There’s more to wealth with Citigold

Wealth today has more than one definition. It is diverse, personal and richly meaningful. Citigold gets this better than anyone else. Whatever wealth means to you, Citigold helps you grow and protect 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 and Investment Advice**
We understand how important it is to have a dedicated Relationship Manager who connects well with you, and to get help with your personal finance planning.
With this in mind, we offer you the services.
Citigold Relationship Manager
Your Citigold Relationship Manager will work closely with you to understand your individual wealth management goals and help define your investor profile.
Service Relationship Manager
Your Service Assistant 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 expert
Our Investment experts and Brokerage Line specialists are at hand to execute your trades.

**Please note that to receive investment advisory services, you need to enter into an appropriate agreement, after having read and understood it. Citibank does not provide estimates of future return on investment or the likelihood of principal repayment. The choice of actions, strategies and concepts, asset allocation and any securities transactions will only take place based on a decision you make on your own.

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 can help you move towards your goals and evaluate your investment decisions.

Market Analytics

Analysis of market challenges: assessment of portfolio efficiency solutions for different scenarios.
The most up-to-date research from our global analytical team of 300-plus professionals across the world.
Analysis of focal themes and trends determining market dynamics.
Model portfolio analysis and the assessment of portfolio rebalancing solutions.
Investment seminars and events for Citigold customers conducted by Citi in conjunction with its Russian and foreign partners.
  • 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 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 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:
    • AO «VTB Capital Asset Management» (FFMS license № 21-000-1-00059 dated 06.03.2002): «VTB — Small and Medium Cap Companies 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 — 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 — 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-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» (№ 1924-9416895)
  • 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 and tax support, 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 6,000,000 or equivalent. 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.

  • 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 or use the Mastercard Airport Experiences mobile app. 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, Chauss e 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 Customer is allowed two accompanying guests free of charge. For the third and subsequent guests the Customer will be charged the equivalent of US $30 (in rubles or another currency) per person per visit.

  • The insurance is an offer of JSC IC Allianz (CBR licenses СИ No. 0290 and СЛ No. 0290 both dated November 10, 2014). Insured persons include Customers aged up to 84 years, Customers’ children aged up to 18 years or up to 23 years if full-time students, and Citigold Private Client Customers’ lawful spouses. The insurance commences on the first day of the month following that in which you first met the tariff conditions. For a full list of insured events, covers, exclusions, and the terms of use, please see our Citigold and Citigold Private Client Travel Insurance Guides at

  • Four (4) airport transfers for Citigold Customers (service levels: Business, XL, Kids) and ten (10) airport transfers for Citigold Private Client Customers (all service levels, except Designated Driver) per year. 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. Citibank will pay a fixed airport transfer fare as per Wheely’s fare schedule. If the Customer’s airport transfer fare is higher than the fixed fare, the difference will be charged to the Customer’s card.

  • Citigold Legal and tax support is available subject to maintaining a minimum Average Monthly Relationship Balance of RUB 6,000,000 or currency equivalent across your accounts, including those with International Personal Banking, or subject to maintaining a minimum Average Monthly Relationship Balance of RUB 20,000,000 or currency equivalent in the month preceding that in which the privilege is used. Legal assistance and informational support are provided by OOO National Legal Service (9, bldg. 1, office 36, Malyi Sukharevsky Per., Moscow, 127051). The services are available throughout the term of the Certificate (one year from the Certificate issue date).

  • 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.