Wealth on Your Terms

Wealth is travelling the world, realising your dream home, an early retirement. No matter how you define wealth, Citigold can help you achieve it.

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AO Citibank has been repeatedly named as one of Russia’s most reliable banks*

Citibank began its operations in Russia in 1992 and was one of the first international banks to enter the Russian market.

Citibank is a member of Citi and provides consumers, corporations, governments and institutions with a broad range of world-class financial products and services.

A Team of Professionals
We understand the importance of having a Relationship Manager with whom you can establish a good rapport.
With this in mind, we offer you the services of experienced financial professionals.
Citigold Relationship Manager
Your Citigold Relationship Manager will work alongside you to understand your individual wealth management goals and partner you in achieving them.
Service Relationship Manager
Your Service Relationship Manager will work closely with you and your Citigold Relationship Manager to make sure you receive outstanding service and have all the support you need.
Investment Counsellor
Your Investment Counsellor will always be available to provide investment and insurance advice. You can also use the services of our Brokerage Line staff.
Investment Strategies

Investing is a long-term process that requires constant attention.

Your investment goals and financial situation can change over time, and the same goes for market conditions and investment opportunities.

Our experience and expertise will help you move towards your goals, regardless of the market environment.

Market Analytics

Analysis of market challenges: comments, portfolio allocation and rebalancing recommendations for different scenarios.
Most up-to-date recommendations from our global analytical team of 300-plus professionals across the world.
Analysis of focal themes and trends determining market dynamics.
Strategic model portfolio and recommendations on tactical rebalancing.
Investment seminars and events for Citigold customers conducted by Citi in conjunction with its Russian and foreign partners.
Disclaimers
  • Investment products are not insured by any governmental agencies, are not bank deposits or guaranteed by the bank, and may lose value, including possible loss of the principal amount invested. Past performance is not indicative of future results. Prior to purchasing any investment product, you should fully understand the terms and conditions of the transaction and determine the economic risks and merits as well as the legal, tax and accounting consequences of the transaction and that you are able to assume the risk. Investments in foreign currency are subject to currency risk which may result in value depreciation, in part or in whole.

    • AO Citibank acts as broker in relation to securities transactions (except for local mutual fund and dual currency deposit transactions). The terms of brokerage, the fees and other relevant documents are available from AO Citibank branches or at www.citibank.ru under «Investment Products — Documents».
    • The Customer enters into the brokerage agreement for the purpose of investing his/her surplus funds to make an investment and/or other income on financial market transactions, which may involve the risk of no income or the loss of principal, rather than for the purpose of satisfying his/her personal, family, household or other consumer needs.
    • Investments in securities are exposed, without limitation, to the following risks, which the Customer accepts: country risk, foreign exchange risk, price risk, liquidity risk, credit risk, counterparty risk, settlement risk. A detailed description of the risks is made available to the Customer at the time of entering into the brokerage agreement.
    • AO Citibank will charge a brokerage fee, details of which are available at www.citibank.ru under «Investment Products — Documents», from AO Citibank branches or via the CitiPhone brokerage line at:
      • +7 (495) 775-78-58 in Moscow;
      • +7 (812) 346-78-58 in St. Petersburg;
      • 8 (800) 700-78-58 elsewhere in Russia.
  • Foreign securities that have not been admitted to public placement and/or public circulation in Russia, as well as foreign financial instruments that have not been recognized as securities, may not be offered to an unlimited number of persons or to non-qualified investors and may only be bought by and/or sold to qualified investors under Russian law (Federal Law «On Securities Market» No. 39-FZ of April 22, 1996).

  • Mutual funds are held at the customer’s sole risk, and AO Citibank, Citigroup Inc. and their affiliates are not liable for any damage or loss occurring as a result of such investments. Mutual funds are not bank deposits or obligations of AO Citibank, Citigroup Inc. or their affiliates, and their performance is not guaranteed by the government. Past performance is not indicative of future returns, and the value of mutual funds may go down as well as up. All mutual fund transactions are subject to applicable regulations. AO Citibank receives fees from management companies for covering administrative expenses incurred in connection with mutual fund purchase or redemption, or as part of sales promotion programs, which have no effect on the value of a fund share.

