About the transition of Citi's Consumer Banking businesses and branch operations to UOB

Important Information To Note

Warm greetings from UOB.

We are delighted to connect and communicate with you during this transition period.

The migration of Citi’s Consumer Banking Business products and services will be carried out in phases. There will be no immediate change to the way you bank with Citi until migration is complete. At every point, we will provide clear communication to you about any changes to your products and services. It is our absolute ambition to complete this migration as seamless as possible.

Throughout the transition period, you may find updates and information here, and continue to be supported by Citi’s consumer teams until the migration is complete. You may still access and manage your Citi accounts as usual, using your existing Citi cards, app and services - including Citi Mobile® App, Citibank Online, CitiPhone®, ATMs and Citi branches, even after their rebranding to UOB ("former Citi branches”, listed here) from April 2023 onwards. During this transition period, Citi has provided UOB with a licence to use Citi trademarks in relation to Citi’s Consumer Banking business.

Key Milestones Ahead

November 2022
First day of legal ownership of Citi’s consumer banking assets and liabilities by UOB.

Citigold, Citi Priority and Citi customers with Citi Investment holding(s) will have access to our latest market insights.

Citigold customers can enjoy privileged access at over 13 UOB Privilege Banking Centres nationwide. Contact your existing Relationship Manager to pre-book.
January 2023
Citi Home Financing accountholders will begin receiving new Islamic Banking account details from UOB and a closing statement from Citibank in batches (January to April 2023).
May 2023
Citi Deposit, Loan and Investment accountholders will receive new UOB account(s) information.
July 2023
Citi Investment account(s) migration is complete and ready to perform investment transaction.

Citi Loan accounts migration is complete and will be operational.

Citi Deposit accounts migration is complete and are ready to perform transaction and payments to your Citi Credit Card(s) and Loan account(s).

Citi Deposit and Loan accountholders will receive closing statement(s) from Citibank.

Download UOB Mighty app to register for online banking services. For Citi Debit and Credit Cardholders, register using your existing Citi Debit or Credit Card number and PIN. For Citi Deposit (without Debit Card), Loan and Investment accountholders, please register with your new UOB account information.
August 2023
Citigold and Citi Priority portfolios migration to UOB Privilege Banking and Wealth Banking is complete. Start to access to services and benefits.

You will receive your new UOB Debit Card.
September 2023
You will receive your new UOB Credit Card(s).

Important Information

UOB UOB
ATM/Debit
Cards
UOB UOB
Banking Accounts
UOB UOB
Branch Operations
UOB UOB
Call Centre
UOB UOB
Cheque Book
UOB UOB
Credit Cards
UOB UOB
Credit Card Points
UOB UOB
Digital Services
UOB UOB
Interbank & Transaction
UOB UOB
Personal Data
Is there a cash withdrawal fee when I use my Citi ATM card to withdraw money at a UOB ATM and vice versa?
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Yes, there will be a RM1 charge for each cash withdrawal transaction. Existing fee waiver where applicable will continue as per current practice (i.e Citigold/Citi Priority will enjoy the 4x RM1 fee waiver monthly).
Can I continue to perform both local and overseas cash withdrawals with my Citi Debit Card?
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Yes, there is no immediate change to the way you withdraw cash with your Citi Debit Card.
Can I continue to operate my Citi Term Deposit, Current Account and Savings Account?
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Yes, you can continue to operate your Citi accounts as usual and there will be no change in your account number until further notice.
Can I open UOB Deposit accounts at former Citi branches and vice versa?
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You are encouraged to open UOB Deposit accounts at UOB branches or through the UOB Mighty App.
Will there be any former Citi branch closure or relocation?
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There is no former Citi branch closure or relocation. All branches will remain at the same location as of now until further notice.
Will there be any changes to my Citi Safe Deposit Box (SDB)?
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No, there will be no changes to your Citi SDB Standing Instructions, until further notice.
Can Citi customers purchase Manager's Cheque?
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Former Citibank has ceased issuing Manager's Cheque with effect from 1 February 2023 onwards.
Can I get UOB to assist on my issue with my Citibank account(s)/credit card(s) since you are all under the same bank now?
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Currently our systems are not fully integrated yet and we do not have access to your Citibank account(s) information to assist on your issues. Once we are fully integrated, we will be able to assist you directly. Please visit www.citibank.com.my for more information or you may contact the following for immediate assistance:

