Citibank Maxigain Savings Account

[hlw8888]

hi guys, i got a step up acct with citibank for a few yrs. is it better to switch over to maxigain acct? i am abit lazy type of person, so is this maxigain acct good to earn interests without having to think too much abt fulfilling certain requirements? currently i am crediting my salary into citibank.

 

[shpesft]

You should change. Citibank Step up account max interest is 0.13% per annum. The Maxigain is at least 0.8% per annum at base interest and will step up to at least 2% by 1 year.

However, it also depends on what you are using your Citibank account for. If it’s just to keep extra cash, then it’s okay. If it’s for a savings account for day to day usage, do consider other accounts like UOB One, BOC smartsaver, DBS multiplier, Maybank Saveup etc. Even CIMB FastSaver which you don’t have to do anything to hit higher interest gets you 1% per annum.

hi guys, i got a step up acct with citibank for a few yrs. is it better to switch over to maxigain acct? i am abit lazy type of person, so is this maxigain acct good to earn interests without having to think too much abt fulfilling certain requirements? currently i am crediting my salary into citibank.

 

[JuniorLion]

hi guys, i got a step up acct with citibank for a few yrs. is it better to switch over to maxigain acct? i am abit lazy type of person, so is this maxigain acct good to earn interests without having to think too much abt fulfilling certain requirements? currently i am crediting my salary into citibank.

It's a good account. note that you cannot withdraw money from it if you want your interest rates to grow over time.

 

[Perisher]

Can withdraw but need to be careful about the month to month lowest amount day.

 

[compro_1975]

Anyone got issue entering Citibank portal?

 

[Perisher]

Anyone got issue entering Citibank portal?

Desktop or mobile?

 

[Froggyman]

Read thru some of the latest page,

Can i confirmed that I dont need to apply a credit card in order to open the maxigain account?
Just need to apply a ATM/debit card will do.
Just wish to clarify in case kanna smoke by citi bank staff.

thanks.

 

[Buzy_bee]

Read thru some of the latest page,

Can i confirmed that I dont need to apply a credit card in order to open the maxigain account?
Just need to apply a ATM/debit card will do.
Just wish to clarify in case kanna smoke by citi bank staff.

thanks.

I have Maxigain account without any citibank cc

 

[flikmy]

I have Maxigain account without any citibank cc

Same here. Opened at Raffles Place branch.

 

[rottingapple]

Read thru some of the latest page,

Can i confirmed that I dont need to apply a credit card in order to open the maxigain account?
Just need to apply a ATM/debit card will do.
Just wish to clarify in case kanna smoke by citi bank staff.

thanks.

Dont need Cc card to open maxigain.

 

[molangtsum]

If I want to open a single and a joint maxigain account, do I have to put minimum 15k in both accounts?

Cos 10k is enough to get the interest already but need 15k for no fall-below fee

But joint account is 2 names, does that mean need minimum 30k?

 

[Sinkie]

If I want to open a single and a joint maxigain account, do I have to put minimum 15k in both accounts?

Cos 10k is enough to get the interest already but need 15k for no fall-below fee

But joint account is 2 names, does that mean need minimum 30k?

I checked already, is need to maintain $15,000 each as joint account is 1 entity and single account is another entity

 

[oleyAeon]

I checked already, is need to maintain $15,000 each as joint account is 1 entity and single account is another entity

You meant each account is 15k to avoid fall below fee?
I dint know there is such a minimum deposit of 15k? All along i thot only need 10K for citi maxigain, be it joint or individual.

Can anyone double confirm this?

 

[Perisher]

You meant each account is 15k to avoid fall below fee?
I dint know there is such a minimum deposit of 15k? All along i thot only need 10K for citi maxigain, be it joint or individual.

Can anyone double confirm this?

Confirmed many times le. Opening account is 10k but fall below is 15k, waived for first few month only.

 

[Sinkie]

You meant each account is 15k to avoid fall below fee?
I dint know there is such a minimum deposit of 15k? All along i thot only need 10K for citi maxigain, be it joint or individual.

Can anyone double confirm this?

Gg, you got deducted how many times fall below fee?

 

[iwanthp]

Do you all remember what form it was that they "forget" to ask you to sign? Best if anyone remembers how many forms to sign for the maxigain account can share with newer users so that they wont get into this SHITuation.


I feel they maybe troll you by incomplete form filling/fill wrong birthday because U never open credit card with them.

anyone can tell more about this too? like if you guys remember what/how many forms there were? thankssss

 

[emo3lmo]

Got a call this morning from Citi that the missing 3 counters and the interests will be credited next week.

U guys received the 3 missing counter interest?

 

[Buzy_bee]

U guys received the 3 missing counter interest?

Not yet. They haven't replied my call too. Emailed them and got standard reply that they looking into this. Followed up after one week and still no update.

 

[oleyAeon]

Gg, you got deducted how many times fall below fee?

haha.. i never knew cus my initial deposit already >15k

 

[shpesft]

Just checking: are we able to open a joint Maxigain account if both persons have their own Single account? I tried to open a joint account today and was told I cannot open a joint Maxigain account as both of us have our individual single Maxigain account