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General Terms & Conditions - Citi UK

Terms and conditions

For Citi International Personal Banking clients, please click here for Terms and Conditions, fees and other important information.

If you receive Safeguarding Services only, the documents that apply to you are set out under the section entitled "Documents applicable to clients receiving Safeguarding Services only".

We regularly update the documents governing our clients’ accounts, please find below those currently in effect:

* Please note the changes to the ‘General Terms and Conditions for Citi Current Accounts and Savings Accounts’ will come into effect on 7 October 2024 with the exception of the removal of access to Faster Payments which will come into effect on 30 October 2024. You can find out more details about this here.

We are updating our Terms and Conditions to reflect certain regulatory changes and changes to the way we operate your account(s). The following documents have been updated to reflect the changes set out in the guide to changes found here.

If you have received a communication from us in July/August 2024 regarding changes to documents governing your investments, please see the below terms and conditions.

If we have further contacted you in October 2024 informing you that from 23 December 2024 we will be moving you to Safeguarding Services only, these terms and conditions can be found below under the sub-section entitled “Terms & Conditions coming into effect on 23 December 2024”.

If you already receive Safeguarding Services only (since 12 August 2024), the documents that apply to you are set out under the section entitled "Documents applicable to clients receiving Safeguarding Services only".

We regularly update the documents governing our clients’ accounts, please find below those currently in effect:

* Please note the changes to the ‘General Terms and Conditions for Citi Current Accounts and Savings Accounts’ will come into effect on 7 October 2024 with the exception of the removal of access to Faster Payments which will come into effect on 30 October 2024. You can find out more details about this here.

We are updating our Terms and Conditions to reflect certain regulatory changes and changes to the way we operate your account(s). The following documents have been updated to reflect the changes set out in the guide to changes found here.

If we have contacted you in October 2024 informing you that we are changing the terms of our agreement with you to enable us to provide you with a limited service (the “Safeguarding Services”), copies of the important documents can be found below.

These changes are being made to ensure your investments continue to be safeguarded until such time as the investments are sold, transferred or otherwise disposed. This is permitted under both the General Terms and the Terms of Business (versions effective from 7 October 2024).

You should note that we are providing the Safeguarding Services for the period your investments remain unsold. We retain the right to close your Account(s) on 60 days’ notice and to subsequently sell your investments where you have not instructed us to transfer them, in accordance with clauses 1.5.4 and 1.5.5 of the Terms of Business.

The new terms (the "Safeguarding Cash Account Terms" and the "Safeguarding Investment Terms", together, the "Safeguarding Terms"), set out the contract terms that will apply to your Account(s) from 23 December 2024. Please note services on your Account(s) will be limited to those required to safeguard your investments as described in the accompanying summary.

The Safeguarding Cash Account Terms supersede the General Terms and the Safeguarding Investment Terms supersede the Terms of Business. However, we recommend you keep a copy of the General Terms and the Terms of Business that apply to you, as some of the provisions of the existing terms are incorporated into the Safeguarding Terms. You will need to have a copy of both the existing documents as well as your new Safeguarding Cash Account Terms and the Safeguarding Investment Terms in order to understand what contractual terms apply.

For ease of reference, we have summarised the key changes to each set of terms in the Guide to Changes which we recommend you read carefully.

If we have contacted you in May/June 2024 informing you that we are changing the terms of our agreement with you to enable us to provide you with a limited service (the Safeguarding Services), copies of the important documents can be found below.

These changes are being made to ensure your investments continue to be safeguarded until such time as the investments are sold, transferred or otherwise disposed. This is permitted under both the General Terms and the Terms of Business (versions effective from 9 April 2024).

You should note that we are providing the Safeguarding Services for the period your investments remain unsold. We retain the right to close your Account(s) on 60 days’ notice and to subsequently sell your investments where you have not instructed us to transfer them, in accordance with clauses 1.5.4 and 1.5.5 of the Terms of Business.

The Safeguarding Cash Account Terms and the Safeguarding Investment Terms, together, the Safeguarding Terms set out the contract terms that will apply to your Account(s) from 12 August 2024. Please note the Safeguarding Cash Account Terms have been updated to reflect a new consumer protection regulation for victims of Authorised Push Payment (APP) scams that became effective from 7 October 2024. For more information, please refer to the notice we have provided. Please also note services on your Account(s) will be limited to those required to safeguard your investments as described in the accompanying summary.

The Safeguarding Cash Account Terms supersede the General Terms and the Safeguarding Investment Terms supersede the Terms of Business. However, we recommend you keep a copy of the General Terms and the Terms of Business that apply to you, as some of the provisions of the existing terms are incorporated into the Safeguarding Terms. You will need to have a copy of both the existing documents as well as your new Safeguarding Cash Account Terms and the Safeguarding Investment Terms in order to understand what contractual terms apply.

If you receive Safeguarding Services only, you are no longer eligible for Travel Insurance.

Travel Insurance is provided by Chubb European Group SE (CEG).