CitiPhone:
  1. 03-2383 0000 (KL)
  2. 04-296 0000 (Penang)
  3. 07-3406000 (JB)
  4. 1800-82-1010 (Sabah & Sarawak)
Or log in to Citibank Online to send a secure email and Citi will respond to you within 3 business days.
As a Citigold customer, should I continue to call the Citigold Service Line to attend to my Citibank account queries?
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Yes, please continue to call the Citigold Service Line or your Relationship Manager for any Citibank account queries, until further notice.
As a Citi Priority customer, should I continue to call the CitiPhone Service Line to attend to my Citibank account queries?
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Yes, please continue to call the CitiPhone Service Line for any Citibank account queries, until further notice.
Can I continue to issue Citibank retail cheques and will they be cleared as usual?
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Yes, you can continue to issue the cheques. However, do take note that the clearing of Citibank retail cheques will cease with effect from 1 July 2023.

You are encouraged to switch to online funds transfer, DuitNow or Interbank GIRO on Citibank Online or Citi Mobile® App.

You may contact CitiPhone (or your Relationship Manager for Citigold customer) for further assistance.
Will my Citibank retail cheques deposited into a UOB account be processed as a house cheque or a local cheque at UOB branches?
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Your Citibank retail cheques deposited into a UOB account will be processed as a local cheque.
Will I enjoy the same Citi Credit Card benefits and privileges upon migration to UOB?
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There are no changes to your credit card at the moment and as such, you will continue to enjoy the same benefits and privileges on your credit card. For example, for Clear Card, the one to one offer will continue to be featured. We will inform you ahead of time if there are any changes.
What is my credit card limit if I own both Citi and UOB Credit Cards?
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After the conversion of Citi Credit Cards to UOB Credit Cards, Citi customers who also hold UOB Credit Cards will have a combined credit limit of both cards. For example, a customer who holds a Citi Credit Card with a RM10,000 limit and a UOB Credit Card with a RM10,000 limit will have a new credit card limit of RM20,000. This is only applicable to consumer credit cards.

Do note that this is at the Bank's discretion in accordance with its governing policies and Bank Negara Malaysia guidelines. We will inform you ahead of time if there are any changes.
Will my Citi Credit Card Rewards points expire after converting to a UOB Credit Card?
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Your Citi Rewards points will be migrated together with your Citi Credit Card account to UOB and will remain evergreen (never expire). Upon migration, you can start making redemptions with our UOB UNIRinggit Rewards Programme.
As a Citigold/Citi Priority customer, will my online interbank transfer daily limit still be at RM50,000?
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Yes, your online interbank transfer daily limit will remain unchanged. We will give you prior notice if there are any changes.
As a Citigold/Citi Priority customer, will I still get RM4 fee rebate for my first 4 MEPS transactions monthly?
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Yes, your monthly first 4 MEPS transactions fee rebate will remain unchanged with your Citigold Debit Mastercard/Citi Priority Debit Mastercard.

We will give you prior notice if there are any changes.
Can I continue to access Citibank Online and Citi Mobile banking services?
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Yes, you can continue to access and use your Citibank Online and Citi Mobile banking services anytime.
Will my password to open secured emails received from Citibank remain the same?
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Yes, your password to open secured emails from Citibank remains the same, until further notice.
What will happen to my personal data during this migration period?
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Your privacy is important to us. During the migration period, your personal data will have the protection of UOB’s Privacy Notice ensuring customer’s information (including your personal, sensitive and credit-related information) is safeguarded accordingly. You may refer to UOB’s Privacy Notice for more details.
I’m an existing customer of Citibank Consumer Banking and will Citibank still have my personal data after the migration period?
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By virtual of the acquisition which is supported by the Court’s Vesting Order, Citibank’s Consumer Banking portfolio including your personal data will be vested over to UOB. Hence, your data will be protected by UOB’s Privacy Policy.

