Citigold Review 2025: An Abundance Of Wealth Solutions For The Well-Heeled

Looking to grow your wealth with expert guidance and global privileges? Citigold could be the priority banking experience you’ve been waiting for.

For affluent individuals who want more than just a bank account, Citigold offers a comprehensive suite of wealth management services, global banking access, and exclusive perks tailored to support your financial goals. Whether you're growing a portfolio, protecting generational wealth, or simply want better value from your cash, Citigold gives you access to a Relationship Manager, financial specialists, and a curated set of benefits both in Singapore and abroad. Let’s explore whether this premium programme is the right fit for you.

SingSaver’s take

Citigold is one of the most globally connected and advisory-rich priority banking programmes in Singapore. With a relatively accessible minimum AUM of S$250,000, it’s ideal for affluent individuals looking for a personalised wealth experience without entering ultra-high-net-worth territory. Its strongest advantages lie in global continuity, dedicated financial advisory, and access to a wide range of investment products powered by Citi’s global research. While not every investor may need this level of service, those with international financial needs or long-term portfolio goals will find substantial value here.

Read full review

Citigold is Citibank’s priority banking proposition, designed for individuals who maintain at least S$250,000 in their Citibank account (cash, investments, or insurance combined). Once you qualify, you gain access to a team of financial professionals, including a Relationship Manager and Investment Consultant, who can help with everything from portfolio diversification to retirement planning.

Beyond advisory services, Citigold clients enjoy preferential rates on fixed deposits, home loans, and currency exchange. You'll also receive access to exclusive lifestyle events, promotions, and privileges through the Citi ThankYou Rewards programme. For those who frequently travel or manage cross-border finances, Citigold offers seamless banking across countries with the same benefits carried over to eligible Citibank branches globally.

To get the most out of your Citigold relationship, consider pairing it with a high-interest account such as Citi Wealth First Account or Citi Interest Booster Account. For spending, cards like the Citi Prestige or Citi PremierMiles offer good synergy with your banking relationship, including better rewards and travel perks.

In Singapore, an Accredited Investor (AI) is someone who meets certain wealth thresholds — such as having net personal assets of over S$2 million or income above S$300,000 annually. Declaring AI status allows access to a wider range of investment products, including structured products and pre-IPO opportunities.

For Citigold clients, becoming an Accredited Investor can enhance your investment capabilities by unlocking products not available to retail investors. However, it also means less regulatory protection, so this decision should be made carefully in consultation with your Relationship Manager.

#1: Holistic wealth advisory services

One of the key draws of Citigold is its advisory model. You’ll receive a structured financial review tailored to your needs, goals, and life stage. Whether you're planning for your child’s education, diversifying into global markets, or preparing for retirement, your dedicated Relationship Manager will coordinate with a team of specialists to offer personalised strategies.

The Citigold Total Wealth Advisor tool also provides an integrated dashboard view of your assets and progress toward your goals, making it easier to track, plan, and adjust when needed. It’s a full-service approach that combines insights, forecasting, and risk analysis in one place.

#2: Ability to enhance your investment portfolio

Citigold clients have access to a broad suite of investment products, including unit trusts, bonds, equities, and foreign exchange. You’ll also receive curated market insights and investment strategies from Citi’s global research team — a key differentiator for those who want to make informed decisions.

Clients can also benefit from Citi’s model portfolios based on risk profiles, as well as exclusive access to new investment products and thematic opportunities that may not be available to regular retail clients.

#3: Retention of Citigold status worldwide

For frequent travellers or expatriates, Citigold’s global footprint is a major advantage. Once you’re a Citigold member, your privileges extend to over 30 countries with Citigold presence. This means you can walk into a Citibank branch in Hong Kong, London, or New York and receive priority service and access to global wealth insights.

Your Relationship Manager in Singapore can also liaise with overseas teams to coordinate account management or wealth transfers. It’s an ideal setup for globally mobile individuals who require seamless banking across borders.