This policy does NOT provide cover for medical conditions which the insured person has been diagnosed with, sought treatment for, is on prescribed medication for, or attended hospital for.

If the above applies to anyone travelling, and they would like to have such conditions covered, they may be able to get cover for their existing medical conditions by visiting the MaPS (Money and Pensions Services) https://traveldirectory.moneyadviceservice.org.uk/en or calling + 44 (0) 800 138 7777. This directory lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions that our Travel Insurance may not cover.

Please be aware that cancellation cover may not be available for all travelling individuals in your group if you/they are insured under separate policies.

FSCS

Your eligible deposits with Citibank UK Limited are protected by the Financial Services Compensation Scheme (FSCS). Your eligible deposits with Citibank UK Limited are protected up to a total of £85,000 by the FSCS. Further details can be found by clicking here. Alternatively, details of the scheme can be found on the FSCS website at www.fscs.org.uk/ or in the FSCS Leaflet.

This limit is applied to the total of any deposits you have with the following: Citi, Citibank and Citi International Personal Bank which are trading names of Citibank UK Limited. Any total deposits you hold above the limit between these brands are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.

Summary of changes

Changes to our ‘General Terms and Conditions for Citi Current Accounts and Savings Accounts’

ATMs

From 11 August 2018, you will no longer be able to deposit a cheque or foreign currency cash at Citi UK ATMs. You will still be able to use our ATMs to withdraw Pounds (GBP), US Dollars and Euros and deposit cash in Pounds (GBP). You’ll also continue to be able to deposit cheques by sending them to the following address: Citibank UK Limited, UK Branch, PO Box 4012, Swindon, SN4 4JZ.

We have updated Condition 10.4 of our General Terms and Conditions for Citi Current Accounts and Savings Accounts to reflect these changes, effective 11 August 2018.

Irish Ombudsman

We have also updated Condition 36.4 of our terms and conditions with the new contact details for the Irish Ombudsman, which is now called the Financial Services and Pensions Ombudsman (FSPO), previously known as the Financial Services Ombudsman.

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Summary of changes

Changes to our ‘General Terms and Conditions for Citi Current Accounts and Savings Accounts’

ATMs

From 11 August 2018, if you wish to deposit a cheque or foreign currency cash at a Citi UK ATM, this service will only be available at our Citigold Lounge at 33 Canada Square, Canary Wharf, London, E14 5LB between the hours of 09:00-18:00 Monday to Friday.

You will still be able to use our ATMs at other Canary Wharf locations to withdraw Pounds (GBP), US Dollars and Euros and deposit cash in Pounds (GBP). For cheques, you can continue to send them to the following address: Citibank UK Limited, UK Branch, PO Box 4012, Swindon, SN4 4JZ.

We have updated Condition 10.4 of our General Terms and Conditions for Citi Current Accounts and Savings Accounts to reflect these changes, effective 11 August 2018.

Irish Ombudsman

We have also updated Condition 36.4 of our terms and conditions with the new contact details for the Irish Ombudsman, which is now called the Financial Services and Pensions Ombudsman (FSPO), previously known as the Financial Services Ombudsman.

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The Investment Costs and Charges Illustration effective 11 July 2018 has been updated to clarify that we charge different fees depending on whether you purchase investment products with us online or directly with us via telephone. The Investment Costs and Charges Illustration shows the impact those fees may have on the potential return of your investment. Please be assured these fees have not changed and are also set out in our current Key Facts document.

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Citibank UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our firm's Financial Services Register number 805574. Citibank UK Limited is a company limited by shares registered in England and Wales with registered address at Citigroup Centre, Canada Square, Canary Wharf, London E14 5LB, Companies House Registration No. 11283101. Citibank N.A., Jersey Branch is regulated by the Jersey Financial Services Commission. Citi International Personal Bank is registered in Jersey as a business name of Citibank N.A. The address of Citibank N.A., Jersey Branch is P.O. Box 104, 38 Esplanade, St Helier, Jersey JE4 8QB. Citibank N.A. is incorporated with limited liability in the USA. Head office: 399 Park Avenue, New York, NY 10043, USA.© All rights reserved Citibank UK Limited and Citibank N.A. (2024). CITI®, CITI and Arc Design® are registered service marks of Citigroup Inc. Calls may be monitored or recorded for training and service quality purposes.

Investments are not bank deposits, and are neither obligations of, nor guaranteed by, Citigroup, or any of its affiliates, unless otherwise stated. They are subject to investment risks, including possible loss of the principal amount invested. Past performance is not indicative of future results; investments can go down as well as up.

All products and services offered by Citi International Personal Bank are subject to terms and conditions and you must agree to be bound by them before we can offer any product or service to you. Some products and services may not be available in certain jurisdictions. This website is not intended for distribution to, or use by, any person in any country where such distribution or use would be contrary to local law or regulation and none of the services or investments referred to in this website are available to persons resident in any country where the provision of such services or investments would be contrary to local law or regulation. You should consult your professional advisers as to whether you require any governmental or other consents or need to observe any formalities to enable you to utilise or purchase the products and services described on this website.