Citi bank Online Saver

Headline interest rate p.a.
Monthly fee
Account type

Moneybuddy says

Citibank Online Saver is a high interest savings account with a current introductory rate of 4% p.a for the first 4 months (for balances less than $500,000). After the 4 months you'll receive the standard variable rate, currently a very competitive 2.90% p.a. There are no account fees, no minimum balance and earn interest on every dollar. If you have more than $500,000 in savings you get 2.90% p.a interest from the start.

The Basics

Interest paid Monthly

Interest calculated Daily

Headline interest rate p.a. 4.00%

Monthly fee $0

Account type Savings

The cool stuff: features

ATM access -

EFTPOS access -

Branch access Yes

Internet Banking Yes

Age restrictions Yes

Cheque book facility -

Debit card -


GiroPost -

Phone access Yes

The Facts & Figures

Balance less than $1k (p.a.) 4.00%

Balance less than $5k (p.a.) 4.00%

Balance less than $25k (p.a.) 4.00%

Balance greater than $100k (p.a.) 4.00%

Min. balance $0

Min. opening deposit -

Number of free elect transactions per month -

The ugly stuff: fees

Other bank ATM fee -

EFTPOS transaction fee -

Branch assistance fee -

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Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Citi says

Give your money that extra kick with Citibank Online Saver. Earn a high variable introductory rate for the first 4 months, currently 4% p.a (for balances less than $500,000), followed by a great standard variable rate.

Key features

  • A great introductory rate of 4% p.a. for the first 4 months of your account opening. At the end of 4 months you’ll receive the Citibank standard variable interest rate, currently 2.9% p.a.*
  • No account fees*
  • No minimum balance
  • No fixed terms or hidden catches
  • Access your money 24 hours a day, 7 days a week through phone and internet banking
  • Savings up to $1 million will be covered by the Australian Government Guarantee*
  • Balances over $500,000 don't attract the bonus interest rate - simply 2.9% p.a from the start


  • High Variable Interest Rate
  • Monthly e-statement
  • No minimum opening or ongoing balance

Terms & conditions

Terms & Conditions apply and are available on request from Citibank


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