Most Exclusive Card

World Elite Debit MasterCard®

With the most prestigious among all MasterCard cards, Clitigold Private Client gets:

  • Priority Pass card - unlimited access to more than 700 partner lounges worldwide
  • Free travel insurance (also for their loved ones living at the same address)
  • Concierge services
  • Support in case of card lost
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Investment advisory

Investment Advisory on Foreign Equity Markets

As part of the Individual Brokerage Services offered by Dom Maklerski Banku Handlowego S.A., Citigold Private Clients have access to capital market products and services, including Investment Advisory on Foreign Equity Funds of more than 20 International Stocks (recommendations as of 2016).

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Investments

Products under closed-end subscriptions

We offer Citigold Private Clients a wide selection of structured products which, at the request of the Client and based on the indicators preferred by the Client, will be tailored to individual needs and expectations.

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Benefits and priveleges

Prestigious privileges and partners

With Citibank World Elite MasterCard, Citigold Private Clients gain access to privileges and special offers such as:

  • Limousine service to/from an airport within Sixt Limousine Service,
  • Free five-day BMW test drive
  • Free stylist consulting services at La Mania boutique or at Vitkac Fashion House
  • Sommelier service - advisory and support in choosing wines
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Unique benefits

Best conditions on Citi Handlowy bank products

Citigold Private Clients get the most competitive conditions on all Citi Handlowy products:

  • Best interest rates on Dual Currency Investments
  • Best currency exchange rates
  • Best offer on Saving Account
  • Lowest interest rates on Mortgage Loans
  • A Citigold Account for spouse or child with no operating fee for 3 years
  • Citibank World Elite MasterCard Ultime Credit card free of annual fee
Support and service

The most experienced financial professionals at Citi Handlowy

Superior services within Private Banking are guaranteed by a Relationship Manager in the rank of Director and support of the team of the most experienced financial professionals at Citi Handlowy. During each meeting at Citigold Private Client branch, you can get support provided by:

  • Citigold Private Client Relationship Manager
  • Portfolio Counselor
  • Foreign Exchange Market Expert
  • Business Adviser
  • Bond Consultant
  • Personal Broker at Dom Maklerski Banku Handlowego S.A.

Citigold Private Client

Top class account

Citigold Private Client offer has been created specifically for individuals seeking a unique and personalized wealth management support. It is intended for Clients maintaining their monthly combined average account balance at a minimum PLN 3,000,000

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If you have questions about the offer, or want to become a client Citigold Private Client you can do it here.

Investment and insurance products are available exclusively to the holders of bank accounts at Citi. Investment products, including investment funds, are neither a deposit nor an obligation, and they are not guaranteed by Bank Handlowy w Warszawie S.A. or any of Citigroup subsidiaries or affiliates, save for the investment products issued or guaranteed by Bank Handlowy w Warszawie S.A. or a Citigroup subsidiary or affiliate. In the case of investment products, the issuer of the investment product is under the duty to protect the capital and/or to guarantee interest, if applicable.

The investment products offered by the Bank are not guaranteed by the State Treasury, the Bank Guarantee Fund (except for the amounts due under bank securities and dual currency investments covered by the statutory cash guarantee system pursuant to the provisions of the Act of 14 December 1994 on the Bank Guarantee Fund) or any other government institutions.

The investment products offered by the Bank are not guaranteed by the State Treasury, the Bank Guarantee Fund (except for the amounts due under bank securities and dual currency investments covered by the statutory cash guarantee system pursuant to the provisions of the Act of 14 December 1994 on the Bank Guarantee Fund) or any other government institutions.

Investment products carry an investment risk, including the possibility of loss of the capital invested. When making a decision to buy or sell an investment product, the Client shall consider the risk inherent in the investment decision, in particular the possibility of changes in pricing of the financial instruments constituting the object of that decision against the Client’s expectations and the resulting failure by the Client to generate the planned profit.

The sums payable under insurance contracts are secured by the Insurance Guarantee Fund to the extent defined by the Act of 22 May 2003 on mandatory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers Bureau (the Act on Insurance Guarantee Fund). This means that when the Insurer becomes insolvent in the cases defined by the Act on the Insurance Guarantee Fund (IGF), the Fund will satisfy in part the claims of the persons entitled to benefits under life insurance contracts in the amount of 50% of the sums payable, up to an amount not greater than the PLN equivalent of EUR 30,000.00.

Under certain conditions, the negotiability of the Fund Trust Units may be restricted or precluded. The value of the Fund Trust Units may change depending on the developments in the financial markets and changes in currency exchange rates. As a consequence, income from the investment made may increase or decrease. This means that the sum paid out at the end of the investment period may be lower than the originally invested one.

The tax on capital gains (including tax on interest) is payable by the Client. The Bank shall collect, on behalf of the Client, tax dues or withholding tax only when the duty to collect such tax can be expressly derived from the applicable regulations of Polish law or from the double taxation avoidance agreements to which Poland is a party.

The Bank provides the Investment Advisory service only to the Clients who have concluded with the Bank a contract for the provision of this service. The Investment Advisory service is provided by the Bank only in respect of units or trust certificates of open-end investment funds, where the Bank provides the service of acceptance and transfer of orders to purchase or sell (excluding Regular Investment Plans and Individual Pension Account). All details contained herein are for information purpose only and do not constitute an offer within the meaning of the Civil Code or a solicitation for transactions.

Representative example for Citibank Citibank World Elite MasterCard Ultime Credit Card. Effective interest rate (EIR) of 14.70% p.a. with assumption: total loan amount of PLN 50500; total amount to be repaid 54277.03, variable nominal interest of 10% p.a.; total cost of credit amounting to PLN 3777.03, (including an annual fee of PLN 1000 for the main card issuing and usage and interests in the amount of PLN 2777.03); 12 monthly installments in the amount of PLN 4523.09 - as of 01/03/2017.

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