Citi debit card reviews

Citi
Citi's overall rating for debit cards

(as rated by the Mozo community)

6.5 / 10

based on 49 reviews

Price

Features

Customer service

Convenience

Trust

Featured debit card from Citi

Recent Citi debit card reviews

Citi

Citi Plus Transaction Account debit card review

Overall rating   8 / 10

Online banking service is good

No ATM fees, no Account keeping fees, no international transaction fees and it also works as a debit credit card for online purchases. Citibank is a really great bank.

Full review

No ATM fees, no Account keeping fees, no international transaction fees and it also works as a debit credit card for online purchases. Citibank is a really great bank.

    Price   10 / 10

    Features   7 / 10

    Customer service   8 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Sabzeena (VIC), reviewed over 1 year ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   10 / 10

All

The service is great always very helpful, when going overseas and at home.

Full review

The service is great always very helpful, when going overseas and at home.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Mona (QLD), reviewed over 1 year ago

Citi

Citi debit card review

Overall rating   10 / 10

Free overseas ATM, fast customer service

I've been with Citibank for the past 3 years and I always recommend making an account to my family and friends! The pros of Citibank is their reliability, no account fees and transaction fees. Citibank has always helped me whenever there was a...

Full review

I've been with Citibank for the past 3 years and I always recommend making an account to my family and friends! The pros of Citibank is their reliability, no account fees and transaction fees. Citibank has always helped me whenever there was a suspicious activity on my account and their security is very tight. I also travel overseas a lot and it's been really good to be able to withdraw money from overseas ATMs without any fees and excellent exchange rates! I can always speak on the phone with a customer representative within 5 minutes, or visit a branch for friendly staff. Cons is there are not many Citibank ATMs around Sydney except in CBD areas, however Citibank does have affiliations with some banks in Australia to use their ATM without a fee

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   7 / 10

    Trust   10 / 10

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Chan (NSW), reviewed over 1 year ago

Citi

Citi debit card review

Overall rating   0 / 10

Citibank Visa Debit - find a better product

I have had nothing but problems with my Citibank Visa debit. Originally got it for travel in the USA; the account sign-on was so problematic, it was useless. Customer service is non existent. Honestly, the security features make the account too...

Full review

I have had nothing but problems with my Citibank Visa debit. Originally got it for travel in the USA; the account sign-on was so problematic, it was useless. Customer service is non existent. Honestly, the security features make the account too difficult to use.

    Price   5 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Mature (NSW), reviewed about 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   8 / 10

Perfect travel debit card to travel overseas with

I like this bank because they are one of the very few that doesn't charge additional fees when withdrawing funds from an overseas ATM or maybe a purchase using their Plus Transaction Debit card. This is the perfect card for travelling with. I...

Full review

I like this bank because they are one of the very few that doesn't charge additional fees when withdrawing funds from an overseas ATM or maybe a purchase using their Plus Transaction Debit card. This is the perfect card for travelling with. I don't like that they don't have a reward system for using this card.

    Price   10 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Jeremy (NSW), reviewed about 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   8 / 10

Excellent overall

Quick, efficient online site and app for banking. Limited branches but I don't seem to ever need to visit one anymore.

Full review

Quick, efficient online site and app for banking. Limited branches but I don't seem to ever need to visit one anymore.

    Price   10 / 10

    Features   10 / 10

    Customer service   4 / 10

    Convenience   5 / 10

    Trust   10 / 10

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Antony (VIC), reviewed about 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   10 / 10

Best travel and debit card -beats the rest!

Best debit and travel card!

Full review

Best debit and travel card!

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Anna (WA), reviewed about 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   7 / 10

Great affordable card, and no fees, excellent

The citibank plus account is really great. Unfortunately, though, Citibank's iPhone app and internet banking really let them down. It's almost a deal breaker. Fortunately the flexibility and value that the citibank plus account allows somewhat...

