's mostly when I am transiting SIN but won't have enough time in the destination to pay something cash only.

 

[marks]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Just getting an update to the card and the spreadsheet with ATM fees was handy.

Interestingly, I've been charged a fee at the ATM but Citibank has not passed it on. The worst time was MGM grand casino in LAS where there was a $8USD ATM fee for a $300USD withdrawal. But on my transaction history (via their great app), it was only $300USD.

Has anyone else seen this?

Cheers.

 

[Flashback]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Just getting an update to the card and the spreadsheet with ATM fees was handy.

Interestingly, I've been charged a fee at the ATM but Citibank has not passed it on. The worst time was MGM grand casino in LAS where there was a $8USD ATM fee for a $300USD withdrawal. But on my transaction history (via their great app), it was only $300USD.

Has anyone else seen this?

Cheers.

I've had this in India.

 

[exceladdict]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Just getting an update to the card and the spreadsheet with ATM fees was handy.

Interestingly, I've been charged a fee at the ATM but Citibank has not passed it on. The worst time was MGM grand casino in LAS where there was a $8USD ATM fee for a $300USD withdrawal. But on my transaction history (via their great app), it was only $300USD.

Has anyone else seen this?

Cheers.

Had this elsewhere in the US but the ATM I used (couldn't tell you what brand) was not Citi branded, but was on the Citi ATM locator (website, i think).

 

[Danger]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Just getting an update to the card and the spreadsheet with ATM fees was handy.

Interestingly, I've been charged a fee at the ATM but Citibank has not passed it on. The worst time was MGM grand casino in LAS where there was a $8USD ATM fee for a $300USD withdrawal. But on my transaction history (via their great app), it was only $300USD.

Has anyone else seen this?

Cheers.

I've had this in India.

Had this elsewhere in the US but the ATM I used (couldn't tell you what brand) was not Citi branded, but was on the Citi ATM locator (website, i think).

Are you sure it wasn't passed on?

After reading this thread I thought I, too, had got lucky. Looking at my account in the app I could see my withdrawal and 0.00 transaction fee. However, the fee was rolled into the withdrawal amount.

 

[kpc]

Re: Citibank Everyday Plus - Free overseas ATM withdrawals!

Are you sure it wasn't passed on?

After reading this thread I thought I, too, had got lucky. Looking at my account in the app I could see my withdrawal and 0.00 transaction fee. However, the fee was rolled into the withdrawal amount.

This is the case. Charged CAD 3 to withdraw cash from the ATM at Yyz airport the other day....charged 0.00 transaction fee but the withdrawal fee was rolled into the withdrawal amount

 

[moa999]

Sometimes rolled in.
But I have found some US machines that disclose a fee (for cards of a different bank) but then don't actually charge it to foreign cards

 

[Flashback]

Are you sure it wasn't passed on?

After reading this thread I thought I, too, had got lucky. Looking at my account in the app I could see my withdrawal and 0.00 transaction fee. However, the fee was rolled into the withdrawal amount.

In India (and Myanmar if memory serves me right) it wasn't rolled in.

 

[Steady]

Has anyone got experience with ATM's in Malawi and Uganda?

A Google search indicated that MasterCard is not accepted/used in either country, I recommended the Citi Plus Visa to my daughter - but forgot about the recent change to MasterCard.

Anyone have first hand knowledge to confirm it will be of no use?

 

[Steady]

Probably a dumb question but... can someone please confirm there isn't an international transaction fee charged for online purchases from an offshore merchant either? Their mention of 'in-store' has raised doubt.

1. Citibank Australia does not charge Citibank Plus everyday account holders a fee when they withdraw funds from an international ATM or use their Citibank Debit Card to make in-store purchases overseas. Customers may be charged by the third party provider, which Citibank Australia does not control.

Has anyone got experience with ATM's in Malawi and Uganda?

A Google search indicated that MasterCard is not accepted/used in either country, I recommended the Citi Plus Visa to my daughter - but forgot about the recent change to MasterCard.

Anyone have first hand knowledge to confirm it will be of no use?

MasterCard was accepted ok in a reasonable number of ATM's in both country's

 

[Chicken]

Probably a dumb question but... can someone please confirm there isn't an international transaction fee charged for online purchases from an offshore merchant either? Their mention of 'in-store' has raised doubt.

Have you read their Schedule of Fees and Charges (Adobe PDF, 189 KB), more specific, "Local & International Payments and Foreign Currency Services" section in that PDS? The answer to your question is very clear right there.

 

[NoName]

Have the exchange rates on this account changed much since it switched from being a visa to being a MasterCard? Assuming that it's much the same and still quite close to the market midpoint?

 

[imipenam]

Have the exchange rates on this account changed much since it switched from being a visa to being a MasterCard? Assuming that it's much the same and still quite close to the market midpoint?

Just happen to be overseas at the moment. I have used both Citibank debit card and Bankwest CC for ATM cash withdrawal (both are mastercards). What I have noticed is that the Citibank Plus Card gives me a more inferior rate compared to the Bankwest CC at "regular" ATMs (both also inferior compared to xe rates). However, the rate is better when I use my Citibank debit card at a Citibank ATM. Don't use the debit card for purchases ... so can't comment.

 

[Steady]

Have you read their Schedule of Fees and Charges (Adobe PDF, 189 KB), more specific, "Local & International Payments and Foreign Currency Services" section in that PDS? The answer to your question is very clear right there.

Thanks Chicken, yes I did look at that - and it is clear.
My question came about when I then looked at the terms and conditions I quoted, note 1 where it specifies no conversion fees on foreign ATM's and in-store transactions - this is also clear.

Adding the two statements together makes it not very clear to me

 

[Chicken]

Thanks Chicken, yes I did look at that - and it is clear.
My question came about when I then looked at the terms and conditions I quoted, note 1 where it specifies no conversion fees on foreign ATM's and in-store transactions - this is also clear.

Adding the two statements together makes it not very clear to me

I only look at the fee schedule, and this specific account is exclueded from all of those fees in the fee schedule.

 

[imipenam]

Thanks Chicken, yes I did look at that - and it is clear.
My question came about when I then looked at the terms and conditions I quoted, note 1 where it specifies no conversion fees on foreign ATM's and in-store transactions - this is also clear.

Adding the two statements together makes it not very clear to me

I can confirm that I wasn't charged conversion fees on my withdrawals

Edit: sorry just realised you guys are discussing online purchases

 

[theblank]

Just happen to be overseas at the moment. I have used both Citibank debit card and Bankwest CC for ATM cash withdrawal (both are mastercards). What I have noticed is that the Citibank Plus Card gives me a more inferior rate compared to the Bankwest CC at "regular" ATMs

by how much?

(both also inferior compared to xe rates).

its doesnt verify anything comparing to XE rates, or google or whoever is publishing a live rate. You need to compare to the published Mastercard daily rate, and nothing else. the exchange rate can swing quite a bit during the day.

However, the rate is better when I use my Citibank debit card at a Citibank ATM.

If you are still comparing to XE live rate, there is no way you can know if the rate was better.
a lot will also depend on when the relevant bank actually processes the transacton through the system. Some of this is explained quite well on the Mastercard daily rate website.

 

[Chicken]

Also the world had lost the plot, forex is up and down. I don't know if it's possible to track down to 1% difference.

 

[Cynicor]

Steady, you're over thinking it. "In store" includes online. Online is a virtual store.

 

[exceladdict]

Just got my mastercard with the visa expiring - noticed absolutely no reference to overseas free transactions. Given they detailed just about every other feature and benefit from free wine to hotel discounts, I'm worried this may be telling