Citibank Savings Account Review

Traditional Citi savings with tiered APY based on package and balance. Independent Citibank Savings Account review: 3.3/5 for big bank savings.

By Michael Hewitt, Founder & Editor-in-Chief.

Our verdict

Travelers and Citigold clients who value global ATM access more than yield are the fit: the rate runs 0.03% to 0.12% APY depending on package and balance. Higher tiers need $30K or more to waive fees and earn the better rate. That minimal base rate is what keeps it low.

Skip it if you want a real savings rate, or won't keep $30K or more there to reach the top tiers.

About Citibank Savings Account

Traditional Citi savings with tiered APY based on package and balance. Citibank Savings Account is offered by Citibank, N.A. Our editorial rating is 3.3 out of 5.

Best for: International travelers and Citigold clients.

Editorial grade: C+ (composite score 65/100).

Highlights

• 0.03%–0.12% APY depending on package and balance tier (as of July 2026)
• 650+ branches nationwide plus 65,000 fee-free ATMs
• $4.50 monthly fee on Access Account (waivable with $500 balance)

What we like

• Global ATM access including international partners
• Citi Priority and Citigold packages unlock higher rates
• Strong digital tools and Zelle support

Where it falls short

• Base APY is minimal compared to online HYSAs
• Fewer domestic branches than Chase or BofA
• Top tiers require $30K+ to waive fees

Fees, minimums, and rates

Monthly fee: $4.50/month (waivable). Minimum to open: $0. Current APY: 0.03%–0.12%. Rates and promotional offers change often, so check the provider's own page before you apply.

How we reviewed it

This is a desk review: we have not opened an account with Citibank, N.A.. It is built from Citibank, N.A.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Big Bank Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

The bank behind this account

• Citibank, FDIC certificate 7213: capital, loan quality, every office and the complaint record.

Similar products to compare

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Read our full editorial methodology for how we review products.