Full review

The citibank plus account is really great. Unfortunately, though, Citibank's iPhone app and internet banking really let them down. It's almost a deal breaker. Fortunately the flexibility and value that the citibank plus account allows somewhat makes up for it. I still have to have a bank account with another bank though, solely because Citibank's ATMs aren't widespread enough, and because of Citibank's poor netbanking.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   4 / 10

    Trust   4 / 10

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Shaun (TAS), reviewed over 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   8 / 10

Great card, great rates and enjoy the smart chip

I like Citibank's debit card because it has the smart chip giving me faster transactions. It also allows me to pay for items online and has the card size that will fit into my wallet nicely. A pro of this card is that it has the smart chip. Cons...

Full review

I like Citibank's debit card because it has the smart chip giving me faster transactions. It also allows me to pay for items online and has the card size that will fit into my wallet nicely. A pro of this card is that it has the smart chip. Cons are that the numbers and letters wear out and can make it hard to see.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Callum (NSW), reviewed over 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   1 / 10

Go somewhere else

Not a fan. They somehow transfered my money to somebody in missouri and took me forever to get my money back. They were rude and hung the phone up three times and acted as if I were an idiot.

Full review

Not a fan. They somehow transfered my money to somebody in missouri and took me forever to get my money back. They were rude and hung the phone up three times and acted as if I were an idiot.

    Price   1 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Forrest (NT), reviewed over 2 years ago

Citi

Citi debit card review

Overall rating   2 / 10

Useless

Offer no help in repaying debt.

Full review

Offer no help in repaying debt.

    Price   3 / 10

    Features   1 / 10

    Customer service   0 / 10

    Convenience   1 / 10

    Trust   4 / 10

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Susan (QLD), reviewed over 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   9 / 10

Great value and features

Citibank charge no transactions, no overseas currency exchange fees and the linked savings account has a competitive interest rate. I recommend this account to all my friends - so far three have signed up.

Full review

Citibank charge no transactions, no overseas currency exchange fees and the linked savings account has a competitive interest rate. I recommend this account to all my friends - so far three have signed up.

    Price   10 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   7 / 10

    Trust   7 / 10

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Paul (WA), reviewed over 2 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   6 / 10

It's good, modern with old fashioned courtesy

I have been with my bank for a banking lifetime, some 40 years. In that time I have not had not even on one occasion to register even one complaint. A good bank should be invisible yet supportive of your financial situation, not intruding into...

Full review

I have been with my bank for a banking lifetime, some 40 years. In that time I have not had not even on one occasion to register even one complaint. A good bank should be invisible yet supportive of your financial situation, not intruding into your money worries but being a balm to your financial worries, with interest rates which remain competitive, with a small overdraft facility to act as a buffer for you, products like a mortgage facility and redraw facility as well as a day to day service which can be administered from the comfort of my own home, with the convenience of internet banking without diminishing the courteousness, the respect that makes it a pleasure when I have to ring them or have a person to person transaction.

    Price   6 / 10

    Features   4 / 10

    Customer service   5 / 10

    Convenience   5 / 10

    Trust   8 / 10

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Jan (TAS), reviewed almost 3 years ago

Citi

Citi debit card review

Overall rating   6 / 10

Recommended only for international travel

Only international fee-free debit card available but Citibank's variable customer service means it's not going to be your main card back home.

Full review

Only international fee-free debit card available but Citibank's variable customer service means it's not going to be your main card back home.

    Price   7 / 10

    Features   -1 / 10

    Customer service   4 / 10

    Convenience   7 / 10

    Trust   3 / 10

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Jess , reviewed almost 3 years ago

Citi

Citi debit card review

Overall rating   8 / 10

No fees in Oz or overseas

I love the fact that Citibank don't charge for overseas ATM transactions. That's a big win for me as I travel a lot. They also give you a lot of benefits if you pay with your Citibank card with different restaurants and hotels - another huge...

Full review

I love the fact that Citibank don't charge for overseas ATM transactions. That's a big win for me as I travel a lot. They also give you a lot of benefits if you pay with your Citibank card with different restaurants and hotels - another huge bonus. There are no account keeping fees, their savings account gives a decent rate of interest. There aren't a lot of Citibank branches around or ATMs but you are able to use a lot of other ATMs in Australia without being charged so that also works well. In summary - I think I'm onto a winner with Citibank.

