Citi Cash Advance® is a feature of your Citi® credit card that allows you to get the emergency cash you need, in any currency, wherever you are worldwide.
Features and Benefits
Some of life's surprises arise at the most unexpected moments. Treat your Citi® credit card as your instant cash which you can use to get emergency cash when you need it most.
Citi Cash Advance® PIN
You and your supplementary cardholders can get your Citi Cash Advance® PINs by logging on to Citibank® Online or through the Citi Mobile App. With your Citi Cash Advance® PIN and your Citi® credit card, you can withdraw cash against your Citi Cash Advance® credit card limit from any of our ATM networks.
If you have forgotten your Citi Cash Advance® PIN, you may update your PIN by also logging on to Citibank Online or through the Citi Mobile App.
If you have more than one Citi® credit card, you will have the same Citi Cash Advance® PIN for all your cards.
Personalize your Citi Cash Advance® PIN
Assign your Citi Cash Advance® PIN to a 4-digit number that you will easily remember at any ATM in the Philippines or log in to Citibank® Online.
Your PIN is highly confidential, keep it safe - do not write it down nor share it with anyone. For better security, please do not use your date of birth, phone numbers or any information identifiable to you as your personalized PIN.
Citi Cash Advance® Limit
Your Citi Cash Advance® limit is a portion of your regular credit limit, and may vary from time to time depending on your credit standing with us. Your Citi Cash Advance® limit may also vary with the usage of our credit card.
Citi Cash Advance® Fees and Charges
All Citi Cash Advance® transactions are subject to a Citi Cash Advance® fee of 3% of the Citi Cash Advance® amount or P500, whichever is higher. The Citi Cash Advance® fee will be charged to your next credit card statement following the availment.
For over-the-counter transactions, an additional fee of P500 will automatically be deducted from your Citi Cash Advance® transaction amount. This processing fee is on top of the Citi Cash Advance® fee that will be charge to you in your next billing statement.
Your Citi Cash Advance® shall be treated as a regular credit card transaction and will be posted as part of the outstanding balance in your monthly credit card statement. Your Citi Cash Advance® transaction shall be subject to a 3.5% finance charge which starts accruing interest on the day you avail of the Citi Cash Advance® until payment is completed.
When to use Citi Cash Advance®
We encourage you to use the Citi Cash Advance® facility for emergency or convenience needs during unforeseen circumstances or overseas travels. For financing of larger purchases or should you need a longer payment plan, we encourage you to inquire about Citi Call For Cash® or a Citi Personal Loan by calling CitiPhone® at (02) 995-9999(02) 995-9999.
You may get the cash1 you need through the following:
You may go to any BancNet/MegaLink ATMs in the Philippines or Cirrus/Plus ATMs when abroad. All you need is your Citi Cash Advance® PIN and Citi® credit card to withdraw cash.
Just visit a Citibank® N.A. branch in the Philippines or any participating branch abroad2 and present your Citi® credit card and a valid ID to the teller.
Over-the-Counter Citi Cash Advance® fees & charges are applicable.
Citi Cash Advance® transactions are subject to interest rates of 3.5%/month and a Citi Cash Advance® Availment Fee of 3% of transaction amount or P500, whichever is higher.
1 Subject to the available Citi Cash Advance® credit limit on your account.
2 Participating Citibank® branches abroad offer Cash Advance services at their branches. i.e. Singapore, Malaysia, Taiwan.
Citi Cash Advance® is a Citi® credit card facility that allows you to get emergency cash, in any currency, worldwide.
You may get Citi Cash Advance® here or abroad through the following ATM networks:
- In the Philippines: Any BancNet or MegaLink ATM
- Abroad: Cirrus for MasterCard and Plus for VISA
Apart from the above, Citi Cash Advance® is also available over-the-counter (OTC) at Citibank®, N.A. branches and participating banks/financial institutions, both here and abroad.
Only the Citi Cash Advance® PIN, together with your Citi® credit card can be used to avail of ATM Citi Cash Advance®.
For OTC Citi Cash Advance® transactions, you will be asked to present your Citi® credit card, together with a valid ID to avail of Citi Cash Advance®.
The Citi Cash Advance® PIN is a 4-digit number which you can get by logging on to Citibank Online or through the Citi Mobile App. Every Cardholder, whether Principal or Supplementary, is assigned a unique PIN. Illustration:
- A cardholder who has multiple Citi® credit cards should have only 1 PIN.
