Tariffs, Terms and Conditions
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Effective as of December 20, 2011
Citibank accounts and bank card
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Relationship maintenance fee
(for those who became Citigold customers Before March 1, 2011) |
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| — If the Average Monthly Relationship Balance1 is from RUB 0 to RUB 1,300,000 or equivalent in other currencies |
RUB 2,800 per month |
| — If the Average Monthly Relationship Balance1 is equal to or greater than RUB 1,300,000 or equivalent in other currencies |
FREE |
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| Average Monthly Relationship Balance1 |
RUB 1,300,000 |
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| Average Monthly Relationship Balance1 for Three Months |
RUB 1,300,000 |
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| Relationship Balance at End of Calendar Month1 |
RUB 1,300,000 |
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Relationship maintenance fee
(for those who became Citigold customers After March 1, 2011 inclusively) |
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| — If the Average Monthly Relationship Balance1 is from RUB 0 to RUB 2,500,000 or equivalent in other currencies |
RUB 2,800 per month |
| — If the Average Monthly Relationship Balance1 is equal to or greater than RUB 2,500,000 or equivalent in other currencies |
FREE |
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| Average Monthly Relationship Balance1 |
RUB 2,500,000 |
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| Average Monthly Relationship Balance1 for Three Months |
RUB 2,500,000 |
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| Relationship Balance at End of Calendar Month1 |
RUB 2,500,000 |
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As defined in clause 11.1 of the Consumer Banking Terms and Conditions. The Average Monthly Relationship Balance is calculated as the sum of daily credit balances (as at the beginning of day) in all of the Customer's Citibank accounts in any given month divided by the number of days in the respective month. The Average Monthly Relationship Balance includes balances in brokerage and custody accounts but excludes insurance products. |
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| Citigold debit bank card issue and service |
FREE |
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| Maximum number of supplementary bank cards |
THREE |
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| Supplementary bank card issue and service |
FREE
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| Replacement card issue |
FREE |
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| Urgent card issue |
FREE |
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| Changing the primary current account for your bank card: |
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— through Citibank branches
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FREE |
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— through a CitiPhone operator
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FREE |
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| Interest rate on Savings Account in Russian rubles (interest is paid monthly) |
0.75% p.a
reset at Bank's discretion |
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| Interest rate on Savings Account in US Dollars |
0.5% p.a
reset at Bank's discretion |
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| Interest rate on Savings Account in Euros |
0.5% p.a
reset at Bank's discretion |
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Funds transfers / payments
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| Internal funds transfer from account |
FREE |
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| Incoming funds transfer from other bank |
FREE |
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Outgoing RUB transfers to other banks in Russia at Citibank branches
(for those who became Citigold customers Before March 1, 2011) |
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| — if the Average Monthly Relationship Balance1 for the previous calendar month is from RUB 0 to RUB 1,300,000 or equivalent in other currencies |
1%
min RUB 150,
max RUB 1,500 |
| — if the Average Monthly Relationship Balance1 for the previous calendar month is equal to or greater than RUB 1,300,000 or equivalent in other currencies |
FREE |
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Outgoing RUB transfers to other banks in Russia at Citibank branches
(for those who became Citigold customers After March 1, 2011 inclusively) |
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| — if the Average Monthly Relationship Balance1 for the previous calendar month is from RUB 0 to RUB 2,500,000 or equivalent in other currencies |
1%
min RUB 150,
max RUB 1,500 |
| — if the Average Monthly Relationship Balance1 for the previous calendar month is equal to or greater than RUB 2,500,000 or equivalent in other currencies |
FREE |
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| — through CitiPhone |
FREE |
| — through IVR (Interactive Voice Response) |
FREE |
| — through Citibank Online |
FREE |
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| Bill payments2 |
FREE |
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| 2
In case of payments at Citibank through Payment system «Rapida». |
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| RUB Standing instructions fee |
FREE |
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| Outgoing funds transfer in foreign currency: |
| — through Citibank branches |
0,5%
min. USD 30, max. USD 300 |
| — through CitiPhone |
0,5%
min. USD 30, max. USD 300 |
| — through Citibank Online |
0,5%
min. USD 15, max. USD 150 |
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Correspondent Bank might also withhold funds transfer fee. This fee will be applied to your account if you select that Correspondent Bank’s Charges to be paid by Remitter. |
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| Bank's commission for sending additional details of funds transfer, investigation on fund transfers in FCY, made on Customer's request or made on receiver bank's request3 |
USD 15 |
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| Bank's commission for sending additional details of funds transfer, investigation on fund transfers in RUB, made on Customer's request or made on receiver bank's request3 |
RUB 250 |
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3 In case of beneficiary's bank request to provide more payment details before Funds Transfer can be complete, in addition to Citibank investigation fee third banks might also apply its commission for investigation. If a delay in the processing/receipt of payment was caused by Citibank, the commission will not be charged.