    Price   9 / 10

    Features   9 / 10

    Customer service   6 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Erin (NSW), reviewed almost 3 years ago

Citi

Citi debit card review

Overall rating   1 / 10

No no no. Not worth it.

Don't bother! Decided to use this card to save some $ on fees. Currently in NYC and definitely not getting the exchange rate. Described in detail travel plans yet card blocked 2nd day. After unblocking we still had no access to cash. 3...

Full review

Don't bother! Decided to use this card to save some $ on fees. Currently in NYC and definitely not getting the exchange rate. Described in detail travel plans yet card blocked 2nd day. After unblocking we still had no access to cash. 3 consecutive days of phone calls they finally stated Citibank atm's weren't working. :) Citi always available during Aus business hours... Too bad international isn't especially when they block the card. Seriously, use a professional normal bank with 24/ 7 access. I thankfully had backup cards ( Thanks Suncorp.. Take your fees you deserve it ). You don't want to take the risk with this stupid card especially on holiday.

    Price   7 / 10

    Features   4 / 10

    Customer service   2 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Alan (QLD), reviewed almost 3 years ago

Citi

Citi debit card review

Overall rating   8 / 10

Can be tedious, is better than 5 years ago though.

Citi is ok. The best thing is that they listen, the worst thing is that they don't have any shop fronts in any areas I've ever been to since dealing with them. Never seen one.

Full review

Citi is ok. The best thing is that they listen, the worst thing is that they don't have any shop fronts in any areas I've ever been to since dealing with them. Never seen one.

    Price   7 / 10

    Features   7 / 10

    Customer service   9 / 10

    Convenience   6 / 10

    Trust   7 / 10

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Robert , reviewed almost 3 years ago

Citi

Citi debit card review

Overall rating   10 / 10

Extraordinary customer service

Citibank provides us with our own personal consultant who addresses every aspect of our banking requirements, in home if need be or at the bank itself. Nothing is too much trouble, everything is very comprehensively explained and we have access to...

Full review

Citibank provides us with our own personal consultant who addresses every aspect of our banking requirements, in home if need be or at the bank itself. Nothing is too much trouble, everything is very comprehensively explained and we have access to his assistance 24/7. The personal, friendly approach coupled with an attentive eye for detail and getting things right the first time makes this organisation truly stand out. We have been with Citibank now for over 5 years and it would take something extraordinary for us to break our loyalty. Have tried the other majors, we are just a number there.

    Price   9 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Dee (NSW), reviewed about 3 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   10 / 10

Great bank for saving!

Citibank are terrific with fees and ATM withdrawals through Westpac. You can deposit through NAB so no need to worry about branches.

Full review

Citibank are terrific with fees and ATM withdrawals through Westpac. You can deposit through NAB so no need to worry about branches.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Kelly (VIC), reviewed about 3 years ago

Citi

Citi debit card review

Overall rating   9 / 10

Great card, no hidden costs

Used the debit card on our last European holiday and it worked great for us, had no problems and no hidden costs.

Full review

Used the debit card on our last European holiday and it worked great for us, had no problems and no hidden costs.

    Price   10 / 10

    Features   9 / 10

    Customer service   8 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Peter (QLD), reviewed about 3 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   10 / 10

Perfect for international travel and awesome rates

The Citibank plus transaction account and debit card are absolutely amazing for international travel. The exchange rates are great, and there are no ATM fees internationally which makes overseas travel a total stress-free breeze. I've been using...

Full review

The Citibank plus transaction account and debit card are absolutely amazing for international travel. The exchange rates are great, and there are no ATM fees internationally which makes overseas travel a total stress-free breeze. I've been using it overseas all year and haven't had any problems!

    Price   10 / 10

    Features   10 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   9 / 10

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Angela (NSW), reviewed about 3 years ago

Citi

Citi debit card review

Overall rating   9 / 10

Great travel card saves money, no fees

No fees, cheap to use for international travel.

