Citibank Access Account Review

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1.7 stars
Average rating for this product is: 1.7 out of 5

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tropical bird's Review of Citibank Access Account

22nd Oct 2008

Overall Rating

3.5 stars
  • Customer Service
    3 stars
  • Ease of use
    3.5 stars
Good Points

Fee Free (& generally same day) global transfers to citibank accounts worldwide.
1000 pounds withdrawl limit through citibank ATMs
500 pound fee free overdraft. (if you are credit worthy).


Bad Points

Branches & Citibank ATMs only in London.


General Comments

I opened my Citibank Access Account primarily so that I would have access to my money worldwide. The other big rival HSBC was not offering free global transfers like Citibank. Also since I have a Citibank account in India, my money would be freely accessible in Citibank ATMs in India without having to worry about transferring every time I needed it by paying only the conversion fee.
The account opening procedure was quick and painless; I had a personalised T&C booklet sent out in the welcome pack. And the debit card & all the PINS, (ATM, Internet & telebanking) all came out as soon as the application was processed (all within 2 weeks).
I receive my monthly statements on time and cheque book was issued on request. All standing orders & direct debits were taken care of with the form that arrived in the welcome pack, I'm glad I made the move as now I need not worry when I travel across the world, as long as I can find a Citibank ATM, I ' m sorted with regards to cash.
I have only one grudge against Citibank especially since I live in Scotland, is that they have branches primarily only in London. This means I can only access my account online and at best check balances & withdraw money at LINK ATMs elsewhere in the UK. My salary is paid directly into my account but for people who deposit cheques into their account; these can be paid into any Lloyds TSB branch throughout the UK.
This hasn ' t been a problem but for people who like to visually see their bank, and transact at their branches to give them a sense of security with regards to their finances, Citibank would be good only if you work in central London.
Overall I ' m a satisfied customer so far, especially over the last few months hearing about the instability of other UK banks, citi hasn ' t been wobbling and in any case it is regulated by the FSA and the FSCS protection of 50 grand applies to its accounts.

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