    • Russian fund management companies may charge upfront and back-end fees, which reduces returns on mutual fund investments. Please, read carefully the rules of fund management before purchasing the fund. Detailed information on mutual funds, including upfront and back-end fees and other charges related to the purchase and ownership of mutual funds, the rules of fund management and other relevant documents are available at AO Citibank branches and on the management companies’ websites.
    • Income earned by consumers on mutual fund transactions is subject to taxation under Chapter 23 of the RF Tax Code. AO Citibank does not act as tax agent in relation to customer transactions entered into within the framework of its agency agreements with Russian management companies. For such customers, income on the sale of securities is calculated by the management company.
    • AO Citibank acts as a mutual fund agent for the following Russian management companies:
    • Alfa Capital LLC (FFMS license № 21-000-1-00028 dated 22.09.1998): «Alfa-Capital Bonds Plus» (№ 0095-59893492 dated 21.03.2003); «Alfa-Capital Oil & Gas» (№ 0698-94121750 dated 12.12.2006); «Alfa-Capital High Tech» (№ 0699-94121833 dated 12.12.2006); «Alfa-Capital Retail» (№ 0907-94126486 dated 07.08.2007); «Alfa-Capital Reserve» (№ 0094–59893648 dated 21.03.2003);
    • AO «VTB Capital Asset Management» (FFMS license № 21-000-1-00059 dated 06.03.2002): «VTB — Equity Fund» (№ 0968-94131582 dated 13.09.2007); «VTB — Balanced Fund» (№ 0962-94131346 dated 13.09.2007); «VTB — Bond Plus Fund» (№ 0958-94130789 dated13.09.2007); «VTB — Perspective Investments Fund» (№ 0959-94131180 dated 13.09.2007); «VTB — State Owned Enterprises Fund» (№ 0966-94131263 dated 13.09.2007); «VTB — MICEX Fund» (№ 0177-71671092 dated 21.01.2004); «VTB — Treasury Fund» (№ 0089-59893097 dated 26.02.2003); «VTB — Utility Sector Fund» (№ 0965-94131501 dated 13.09.2007); «VTB — Telecom Sector Fund» (№ 0967-94131429 dated 13.09.2007); «VTB — Metallurgy Sector Fund» (№ 0961-94131104 dated 13.09.2007); «VTB — Eurobonds Fund» (№ 0963-94130861 dated 13.09.2007); «VTB — Oil & Gas Sector Fund» (№ 0960-94131027 dated 13.09.2007); «VTB — Consumer Sector Fund» (№ 0964-94130944 dated 13.09.2007); «VTB — BRIC Fund» (№ 0012-46539678 dated 11.08.1997);
    • AO «Sberbank Asset Management» (FFMS license № 21-000-1-00010 dated 12.09.1996 ): «Sberbank — Ilya Muromets Bond Fund» (№ 0007-45141428 dated 18.12.1996); «Sberbank — Dobrynya Nikitich Equity Fund» (№ 0011-46360962 dated 10.04.1997); «Sberbank — Balanced Fund» (№ 0051-56540197 dated 21.03.2001); «Sberbank — Money Market Fund» (№ 0082-59794722 dated 24.12.2002); «Sberbank -America» (№ 0716-94122086 dated 26.12.2006); «Sberbank — Natural Resources» (№ 0597-94120779 dated 31.08.2006); «Sberbank — Telecommunications» (№ 0596-94120696 dated 31.08.2006); «Sberbank — Electric Utilities» (№ 0598-94120851 dated 31.08.2006); «Sberbank — Consumer Sector» (№ 0757-94127221 dated 01.03.2007); «Sberbank — Emerging Markets» (№ 1924-94168958 dated 28.09.2010);
    • TKB Investment Partners (AO) (FFMS license № 21—000-1—00069 dated 17.06.02): «ТКБ Investment Partners — Global Investments» (№ 0096-58227323 dated 21.03.2003) «TKB Investment Partners — Balanced Conservative» (№ 0078–58234010 dated 24.12.2002), «TKB Investment Partners — Bond Fund» (№ 0081–58233855 dated 24.12.2002), «TKB TKB Investment Partners — Premium. Equity» (№ 0478–75408434 dated 28.02.2006); «TKB Investment Partners — Foreign Currency Bonds» (№ 0991–94131990 dated 20.09.2007); «TKB Investment Partners — Gold» (№ 2026–94198244 dated 28.12.2010).
  • Life insurance savings programs are offered by CiV Life Insurance Co. Ltd (CBR licenses СЖ No.4105 and СЛ No.4105 dated May 19, 2017). AO Citibank acts as an agent of the insurer and does not charge agency fees from individuals. The insurance programs are not deposits or obligations of AO Citibank, Citigroup Inc. or their affiliates. Funds under the programs are not insured in accordance with the Federal Law «On the Insurance of Individuals’ Deposits at Russian Banks». Russian government organizations have no obligations under or in connection with these programs. If the customer terminates the contract of life insurance before maturity, the cash surrender value under the programs may be less than the premiums paid by the customer. The insured may, within the first thirty (30) calendar days of insurance commencement date, unless an insured event has occurred, terminate the insurance contract and be refunded the premium paid. If the contract is terminated before maturity but after the expiration of such period, all settlements with the insured will be made in accordance with the Policy Terms and Conditions.