Full review

No fees, cheap to use for international travel.

    Price   10 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Glenn (VIC), reviewed about 3 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   1 / 10

Terrible customer service

The card is great if all goes well. If not - I lost my card in Mykonos and they said they would block it immediately. I was told that it was definitely a reverse charges call. The card was found and I had it couriered to Santorini ($18). I then...

Full review

The card is great if all goes well. If not - I lost my card in Mykonos and they said they would block it immediately. I was told that it was definitely a reverse charges call. The card was found and I had it couriered to Santorini ($18). I then called to reinstate but was told that it was cancelled and could not be reinstated ever. I would need a new card. I was also charged for the call! I am now in Santorini with a useless card and no cash, and $36 worth of extra charges. I was never told what would happen if I lost the card, and I was also told that all calls regarding a lost card would be reverse charged. With many other types of travel cards, you are given a second card in case. Not so with Citibank. I also was not told that to do any transactions I would need my mobile for an sms pin number. I did not take my mobile OS and have an old style one anyway, as I am older. So now I cannot even transfer funds to another card even if I wanted to. I would not recommend this card to anyone, the customer service is terrible. I am stranded - too bad they say.

    Price   9 / 10

    Features   2 / 10

    Customer service   3 / 10

    Convenience   9 / 10

    Trust   4 / 10

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Janette (WA), reviewed about 3 years ago

Citi

Citi Plus Transaction Account debit card review

Overall rating   0 / 10

Do you want your money stolen?

Would not recommend this to anyone I care about, even my worst enemies. No one deserves hopeless customer service, dodgy online and app banking, and having their money STOLEN! Yes, it does have $0 fees but the fees come in the alternative form of...

Full review

Would not recommend this to anyone I care about, even my worst enemies. No one deserves hopeless customer service, dodgy online and app banking, and having their money STOLEN! Yes, it does have $0 fees but the fees come in the alternative form of a) having your money fraudulently stolen from you (I had this happen twice), b) then being asked to jump through endless hoops to get it back - you're never getting it back! (5 months later...) c) having $0 to your name while travelling (possibly the most stressful thing in the world - would not recommend). Don't get this product, because no one deserves this.

    Price   6 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   0 / 10

    Trust   0 / 10

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Peter (QLD), reviewed about 3 years ago

Citi

Citi debit card review

Overall rating   8 / 10

No fee travelling with this debit card!

Going overseas with this card is a BREEZE! Blows any travel cards out of the water! No cash withdrawl fees, no currency conversion fees and competitive conversion rates. The online banking system is great - you can even re-set a pin number....

Full review

Going overseas with this card is a BREEZE! Blows any travel cards out of the water! No cash withdrawl fees, no currency conversion fees and competitive conversion rates. The online banking system is great - you can even re-set a pin number. Very user friendly interface. Makes travelling with your own funds a very simple process.

    Price   10 / 10

    Features   10 / 10

    Customer service   6 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Sharna (NSW), reviewed about 3 years ago

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Debit card comparisons on Mozo - rates updated daily

  • ING Orange Everyday

    ING Orange Everyday

    • $75 cash bonus
    • Free ATMs in Aus, when you deposit $1k per month (& from Mar 2018, 5+ card purchases in the month)
    • No everyday fees, which means more of your money is where it belongs, in your pocket

    account fee

    $0.00

    ATM networks

    None

    what kind of card

    Visa Debit

    Go to site

    More info

    • $75 cash bonus
    • Free ATMs in Aus, when you deposit $1k per month (& from Mar 2018, 5+ card purchases in the month)
    • No everyday fees, which means more of your money is where it belongs, in your pocket
    • Interest rate: Balances from $0: 0.00% p.a.
    • Fee-free transactions: Free ATM use in Australia and overseas and free international transactions when you deposit at least $1,000 from an external bank account each month, free EFTPOS withdrawals.
    Overall rating

