Citibank Singapore Cards review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Citibank Singapore Cards is a no-fee debit card for people in Singapore who spend in several currencies and want a bank behind the account. The monthly fee is SGD 0, the card is debit on mastercard, and free ATM withdrawals come to SGD 0.
Key facts
- Best for
- Singapore residents who want a free multi-currency debit card for everyday spending and travel.
- Monthly fee
- SGD 0↗
- Currency conversion fee
- 0% to 2.5%↗
- Free ATM withdrawals
- SGD 0↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Currencies
- 15↗
- Legal entity
- Citibank Singapore Limited↗
- Headquarters
- Singapore↗
- Support channels
- Chat, Phone↗
- Features
- Multi-currency, Travel
- Official website
- citibank.com.sg
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- No monthly charge: the fee is SGD 0 and it ranks 1 of 379 on monthly fee.
- A debit card on mastercard, so spending draws straight on the account balance.
- Multi-currency and travel features across 15 currencies, useful for trips away.
- Support runs through chat and phone channels, so help is not limited to self-service forms.
Cons
- Conversion fees run 0% to 2.5%, so spending outside the currencies you hold costs more.
- Free ATM withdrawals are SGD 0, so cash withdrawals fall outside the free allowance.
- It holds 15 currencies, well short of multi-currency accounts built for frequent conversion.
Who it suits
- People in Singapore who want a free debit card for daily spending.
- Travellers who keep several currencies and pay in the local one.
- Anyone who prefers a bank account over a prepaid or virtual card.
Who should look elsewhere
- Heavy currency converters, who pay conversion fees of 0% to 2.5% here and may find Wise a closer fit.
- Cash-heavy users, since free ATM withdrawals are SGD 0 and Monzo Flex is worth comparing on that front.
- Anyone outside Singapore, since the card is issued by Citibank Singapore Limited in Singapore.
Trading and withdrawal fees
The monthly fee is SGD 0, so the card carries no standing charge to keep open. Currency conversion runs 0% to 2.5%, and that figure is the one to watch when spending or withdrawing in a currency you do not hold. Free ATM withdrawals come to SGD 0, so cash is worth planning rather than treating as routine. Spending on the debit card draws straight on the account balance.
Who runs it
The card is issued by Citibank Singapore Limited, based in Singapore. The legal entity is stated on the bank's own disclosure, and the product is built for Singapore customers rather than a wider multi-country platform. Support runs through chat and phone channels, which covers both live chat and a phone line, and the multi-currency and travel features are part of the account rather than an add-on.
How Citibank Singapore Cards compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.1A card with no monthly charge at €0 aimed at crypto spending, a different use from a bank debit card on mastercard.
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.3
Where Citibank Singapore Cards is available
- Available
- Singapore
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Citibank Singapore debit card cost each month?+
The monthly fee is SGD 0, so there is no standing charge to keep the account open. The card is a debit card, which means purchases come straight from the balance held in the account. Spending on the card itself adds nothing beyond that monthly figure.
What does it cost to convert currency on this card?+
Conversion fees run 0% to 2.5%, with the figure varying by currency and transaction. This is the main cost to watch if you spend in a currency you do not already hold. Holding the currency ahead of a trip is the simpler way to avoid the upper end of that range.
How many currencies can the account hold?+
The account holds 15 currencies, and the multi-currency and travel features are built around that set. That is enough for a common holiday itinerary but short of a specialist multi-currency account. For a long list of currencies, a dedicated account makes more sense.
Does the card allow free ATM withdrawals?+
Free ATM withdrawals amount to SGD 0, so cash is the part of the account most worth planning. Card purchases do not draw on that allowance. If you expect to need cash often, compare a card with a larger free allowance.
Which card network does it use?+
The card runs on mastercard and is a debit card, not a prepaid or virtual one. That makes it usable in the usual places wherever that network is accepted. It is a physical banking card rather than a crypto card, so it spends the balance in the account.
How do I get help if something goes wrong?+
Support runs through chat and phone channels, covering chat and phone. A phone line means the account is not dependent on in-app help alone. The mobile banking app sits alongside those channels for everyday account tasks.
Is Citibank Singapore Cards a crypto card?+
No. It is a debit bank card from Citibank Singapore Limited, based in Singapore, built for multi-currency everyday spending. It holds 15 currencies and carries no crypto feature. Readers wanting crypto spending should look at a card aimed at that use.
Who does this account suit?+
It suits people in Singapore who want a free debit card for daily spending and who travel holding more than one currency. Travellers paying in the local currency avoid the conversion charge. It suits a single market rather than people who move money across many currencies constantly.
Sources
- citibank.com.sg/footer/privacy checked September 26, 2026
Backs: Headquarters, Legal entity
“Citibank Singapore Ltd Attention: Standard Account Management Services Global Consumer Group Privy Box No. 920856 Singapore 929292”
- citibank.com.sg/gcb/citibank-global-wallet checked September 26, 2026
Backs: Free ATM withdrawals, Currencies, Features, Currency conversion fee
“Full transparency over how much you spend, plus fee-free withdrawals at Citibank ATMs”
- citibank.com.sg/personal-banking/debit-card checked September 26, 2026
Backs: Card type, Monthly fee, Card network
“Fast, Easy & Secure Transactions with Citibank Debit Mastercard”
- citibank.com.sg/personal-banking/online-services/mobile-b... checked September 26, 2026
Backs: Support channels
“Chat with us: Get help and support wherever you are ... via the CitiPhone hotline”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Related by the facts
Citibank Singapore Cards
Singapore residents who want a free multi-currency debit card for everyday spending and travel.