Notes Concerning Overseas CD/ATM Use

Inability to access a CD/ATM due to network connection problems or machine incompatibility

In some rare instances, you may be unable to make a withdrawal due to connection problems involving international or local network conditions in Europe or other places. There are also some types of CDs/ATMs in the United States that are incompatible with Japanese Banking Cards. We recommend that you prepare for such eventualities, and for the possibility that there is no CD/ATM in the area you are visiting, by carrying alternative instruments such as a credit card or traveler's checks along with your Banking Card.

Possible problems when withdrawing cash overseas

There may be times when your account is not debited immediately when you withdraw cash from an overseas ATM due to problems with telecommunications lines. In such cases, your account will be debited once the network has returned to normal. If you make a withdrawal in excess of your available funds in the meantime, however, we will contact you later about depositing the amount necessary to replenish your account. Problems with telecommunication lines might also result in your account being debited, even when you have not actually withdrawn any cash. If this should occur, contact Citibank immediately. We will investigate the situation and, depending up on the outcome, refund the appropriate amount.

Maximum withdrawal limit

Initial withdrawal limit for Banking Card and Advance Money card is equivalent to 100,000 yen per day. Initial withdrawal limit for Gaika Cash Card is 1,000 US dollars.

For Banking Card and Advance Money card, the maximum daily limit for overseas withdrawal is equivalent of 500,000 yen per day. For Gaika Cash Card the maximum daily limit is up to 3,000 US dollars. Please be careful not to exceed the limit. When you exceed the limit you will not be able to withdraw funds until the following day. Please note that "day" refers to the 24-hours from 0:00 am to midnight Japan time. The maximum daily withdrawal limit may also differ according to the type of CD/ATM.

If you would like to change your CAP limit, please refer to the following page.

Limit Control

*	Some oversea banks may set their daily maximum withdrawal limit lower than our maximum withdrawal limit.
*	When you withdraw cash from CD or ATM outside Japan, you will be charged overseas ATM service charge of 210 yen (incl. tax) per withdrawal when using your Banking Card and US$2.00 per withdrawal when using Gaika Cash Card.

Related Information

Notice on Reduction of Overseas CD/ATM Default Daily Withdrawal Limit

Currency exchange rates/Withdrawal transaction fees

The conversion mechanism from Yen that applies when withdrawing US Dollars overseas is the US Dollar TTS rate posted at Citibank Japan Ltd. on that day + 3% (TTS×1.03). Other currencies are first converted to US Dollars at a rate set by the affiliated bank and then converted from US Dollars to Yen at the above Citibank rate. You may incur a network charge depending on the CD/ATM network involved (including Citibank ATMs).

Example : When using the PLUS Network, a withdrawal fee of 1.00% (inclusive of the ATM owner fee) shall be applied. Please note that this figure may be increased or decreased without prior notice at any point in the future.

Some operators of overseas CDs/ATMs (including some overseas Citibank CDs/ATMs) charge network fees.

Some ATM owners charge a fee for ATM use.

Account balances displayed on ATM transaction statements

Depending on the CD/ATM network, your account balance may not appear on your ATM transaction statement. To check your account balance, call CitiPhone Banking.

CitiPhone Banking telephone numbers to call from overseas.

Legal restrictions on use of funds withdrawn overseas

The use of funds withdrawn overseas by residents of Japan is restricted to "living expenses" as specified by Japan's foreign exchange regulations. They include accommodation, transportation, dining, other expenses related to clothing/food/accommodation, personal necessities and gifts, school tuition and medical expenses.

A reminder to check your account balance before leaving Japan

Remember, you cannot use your Banking Card if the balance in the associated account (ordinary Yen Savings Account with 7-digit number) is zero.
You cannot withdraw funds directly from your MultiMoney account.
Be sure to deposit funds in the account you expect to use overseas prior to your departure.

Keep all transaction receipts until you receive your monthly statement

If problems arise concerning use of your Banking Card, our investigation may take longer if you do not have your transaction receipts.
If you press the cancel key 3 times when using a Citibank ATM in the United States, you may be denied further use of the machine. If you are still unable to use a Citibank ATM on the following day, try a different bank's ATM or contact CitiPhone Banking.

Security Measures

Citibank may suspend use of your Banking Card to protect your account if there is reason to suspect that the card has fallen into the wrong hands through loss, theft or forgery. We may also contact you at your registered telephone number or address to confirm that your account is being managed properly.

Back to the top