Frequently Asked Questions

UOB UOB
Banking
UOB UOB
Credit Cards
UOB UOB
Home Loans
UOB UOB
Loans
UOB UOB
Insurance
UOB UOB
Wealth Management
UOB UOB
Services
Banking
Can I continue to operate my Citi Term Deposit, Current Account and Savings Account?
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Yes, you can continue to operate your Citi accounts as usual and there will be no change in your account number until further notice.
Can I continue to perform both local and overseas cash withdrawals with my Citi Debit Card?
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Yes, there is no immediate change to the way you withdraw cash with your Citi Debit Card.
I have both Citi and UOB's Debit Card. Do I need to cancel my Debit Card?
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You do not need to cancel your Citi Debit Card. As the migration to UOB will not be immediate, you may continue to use both your UOB and Citi account(s) which will operate as usual.

When your Citi account(s) is migrated to UOB, you will be given prior notice before the migration commences.
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Credit Cards
I have both Citi and UOB's Credit Card(s). Do I need to cancel my Citi Credit Card?
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You do not need to cancel your Citi Credit Card. As the migration to UOB will not be immediate, you may continue to use both your UOB and Citi account(s) which will operate as usual.

When your Citi account(s) is migrated to UOB, you will be given prior notice before the migration commences.
Do I have to sign any UOB form or document for my Citi Credit Card account(s) to be migrated to UOB?
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No, there is no need to sign any UOB form or document as there are no changes to your Citi account(s) for the time-being. When the migration commences, your existing Citi account(s) will be automatically converted to UOB account(s). We will inform you ahead of time if there are any changes required.
What is my credit card limit if I own both Citi and UOB Credit Cards?
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After the conversion of Citi Credit Cards to UOB Credit Cards, Citi customers who also hold UOB Credit Cards will have a combined credit limit of both cards. For example, a customer who holds a Citi Credit Card with a RM10,000 limit and a UOB Credit Card with a RM10,000 limit will have a new credit card limit of RM20,000. This is only applicable to consumer credit cards.

Do note that this is at the Bank's discretion in accordance with its governing policies and Bank Negara Malaysia guidelines. We will inform you ahead of time if there are any changes.
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Insurance
Does this exercise change my insurance policy/takaful certificate number?
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There is no change to your insurance policy/takaful certificate number as the insurance policy/takaful certificate is a contract between you and the insurance company.
As a Citi customer, what changes do I need to expect for my insurance policy(ies) purchased through Citi?
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There is no impact to the existing insurance poliy/takaful certificate. Insurance is a strictly regulated business sector under the Financial Services Act (FSA) and Islamic Financial Services Act (IFSA). Our insurance partners/takaful operators remain committed to fulfilling their responsibility to protect our existing and new customers.

Any life or general insurance policy(ies) you have purchased through Citi is underwritten by a third-party insurer, and not by Citi or UOB Malaysia. The terms of the policy(ies) will stay the same, except any references to Citi will become references to UOB Malaysia.
Do I need to terminate/surrender my current insurance policy(ies)/takaful certificate(s)?
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Buying an insurance policy is a long term commitment. You should be aware that an early termination or policy surrender usually involves high costs and the surrender value may be less than the total premium paid. Insurance is a strictly regulated business sector. Our insurance partners remain committed to fulfilling their responsibility to protect our existing and new customers.

