Time Deposit

Because time is money.

Time Deposit

We encourage you to do something else for your precious time. No more keeping track of your deposit maturity.

Open a Citibank Time Deposit and need not to worry about it. Your maturity amount is automatically renewed at no charge.

Right for you when:


Right for you if:
  • You want a hassle free deposit with flexible currency, higher interest rate and term options.
  • You want a safe deposit option.
Product Information

Who said Deposits were rigid?

  • With Citibank's Automatic Roll Over (ARO), your investment amount will be automatically renewed on maturity based on principal at no extra charge.
  • You have the flexibility to decide when and how you receive interest on your investment. You can choose to invest your interest as addition to the deposit principal or transfer the interest to Citibank Current or Saving Account to be withdrawn anytime.
  • Enjoy easy access to open your Citibank Time Deposit through Citibank Online, CitiPhone Banking 24 hours and 20 Citibank branches nationwide.
  • We provide various deposit tenure for your preference, start from 1, 3, 6, 12, 18 and 24 months. Especially for 18 and 24 months are available only for IDR deposits.

Get more from your deposit.

  • When you need a loan, 90% of the amount you deposit can be used as collateral, we provide Advance Current Account an overdraft line facility with your (or third party) time deposit as collateral.
  • Looking for extra benefits? You can make deposits in other currencies too. In addition to IDR, there are 9 currency options to choose from. These include: IDR, USD, AUD, GBP, NZD, EUR, CAD, JPY, dan SGD.
  • Competitive interest rate to optimize your investment.
  • You can choose the payment methods depend on your need. You can pay by at the end of maturity date or you can pay monthly.

You can choose the payment methods depend on your need. You can pay by at the end of maturity date or you can pay monthly.


You can open a time deposit in the following currency and tenure:

Currency Tenure (months) Min. Booking
IDR 1, 3, 6, 12, 18, 24 IDR 25 milion
USD 1, 3, 6, 12 USD 2,500
EUR 1, 3, 6, 12 EUR 10,000
JPY 1, 3, 6, 12 JPY 2,5 milion
AUD 1, 3, 6, 12 AUD 10,000
NZD 1, 3, 6, 12 AZD 10,000
GBP 1, 3, 6, 12 GBP 5,000
CAD 1, 3, 6, 12 CAD 15,000
SDG 1, 3, 6, 12 SGD 10,000
Features & Benefits

Flexibility of access and convenience of transacting anytime, anywhere are just some of the benefits we offer.

Here are more if you open Citibank Account:

Citibank Debit/ATM Card*

Brings you banking convenience locally and globally. From cash withdrawals to your daily purchases, Citibank Debit/ATM Card lets you experience exclusive lifestyle privileges everytime you make purchases with your card. You can also indulge yourself with dining, shopping and holidays with Citibank Privileges worldwide.

Enjoy free** cash withdrawals in more than 20,000 ATM with ATM Bersama network (Bank Mandiri, BNI, BRI, Bank Permata, Bank CIMB Niaga, BCA) and more than 1 million ATM worldwide through PLUS*** network.

Free real time fund transfer to Citibank Account in more than 25 Citibank accounts countries through Citi Global Transfer.

Free worldwide fund transfers through Telegraphic Transfer.

Instant notification of your banking transactions via your cellphone/email through Citi Alerts.

Monthly Consolidated Statements.

Gift choices through Citi Rewards Points redemption.

Interactive internet banking services through Citibank Online.

CitiPhone Banking 24-Hour at 69999.

* For replacement of stolen/ missing card, get immediate assistance by contacting the 24-Hour CitiPhone Banking service at 69999 directly from your phone.

** Maximum 10x/ day for banking transaction within ATM Bersama network.

*** Cash withdrawal in ATM plus network outside Indonesia may apply charges from the acquiring bank.

Eligibility Criteria
  Minimum age - 18 years.   Must have a savings account.
  Penalty if deposit is liquidated before maturity date .


* Opening a Citibank Time Deposit Account requires your NPWP