    9.2

    Based on 206 ING debit card reviews

    Need more information?
    Go to site

    More info

  • NAB Classic Banking Account

    NAB Classic Banking Account

    • No monthly account fees ever, with no conditions.
    • Free use at over 10,000 ATMs around Australia
    • 24/7 Mobile Banking, including Quick Balance and Tap & Pay for Android

    account fee

    $0.00

    ATM networks

    NAB, rediATM

    what kind of card

    Visa Debit or
    EFTPOS

    Go to site

    More info

    • No monthly account fees ever, with no conditions.
    • Free use at over 10,000 ATMs around Australia
    • 24/7 Mobile Banking, including Quick Balance and Tap & Pay for Android
    • Interest rate: Balances from $0: 0.01% p.a.
    • Fee-free transactions: Unlimited free transactions from own-bank ATM, EFTPOS, counter withdrawals, counter deposits, phone, internet and Visa debit purchases
    Overall rating

    8.5

    Based on 1662 NAB debit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Qantas Transaction Account

    Bankwest Qantas Transaction Account

    • Earn Qantas Points on your account balance 365 days a year
    • No ATM fees at Bankwest and CommBank ATMs Australia wide
    • No monthly account fees when you deposit $2,000 each month

    account fee

    $6.00$0 monthly account fee if you deposit min. $2,000 per month

    ATM networks

    Bankwest, Commonwealth

    what kind of card

    Debit Mastercard

    Go to site

    More info

    • Earn Qantas Points on your account balance 365 days a year
    • No ATM fees at Bankwest and CommBank ATMs Australia wide
    • No monthly account fees when you deposit $2,000 each month
    • Interest rate: Balances from $0: 0.01% p.a.
    • Fee-free transactions: Unlimited free domestic transactions from network ATMs, EFTPOS, cheque, counter withdrawals, phone, internet and Debit MasterCard purchases
    Overall rating

    8.6

    Based on 343 Bankwest debit card reviews

    Need more information?
    Go to site

    More info

  • ANZ Access Advantage

    ANZ Access Advantage

    • $0 monthly account service fee if you deposit at least $2,000 a month
    • Now with Apple Pay
    • Consider if right for you. T&C’s, eligibility criteria apply

    account fee

    $5.00$0 monthly account fee if you deposit min. $2,000 per month

    ATM networks

    ANZ

    what kind of card

    Visa Debit or
    EFTPOS

    Go to site

    More info

    • $0 monthly account service fee if you deposit at least $2,000 a month
    • Now with Apple Pay
    • Consider if right for you. T&C’s, eligibility criteria apply
    • Interest rate: Balances from $0: 0.00% p.a.
      Balances from $50,000: 0.01% p.a.
      Balances from $100,000: 0.02% p.a.
    • Fee-free transactions: Unlimited free transactions from own-bank ATM, EFTPOS, cheque, counter withdrawals, counter deposits, phone and internet
    Overall rating

    7.9

    Based on 1842 ANZ debit card reviews

    Need more information?
    Go to site

    More info

  • Bankwest Easy Transaction Account

    Bankwest Easy Transaction Account

    • Pay $0 ATM fees at over 10,000 major bank ATMs in Aus. Fees, T&Cs apply
    • No monthly account keeping fees when you deposit at least $2,000 per month
    • 24/7 access to your money via phone

    account fee

    $6.00$0 monthly account fee if you deposit min. $2,000 per month

    ATM networks

    Bankwest, ANZ, Commonwealth, NAB, Westpac, St.George, BankSA, Bank of Melbourne

    what kind of card

    Debit Mastercard

    Go to site

    More info

    • Pay $0 ATM fees at over 10,000 major bank ATMs in Aus. Fees, T&Cs apply
    • No monthly account keeping fees when you deposit at least $2,000 per month
    • 24/7 access to your money via phone
    • Interest rate: Balances from $0: 0.00% p.a.
    • Fee-free transactions: Unlimited domestic transactions from network ATMs, EFTPOS, cheque and counter withdrawals
    Overall rating

    8.6

    Based on 343 Bankwest debit card reviews

    Need more information?
    Go to site

    More info

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