    • AO Citibank may receive a fee from the insurer based on the amount of premium to cover its administrative costs.
  • All Citigold privileges, other than E-Library, Boingo Wi-Fi and the Legal Advice service, are only available subject to the condition that the Average Monthly Relationship Balance in the calendar month preceding the month in which the privileges are used was equal to or greater than RUB 4,000,000 or equivalent for those who became Citigold customers before January 1, 2018, or RUB 6,000,000 or equivalent for those who became Citigold customers on or after January 1, 2018. For the purpose of Citigold privileges, the Average Monthly Relationship Balance may include balances in the Customer’s accounts with AO Citibank and balances in the Customer’s accounts with AO Citibank’s affiliates as referred to in the Consumer Banking Terms and Conditions.

  • The Citi Ultima credit card is made available at Citibank’s discretion. All terms and conditions of the relevant agreement are available at www.citibank.ru.

  • Ten lounge visits for Citigold customers and an unlimited number of lounge visits for Citigold Private Client customers in a calendar month. For a full list of cities, lounges and their locations, go to airport.mastercard.com, use the Mastercard Airport Experiences mobile app, contact your Relationship Manager or call +7 (495) 775-77-77 in Moscow, +7 (812) 336-38-38 in St. Petersburg or 8 (800) 700-91-91 elsewhere in Russia.

    • The Customer authorizes Citibank to debit any of his/her Citibank accounts for a ruble amount equivalent to US$ 30.00 in favor of Mastercard Europe SA (198A, Chaussée de Tervuren, 1410 Waterloo, Belgium) if the Customer used the privilege «Free Access to Airport Lounges» but had failed to maintain the required Average Monthly Relationship Balance in the calendar month preceding that in which the privilege was used.
  • The insurance program is an offer of AO IC Allianz (CBR licenses СИ № 0290 and СЛ № 0290 from Nov.10, 2014). AO Citibank, Citigroup Inc., their affiliates, government agencies and the Russian Federation are in no way liable under the insurance contract. The insurance program is only available to Ultima primary card holders. The privilege is available to customers up to and including the age of 84 years.

  • A transfer means a ride from/to the airport to/from the city that does not include stops at any other destinations en route. The service is available to Citigold customers and their supplementary cardholders. The Customer authorizes Citibank to debit any of his/her Citibank accounts for an amount no greater than the fare set out in the officially published Wheely fare schedule if the Customer used the privilege «Transfer from/to airport» but had failed to maintain the required Average Monthly Relationship Balance in the calendar month preceding that in which the privilege was used. Service is available in Moscow, St. Petersburg, Yekaterinburg, Perm, Kazan and Sochi, and also London (UK).

  • The Legal Advice service is only available subject to the condition that the Average Monthly Relationship Balance in the calendar month preceding the month in which the privilege is used was equal to or greater than RUB 20,000,000 or its equivalent in other currencies.

  • Services are provided at the discretion of, and subject to the terms and conditions determined by, the service provider company. AO Citibank, Citigroup Inc. and their affiliates are not liable or responsible for any offers made by that company, particularly in connection with said services. Service details are provided based on information received from the company.