#4: Preferential rates and services

Citigold offers preferential rates on a range of financial services from foreign currency conversions to mortgage loans and time deposits. These enhanced rates allow your funds to work harder without additional risk.

Here’s a snapshot of how you can earn interest via Citigold accounts:

#5: Other exclusive offers and lifestyle privileges

Citigold isn’t just about wealth — it’s also about lifestyle. Members enjoy a curated selection of offers in travel, dining, wellness, and entertainment. These perks are regularly refreshed and may include:

• Complimentary airport lounge access via Citi Prestige

• Priority hotel check-ins and upgrades at participating luxury brands

• Dining discounts at select fine-dining restaurants in Singapore

• Invitations to client-only experiences such as wine tastings or investment seminars

These lifestyle perks add tangible value to your banking relationship, especially if you enjoy finer experiences or frequently travel for business or leisure.

Citigold is ideal for individuals with significant financial assets who want expert support in managing and growing their wealth. 

Recommended for:

1. Established professionals – Mid-career executives earning high incomes and planning long-term wealth goals like property investment, retirement planning, or their children’s education.

2. Business owners – Entrepreneurs who want to park idle cash, manage cross-border banking, or access curated investment options.

3. Globally mobile individuals – Frequent travellers or expats who want consistent priority banking and investment support across countries.

Not ideal for:

1. Young professionals just starting out – If you’re still building up your savings and haven’t hit S$250,000 in assets, Citigold may be premature.

2. Minimalist savers – If your goal is just to park cash in a high-interest account without needing advisory services, simpler options may suit you better.

3. DIY investors – If you prefer managing your own investments through brokerages, the value of Citigold’s advisory and bundled services may not justify the commitment.

Choosing a priority banking relationship depends on your needs — whether you value global reach, digital tools, or investment access. Let’s compare Citigold to a few close contenders.

>> MORE: A full guide to priority banking in Singapore

HSBC Premier

Both Citigold and HSBC Premier require S$250,000 in AUM, but HSBC leans more towards global family banking, with features like Premier for Children and wider coverage of countries for expats. However, Citigold’s wealth tools and market research capabilities may offer a stronger edge for investment-focused users, especially with Citi’s strong research network and access to global model portfolios.

>> MORE: HSBC Premier review 2025

DBS Treasures

DBS Treasures requires S$350,000 AUM, slightly higher than Citigold’s threshold. It offers a highly digital experience with tools like NAV Planner, and strong regional market access. However, Citigold’s global status retention and overseas servicing may give it the upper hand for clients with international needs, while DBS may appeal more to those invested in the Southeast Asian region.

>> MORE: DBS Treasures review 

Standard Chartered Priority Banking

When compared to Standard Chartered Priority Banking, Citigold stands out for its stronger global integration and investment-focused approach. While both require a similar AUM threshold of around S$200,000 to S$250,000, Citigold offers a more comprehensive suite of investment tools, including access to Citi’s global research, model portfolios, and the Citigold Total Wealth Advisor platform. In contrast, Standard Chartered leans more towards digital-first convenience and lifestyle perks, such as multi-currency accounts and unlimited lounge access via the Visa Infinite card. For clients prioritising wealth growth and international advisory support, Citigold may offer more depth, whereas Standard Chartered is better suited for those seeking flexibility and premium lifestyle experiences.

>> MORE: Standard Chartered Priority Banking review 

There are no monthly account fees for maintaining a Citigold account. However, you must maintain the minimum AUM of S$250,000 to retain your status. Falling below this threshold for more than 3 consecutive months may lead to a downgrade to regular Citi banking and removal of Citigold privileges.

Other standard charges, like brokerage fees, foreign exchange spreads, or investment product charges, still apply and will depend on the product or transaction involved.

You can apply for Citigold online through Citibank’s website or visit a Citibank branch in Singapore. The application process typically involves submitting proof of assets or transferring funds to meet the minimum S$250,000 requirement. A Relationship Manager will be assigned to guide you through the onboarding process, risk profiling, and customising your wealth management plan.