Foreign Currency Time Deposit Interest Rates

Citibank's foreign currency time deposits are available in the following major currencies. We also offer you attractive add-on interest rates when you opt to manage your assets with these deposits.

Click hereif you are unable to see the interest rate table given below.

The following are the base interest rates on foreign currency time deposits. Additional interest rates will be applicable depending on the amount deposited, and if the deposit is made from Yen funds.

Regular TD Interest Rates
Foreign Currency/Deposit Type	1 month	3 month	6 month	7 month	9 month	1 year

Last updated on:

Please call CitiPhone Banking (0120-110-330) or refer to Citibank Online for foreign currency time deposit interest rates for 1 week, 2 week, 2 year, 3 year and 5 year tenors.


Add-on Interest Rates Learn more about additional interest rates on our time deposits. More Details


Foreign Exchange Rates View the latest rates of our major currencies. More Details


Foreign Currency Time Deposit Product Range An exceptional range of deposit products to match your investment targets. More Details

The above interest rates are the pretax annual rates(%) and subject to a 20% separate withholding tax.
Above interest rates will be applied for World Mix of same currencies and tenors. Minimum Amount per package is as per defined separately.
Interest rates and foreign exchange rates fluctuate daily. Please inquire at our branches or via Citibank Online for the latest rates.

<Add-on Interest Rates>

When you start a time deposit with ENJOY PLUS via Citibank Online, Citibank Mobile, or CitiPhone Banking Automated Voice Guidance Service, please make a deposit by transferring funds directly from your Yen Savings Account or MultiMoney Yen Savings Account. Please note that if you use funds in your Foreign Currency Savings Account in order to start a time deposit in the same foreign currency, add-on interest rates are not applied to your time deposit.
Please inquire for details concerning transactions of 50 million yen or more.
These add-on interest rates apply only to individual customers.
The add-on interest rates, currencies and deposit periods of the offer are subject to change or termination without prior notice.

A minimum of 100,000 Yen equivalent. (When using Yen funds to start with, the minimum deposit amount required is 100,000 Yen.)
For foreign currency time deposits of more than 1 year tenor, you can choose from the following currencies for a Monthly Smile: US Dollar, Euro, Australian Dollar, New Zealand Dollar, British Pound, Canadian Dollar and Swiss Franc.
For the purpose of the deposit, Yen will be converted to the respective foreign currency at the exchange rate (TTS: Telegraphic Transfer Selling Rate) prevailing on the date of deposit.
On the date of maturity, when the amount is to be converted to Yen, the conversion will be based on the exchange rate (TTB: Telegraphic Transfer Buying Rate) prevailing on the date of maturity.
Information Memorandum on foreign currency deposits is available at our branches and via Citibank Website. We would be pleased to provide them at your request. Please contact the Branch service counters or CitiPhone Banking for more details.
Currently, Thai Baht deposit from other currencies is not accepted at Citibank.
For foreign currency time deposit, no withdrawals are allowed before maturity, including those of deposits that have rolled over automatically. However, Step Up Time Deposit can be cancelled after the first 6 months from the date of deposit.

Risk of Loss of Principal

When the exchange rate to convert a foreign currency to Yen fluctuates due to market conditions, there rises a risk of Loss of Principal due to an exchange-rate loss. The amount you receive at maturity, when its value is calculated in Yen, may become lower than the principal you originally deposited. Regardless of the condition of foreign exchange rate fluctuations, there is a risk of Loss of Principal because the TTB rate applied for converting a foreign currency back to Yen includes the foreign exchange commission as described below.

Commssions

Foreign Exchange Commission : The exchange rate at which Yen is converted to a foreign currency (TTS rate) and the exchange rate at which a foreign currency is converted to Yen (TTB rate) each includes the foreign exchange commission prescribed by Citibank (e.g., 1 yen for conversion to or from 1 foreign currency; 2 yen for conversion to and from 1 foreign currency).
US Dollar Cash Handling Charge : When you deposit or withdraw US Dollar in cash, the US Dollar Cash Handling Charge (2 yen per US Dollar) will be applied. Please note that no US Dollar coins are accepted.

Other

Withdrawals of foreign currency time deposits are not allowed before maturity, regardless of whether add-on interests are applicable. However, in case of Step-up Time Deposits, withdrawals are allowed after 6 months from the date of their deposits.
Foreign currency deposits are not covered by any deposit insurances.
Foreign exchange gains are treated as miscellaneous income for taxation purposes.
Information Memorandum on foreign currency deposits is available at our branches and via Citibank Website.
Deposit to emerging-market countries' currencies has relatively higher risks than those of the developed countries.

At Citibank, customers are charged a monthly account maintenance fee of 2,100 Yen (tax included), which is deducted from their account on the first banking day of the following month. However, this fee is waived when any of the below criteria is met:

.	the Total Average Monthly Relationship Balancein foreign currency in the previous month is equivalent to 200,000 Yen or more,
.	the Total Average Monthly Relationship Balancein the previous month is equivalent to 500,000 Yen or more,
.	the customer is paying a housing loan (including Mortgage Power),
.	the average monthly loan balance for Advance Money or card loans in the previous month is 4 Yen or more,
.	the customer is a member of the Citi Platinum Card or Citi Gold Card issued by Citi Card Japan Inc. (Citi Platinum VISA Card, Delta skymiles Citi Platinum VISA Card, Citi Gold Card, Delta skymiles Citi Gold VISA Card, Citi Elite, and Citi Dollar Card) and designates a Citibank account to pay balances on these cards, or
.	a new account is opened for the month in which the account is opened and the two subsequent months.

Foreign currency deposits are not covered by any deposit insurance.

Go to the top