I opened a Citibank Plus account because it has zero transaction fees for international transactions (ATM withdrawal etc).
The application process was incredibly difficult and my documents were lost. The card was supposed to be sent express post because by the time they process my application (4 weeks) I only had 2 weeks before I was going away on holiday. The card did not arrive at all and I had to spend another week chasing it. The call center staff are extremely unhelpful and do not have an escalation process. The complaints department is the same customer service section so nothing is ever escalated or resolved.
They promised to send out my card same day service so I would have it before I left overseas... That same day service actually took 2 full days after I requested it because they didn't put the request in until too late. The only reason I have my card is because of the helpful people at the courier service.

Once I received my card and I activated it they told me I couldn't use it because my paperwork wasn't done properly... They were the ones that had done it!! Extremely disappointing service from call center and branch staff. They also use outdated 'one time pin' authentication that they don't send through wifi which means you cannot log on to your online banking without having your mobile phone working (when overseas this means roaming) Will avoid in future for all services.

Absolute rubbush. I had a credit card with CitiBank few years ago. Probably the worst thing i did. I went across to an Amex which even though you sometimes have to pay a surcharge is fantastic. I tried for months to close out the account after paying what i owed on the card. After a year of repeat letters stating i hadn't, i issued to them statements showing i paid in full the account, and it was supposedly closed out.

Two years later i get a letter stating i still hadnt paid my account! I hadnt heard from them, received any letters in between, but somehow i still owed them money. I have apparently rectified the mishap, but thats what happened last time. Oxygen theives.

Can I give a zero starts review? Even one is too many. Had the BP Card which was good value, but they stopped the program, so I called to try and cancel the card. The process is just soo tiresome. No help at all from the customer service person I spoke to. They tried to put me to a customer relationship person but the lines were bsuy. After a 5 minute wait they still coukld not put me through. To get a call back would be between 3 -5 DAYS!!!!

Stay away from them!

Citibank made a mistake on my account, they admit it was their error. But even though I tried to resolve it straight away, they still called me after 9pm on several occasions, called me on ANZAC day, called me on the public holiday Queens Birthday and each time it was for the same thing - an error they created and would not fix up. I would say over 12 hours of my life was wasted explaining the same thing again and again.

Worse bank I have ever dealt with having call centres overseas doesn't exactly help things, as they don't care what time they call you here in Australia and are actually quiet rude and demanding!

The Citibank group has a lot to offer but it seems that most things need to be done via the internet or phone. I went into the bank to ask for a statement print out and they were unable to access my account and print out the statement. It seems crazy that banks are no longer able to assist you.

Bank has so much promise, but just won't deliver. Indian call centre is efficient, but offers no flexibility. Solid products.

I applied for a new citibank low-rate mastercard (the one they have been advertising on TV with 1.9% interest) and was appalled at the way I was treated. Despite having faxed through all the documents they originally requested (and there were a lot of them) they constantly rang me saying they needed more information, at night and during the day, despite me telling them not to ring me at work. They also rang my employer quite a few times and demanded that she tell them personal details about me, when they only needed to know how much I earned. I could not believe the questions I was being asked, mostly by Indians who I had trouble understanding. I applied for a mortgage several years ago and the process was simpler! I eventually lost my cool after I received another late night phone call while out with friends asking for documents I had already sent weeks earlier and told them to cancel my application, just not worth the hassle.

I had to open a click bank account for one of the survey sites that i joined, I'm not sure if i can add or withdraw funds to my account as i only have an Australian bank account. I only opened it to claim all of the money that i was going to get paid for doing surveys. HAHA

I opened a ready credit account. They took nearly two months to create an account and without a business center you were always talking to foreign telephone answerer's. Very disappointed with there service.

I have a personal credit card with Citibank - They are pretty good and understanding if you have a late payment or you need to work something out with them.
Applying was easy and quick as well.
The staff are very friendly.
The interest rate is one of the best I've seen and I'm never surprised at the interest on my bill each month like I have been in the past. It's really very reasonable.