A Citibank Time Deposit* offers you the freedom and convenience of:

• earning competitive interest rates;
  
• switching currencies during the period of your deposit;
  
• withdrawing a part of your deposit whenever you need it .

A Citibank Time Deposit gives you the assurance that your money is not tied up while earning interest at competitive rates should an investment opportunity or sudden crisis appear. You can free cash from your time deposit immediately without losing all the interest you have earned

The freedom to switch currencies
You can always be ready to take advantage of foreign exchange opportunities by switching currencies** as often as you like. The usual penalty for stopping a deposit is waived when you switch currencies and place the funds back into another Time Deposit with the original maturity date or longer.

** This feature does not apply to Singapore Dollar deposits.

No hefty penalties
If you need to pre-terminate your deposit, you pay a fee only on the amount withdrawn. And you'll still earn interest on the withdrawn amount for the whole time it had been on deposit, which can be used to offset the cost of pre-termination fees.

Generous choice of currencies and tenures
A Citibank Time Deposit is available in any of the major currencies:

1 week, 1 month, 2, 3, 4, 6, 9 and 12 months

In addition, an automatic overdraft can be extended to you with your Time Deposit as Collateral.

*Important:
Time Deposit without unfixed feature: SGD Time Deposit and Time Deposits during periods of interest rate volatility.

Foreign currency investments are subject to rate fluctuations which may provide both opportunities and risks. You may experience a loss when you convert foreign currency back to your home currency. Exchange controls maybe applicable from time to time to certain foreign currencies. You should therefore determine whether any foreign currency investment is suitable for you in the light of your investment objectives, your financial means and your risk profile.