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Cash withdrawals
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| Russian rubles, US dollars and Euros at Citibank branches: |
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| — Up to and including RUB 500,000 or equivalent in other currencies per day |
FREE |
| — Over RUB 500,000 or equivalent in other currencies per day |
3,5% |
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| Cash at Citibank ATMs in Russia |
FREE |
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| Cash at Citibank ATMs abroad |
FREE |
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| ATM withdrawal limit4 |
75,000 RUB per day or its equivalent in other currency |
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| 4
Customer can change ATM limit at any time through CitiPhone and set up ATM limit of 30 000, 50 000, 75 000,100 0000,160 000,180 000 RUB per day (or its equivalent in other currency)
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Cash points/ATMs of other banks
(if the Average Monthly Relationship Balance1 for the previous calendar month RUB 0 to RUB 1 300 000 or equivalent in other currencies) |
1%,
min. RUB 100 per transaction |
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Cash withdrawal at non-Citibank ATMs
(for those who became Citigold customers Before March 1, 2011) |
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| — if the Average Monthly Relationship Balance1 for the previous calendar month is from RUB 0 to RUB 1,300,000 or equivalent in other currencies |
1%,
min RUB 100 per transaction |
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| — if the Average Monthly Relationship Balance1 for the previous calendar month is equal to or greater than RUB 1,300,000 or equivalent in other currencies |
FREE |
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Cash withdrawal at non-Citibank ATMs
(for those who became Citigold customers After March 1, 2011 inclusively) |
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| — if the Average Monthly Relationship Balance1 for the previous calendar month is from RUB 0 to RUB 2,500,000 or equivalent in other currencies |
1%,
min RUB 100 per transaction |
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| — if the Average Monthly Relationship Balance1 for the previous calendar month is equal to or greater than RUB 2,500,000 or equivalent in other currencies |
FREE |
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| Cheque collection: |
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| — for cheques in USD |
1% of cheque amount,
min. USD 25,
max. USD 300 |
| — for cheques in EUR |
1% of cheque amount,
min. 20 EUR,
max. 220 EUR |
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Account statements
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| Postal delivery of statements |
FREE |
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| Electronic statements |
FREE |
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| Delivery by courier |
FREE |
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| Issue of a copy of a payment order marked by the bank as accepted for execution, if the copy is requested through: |
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| — CitiPhone operator |
FREE |
| — Citibank branches |
FREE |
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Overdraft
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| Annual overdraft interest rate |
35% per annum |
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| Overdraft overlimit interest rate |
annual overdraft interest rate + 10% |
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| The total cost of credit under the overdraft facility |
41,2% per annum |
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Extra
Citigold privileges 5
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All Citigold privileges other than the Citigold Concierge service are only available subject to the condition that the Average Monthly Relationship Balance1 in the calendar month preceding the month in which the privileges are used was equal to or greater than RUB 1,300,000 or equivalent in other currencies (for those who became Citigold customers Before March 1, 2011) or RUB 2,500,000 or equivalent in other currencies (for those who became Citigold customers After March 1, 2011 inclusively).
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| Free access to business lounges at Russian airports 6 |
AT NO CHARGE |
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For a full list of cities, locations and addresses of business lounges, please contact your dedicated Relationship Manager or call +7(495) 775 7777 in Moscow, +7(812) 336 38 38 in St.Petersburg or 8 800 700 91 91 in other Russian cities, or visit www.citigold.ru
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Taxi transfers to and from Russian airports7
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AT NO CHARGE |
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Two free airport transfers per year. For a full list of cities, please contact your dedicated Relationship Manager or call +7(495) 775 7777 in Moscow, +7(812) 336 38 38 in St.Petersburg or 8 800 700 91 91 in other Russian cities, or visit www.citigold.ru.
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Foreign travel insurance
If you suffer an accident or sudden illness while traveling abroad:
- medical cover up to U.S.$ 75, 000
Cover for loss of luggage or documents:
- up to U.S.$ 1,500
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AT NO CHARGE |
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Citigold Concierge service8
Citigold Concierge offers a variety of services, including information and advice, shopping and delivery, vacation and event planning, and much more
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AT NO CHARGE |
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The Citigold Concierge service is only available subject to the condition that the Average Monthly Relationship Balance1 in the calendar month preceding the month in which the privilege is used was equal to or greater than U.S.$ 250 000 (or its equivalent in other currencies).
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Consumer Banking Terms and Conditions
These Tariffs constitute an integral part of the Banking Services Agreement between the Customer and
Citibank. Citibank may, in its discretion, from time to time change the amounts of fees, commissions
and charges and the set of products and services described herein, as provided in the Terms and
Conditions.
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