- Supplementary cardholders will be given a different PIN.
You and your supplementary cardholders can update your Citi Cash Advance® PINs by logging on to Citibank® Online or through the Citi Mobile App.
Your Citi Cash Advance® limit is a portion of your regular credit limit, and may vary from time to time. You may refer to your Citibank Online account or latest Statement of Account for your updated Citi Cash Advance® limit.
The Citi Cash Advance® fee is 3% of the Citi Cash Advance® amount or P500, whichever is higher, which will be charged to your next credit card statement following an availment.
Your Citi Cash Advance® shall be treated as a regular credit card transaction and will be posted as part of your monthly credit card statement. Your Citi Cash Advance® transaction shall be subject to a 3.5% finance charge [starts accruing interest on the day of Citi Cash Advance® availment until payment has been made].
For OTC transactions, an additional processing fee of P500 will automatically be deducted from your Citi Cash Advance® transaction amount. This processing fee is on top of the Citi Cash Advance® fee that will be charged to you in your next billing statement.
Citibank, N.A. Philippine Branch is supervised by Bangko Sentral ng Pilipinas with telephone number (632) 708-7087
and e-mail address - email@example.com. For any concerns, you may contact us at (632) 995-9999 or send us a message through www.citibank.com.ph.
Availment of Cash Advances shall be subject to the Terms and Conditions governing Citibank Card, in addition to the following terms and conditions.
BANK means Citibank, N.A - Philippine Branch, the institution offering Citibank MasterCard and/or Citibank VISA credit cards.
CARD means the Citibank VISA/MasterCard, as the case may be, issued by the Bank to the Cardholder, and shall include the Principal Card and any and every Supplementary Card under the Card Account, unless the context otherwise requires.
Card Account means the Citibank VISA/MasterCard account, as the case may be, opened by the Bank for the purpose of entering all credits and debits received or incurred by the Cardholder.
Cardholder in relation to any Card means the person to whom the Card is issued by the Bank, whether the Principal cardholder or Supplementary Cardholder, if any, unless the context otherwise requires.
Cash Advance means any cash amount in any currency lent to the Cardholder by the Bank and made available through Automated Teller Machines (ATMs) or counters of the Bank or any other participating bank or financial institution, at its branches in the Philippines or selected overseas branches; ATMs of BancNet, Megalink or Expressnet, VISA/PLUS and MasterCard/Maestro/Cirrus networks or associated networks of VISA or MasterCard, whether in the Philippines or abroad.
PIN refers to the 4-digit personal identification number issued to the Cardholder or selected by the Cardholder from time to time if permitted by the Bank under these Terms and Conditions to enable the Card to be used at an ATM for a Cash Advance. PINs may be changed by the Cardholder at Citibank Philippines ATMs after validation by the Bank's systems. Additionally, Cardholders can request for regeneration of PINs through CitiPhone. PIN regeneration is systems-controlled and confidential; CitiPhone Representatives are not privy to the Cash Advance PINs.
BANK means Citibank, N.A - Philippine Branch, the institution offering Citibank MasterCard and/or Citibank VISA credit cards.
AGREEMENT TO THESE TERMS AND CONDITIONS
Any use of the Card together with the Cash Advance PIN to obtain cash in any of the authorized ATMs constitutes the Cardholder's agreement to these Cash Advance Terms and Conditions.
Every Cardholder, whether Principal or Supplementary, is given a unique PIN. A Cardholder who has both a Principal Citibank MasterCard and a principal Citibank VISA will be issued only one PIN. However, a Supplementary Cardholder with a Supplementary Citibank MasterCard and Supplementary Citibank VISA will be given two different PINs, one for each card.3.2
The Principal Cardholder is responsible to the Bank for all transactions of his Supplementary Cardholder/s on the Card account with respect to Cash Advances.3.3
The Cash Advance PIN issued to the Cardholder by the Bank is not the same number as his Citibank ATM PIN or 24-Hour CitiPhone T-PIN. The Cardholder may change his Cash Advance PIN if he wishes. The Bank strongly advices the Cardholder to choose a number which is different from those he may already have. While having the same PIN is clearly a convenience which the Cardholder may avail of, the Cardholder recognizes the risk of doing so since any compromise on the PIN may result in unauthorized use of his account.3.4
The Cardholder can change the Cash Advance PIN by using an Automated Teller Machine (ATM) at a local Citibank Branch. In case the Cardholder forgets his existing Cash Advance PIN, he can call the 24-Hour CitiPhone to have the same number regenerated and sent to him.3.5
The Cardholder shall not, under any circumstances, disclose the PIN to any other party and shall take all steps to prevent its discovery by any other party.3.6
The security of the Cash Advance PIN is very important. Failure to observe the security requirements shall result in Cardholder's liability for unauthorized transactions on the Card.