It is advisable for you to preserve the existing benefits and value of the respective insurance policy(ies)/takaful certificate(s). If you terminate now, it may be difficult or more expensive for you to get similar insurance coverage later on when you need it.
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Investments
Can I continue to operate my Citi Checking Account as usual?
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Can I walk into a UOB branch to transact with my Citi Checking Account?
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Can I open a UOB Current Account at a Citi branch?
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Home Loans
Will there be any change to my existing Citibank Home Loan/Financing rate?
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No, there will be no change to your rate, which is pegged to the prevailing Reference Rate i.e. Standardised Base Rate (SBR)/Base Rate (BR)/Base Lending Rate (BLR)/Base Financing Rate (BFR)/Fixed Rate (FR).

Please be assured, if there are any changes to the above, we will provide you with sufficient notice. You should continue to make your existing monthly instalment/payment into your loan/financing account.
Will there be any changes to my Citibank Home Loan/Financing account number?
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Your Citibank Home Loan/Financing account number will remain unchanged until further notice.
Is my Debit/ATM Card issued for Citibank FlexiHome still valid?
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Yes, it is still valid, until further notice.
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Loans
I have both Citi and UOB's Personal Loan. Do I need to cancel my Personal Loan?
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You do not need to cancel your Citi Personal Loan. As the migration to UOB will not be immediate, you may continue to use both your UOB and Citi account(s) which will operate as usual.

When your Citi account(s) is migrated to UOB, you will be given prior notice before the migration commences.
Do I have to sign any UOB form or document for my Personal Loan account(s) to be migrated to UOB?
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No, there is no need to sign any UOB form or document as there are no changes to your Citi account(s) for the time-being. When the migration commences, your existing Citi account(s) will be automatically converted to UOB account(s). We will inform you ahead of time if there are any changes required.
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Wealth Management
Can I continue to operate my Citi Investment Account?
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Yes, you can continue to operate your Citi Investment Account as usual and there will be no change in your account number, until further notice.

Note (For Bond Investment Account only): In order to ensure a smooth transition of your investment as part of the Business Transfer, Investment trade operations have to be temporarily suspended on all channels per below schedule. Please do not place any instruction for investment transactions including transfer of bonds via your existing Bond Investment Account(s) and rest assured there will be no impact to your existing investment account(s). You can place your investment instructions/transactions as normal after the suspension period ends.

Blackout Period:
  1. Subscription: 26 October – 31 October 2022
  2. Redemption: 27 October – 1 November 2022
  3. External Transfer of Custodian: 1 November - 2 November 2022
UOB and Citi reserve the right to notify customers on any future changes to the investment trade suspension period (or “blackout period”). UOB and Citi will not be liable for any direct and/or indirect losses and damages, arising out of or in connection with the suspension of investment trading systems as aforesaid.
I have a bond investment with Citi. Can I continue to hold my bond investment until maturity?
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Yes, you can hold your Citi bond investment until maturity.
Will I continue to receive investment publications and market updates from Citi?
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No, you will no longer be receiving investment publications and market updates from Citi but you can expect to receive investment publications and market updates from UOB.
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Services
As a UOB customer, can I update my personal information through Citi?
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No, you need to visit UOB branches to update your personal information as both banks' systems are not integrated yet.
As a Citi customer, can I update my personal information through UOB?
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No, you need to visit former Citi branches to update your personal information as both banks' systems are not integrated yet.
How many former Citi branches are there in Malaysia?
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There are currently 10 former Citi branches in Malaysia. Please refer to our Citi website for a list of locations.

During the Citibank Malaysia’s Consumer business transition period to UOB and while system integration is currently in progress, Citi Consumer customers with Citi branded accounts and services will continue to be served by Citi service team and through Citi channels.

These former 10 Citi branches will be rebranded to UOB signage effective April 2023 and there will be no impact to your banking services through Citi channels.
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You can also reach us via the following UOB Contact Centres:
Kuala Lumpur +603-26128 121
Penang +604-2401 121
Johor Bahru +607-2881 121
Kuching +6082-287 121
Kota Kinabalu +6088-477 121
UOB
As a reminder, UOB will never direct you to a website asking for your personal banking details, including OTP or Card PIN.
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