CITI CASH ADVANCE®

Cash convenience.

Cash Advance with Citibank Philippines
CASH ADVANCE

CASH ADVANCE

Important Advisory: We wish to inform you that Citi Cash Advance can no longer be availed over the counter at Citibank branches. Instead, you may avail of Citi Cash Advance through Citibank ATMs, BancNet ATMs or associated networks of Mastercard® or VISA in the Philippines or abroad.

Overview

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

Never worry about not having enough cash on hand. With your Citi® credit card, you can turn your credit limit to instant cash at any time and use it for unexpected expenses or any emergencies.

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 as your Cash Advance® PIN to a four-digit number that you will easily remember; you may assign your Cash Advance PIN at any ATM in the Philippines or by logging in to Citibank® online or the Citi Mobile App.

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® Service Charge of P200 per Citi Cash Advance® transaction. The Citi Cash Advance® Service Charge will be charged to your next credit card statement following the availment.

Your Citi Cash Advance® shall be treated as a regular credit card transaction and the whole Cash Advance amount 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 3.0% interest charge and 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 Speed Cash® or a Citi Personal Loan by calling CitiPhone® at (02) 8995-9999(02) 8995-9999.

Where to avail

You may get the cash1 you need through the following:

In the Philippines:

  • Any Citibank® ATM
  • Any BancNet ATM
  • Associated networks of Mastercard or VISA
  • Via CitiPhone® at 8995 9999 in Metro Manila or 234 9999 in Metro Cebu

Overseas:

  • Any Citibank® ATM
  • Any BancNet ATM
  • Associated networks of Mastercard or VISA
Citi Cash Advance® transactions are subject to an interest rate of 2.00%/month and a Citi Cash Advance® Service Charge of P200 per Citi Cash Advance transaction.

1 Subject to the available Citi Cash Advance® credit limit on your account.

FAQs

Citi Cash Advance® is a Citi® credit card facility that allows you to get emergency cash, in any currency, worldwide.

You may avail of Citi Cash Advance® up to our guiding limit through any of the following channels:

In the Philippines:

  • Any Citibank® ATM
  • Any BancNet ATM
  • Associated networks of Mastercard or VISA
  • Via CitiPhone® at 8995 9999 in Metro Manila or 234 9999 in Metro Cebu

Overseas:

  • Any Citibank® ATM
  • Any BancNet ATM
  • Associated networks of Mastercard or VISA

Only the Citi Cash Advance® PIN, together with your Citi® credit card can be used to avail of ATM 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® Service Charge is P200 per Citi Cash Advance® transaction; it will be charged on 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 3.00% interest charge and starts accruing interest on the day of Citi Cash Advance® availment until payment has been made.

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph. Citibank, N.A. Philippine Branch is regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.

For your complaints/concerns, we will endeavor to resolve these within 7 business days. For complaints/concerns requiring more time to resolve, we will be in touch with you and inform you of the progress.

  • Credit Line Increase - Citibank Philippines

Terms and Conditions

Availment of Cash Advances shall be subject to the Terms and Conditions governing Citibank Card, in addition to the following terms and conditions.

  1. DEFINITIONS

    BANK means Citibank, N.A - Philippine Branch, the institution offering Citibank Mastercard and/or Citibank VISA credit cards.

    CARD means the Citibank Mastercard/VISA, 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 Mastercard/VISA 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) of the Bank in the Philippines or abroad; ATMs of BancNet, Megalink or Expressnet, Mastercard/Maestro/Cirrus and VISA/PLUS networks or associated networks of Mastercard or VISA, whether in the Philippines or abroad; Via CitiPhone at 995 9999 in Metro Manila or 234 9999 in Metro Cebu; and Authorized money changers abroad (valid I.D. required).

    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.

  2. 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.

  3. PIN
    3.1

    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.

  4. 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.

  5. 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.

  6. TRANSACTION RECORDS

    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.

  7. CHARGES

    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.

  8. 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.

  9. 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.

  10. 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, Mastercard/Maestro/Cirrus and VISA/PLUS networks, and any associated networks.

  11. GOVERNING LAW

    These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

  12. 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.

  13. DISCLOSURE

    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.

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph. Citibank, N.A. Philippine Branch is regulated by Bangko Sentral ng Pilipinas with contact details at https://www.bsp.gov.ph.

For your complaints/concerns, we will endeavor to resolve these within 7 business days. For complaints/concerns requiring more time to resolve, we will be in touch with you and inform you of the progress.