RESPONSIBILITY IN CASH ADVANCE
The Cardholder shall be fully liable to the Bank for all Cash Advances made with the PIN and all Charges imposed in relation thereto, regardless of whether such Cash Advance was made with or without the knowledge or authorization of the Cardholder.
The Cardholder hereby authorizes Citibank to charge to the card account the amount of any Cash Advances in accordance with the Bank's records.
CASH ADVANCE LIMIT
The Cardholder may use his Card to obtain Cash Advances up to the limit determined by Citibank from time to time, whether or not such limit is made known to the Cardholder.
Cash Advance transactions are recorded and substantiated either by a transaction record or receipt. The Cardholder accepts these documents as conclusive and binding evidence of the Cash Advance transactions.
Cash Advance transactions are subject to service fees and finance charges, the rates of which may be changed from the time by Citibank. Finance charges shall be computed from the day of the Cash Advance availment. Notice of change in service fees and finance charges may be done by way of posting in the Bank's premises, messages in monthly statements and/or billing inserts.
INTERNATIONAL CASH ADVANCE ACCESS
In connection with Cash Advance at ATMs located outside the Philippines, the Cardholder declares that while availing of the Cash Advance, he is a resident of the Philippines. Once he ceases to be a resident, he undertakes to inform the Bank of this fact.
Citibank Philippines must make arrangements for transaction data to be collected, stored and communicated for processing. Such processing may include identifying account balance information and will, in whole or in part, be performed electronically. In addition, transaction processing may be performed by other entities either in the country where the ATM is used or elsewhere.
The Cardholder is aware that the Cash Advance transaction necessitates (1) the collection, storage, communication and processing of identifying account balance information by any means necessary for Citibank Philippines to maintain appropriate transaction and account records; (2) the release and transmission to participant and processors in either the Mastercard or VISA network of details of cardholder's account and transaction information and other data necessary to enable his availment of Cash Advance outside of the country; (3) the retention of such information and data by the said participants and processors in both networks; and (4) compliance by the said participants and processors with laws and regulations governing disclosure of information to which such participants and processors are subject.
The records evidencing availments of Cash Advances outside the Philippines constitute the application required under BSP Circular no. 645 Series of 2009, for the purchase of foreign exchange for non-trade purposes. Finally, the Cardholder warrants that the Cash Advances shall not be used for foreign investments or payments of foreign loans in violation of pertinent rules, regulations and circulars of the Bangko Sentral ng Pilipinas applicable to foreign exchange.
CHANGES IN TERMS AND CONDITIONS
The Bank shall be entitled to change all or any of these Terms and Conditions with advance notice to Cardholders. Reference to these "Terms and Conditions" and to any particular condition, in these "Terms and Conditions" shall be interpreted to mean these Terms and Conditions or that particular condition respectively, as changed from time to time in accordance herewith.
EFFECT OF OTHER TERMS AND CONDITIONS
The Terms and Conditions governing the Cardholder's various other card and bank accounts with Citibank shall remain in full force and effect insofar as the same is not inconsistent herewith. Cash Advance will also be subject to the rules and regulations of the BancNet, Megalink and ExpressNet networks, VISA/PLUS and MasterCard/Maestro/Cirrus networks, and any associated networks.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines.
ACCEPTANCE OF TERMS AND CONDITIONS
The Cardholder, by availing of the Cash Advances described herein, shall be deemed to have read, understood and agreed to be bound by these Terms and Conditions.
By availing of Cash Advance in relation to the Card, the Cardholder consents to the disclosure by the Bank of the details regarding his Cash Advance transaction to organizations participating in the Cash Advance offering, particularly for the purpose of charging those Cash Advances against his Card Account.