Advances in Current Account - Overdraft

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It is time to take your business higher.

Advance in Current Account - Overdraft facility

At Citibank we firmly believe that a rewarding business opportunity should never be missed.
To get you moving ahead towards your goal, we have designed a special deposit product that provides solutions to meet
your additional fund requirements any time you want.

Right for you if:


Right for you if:
  • You need an additional but limited, procurement funds guarantee.
  • You want to utilize your investments abroad as collateral for loans.
  • You want a loan facility with a high ceiling and a competitive interest rate.
ACA Term Sheet
Product Information

Solutions to enhance your business capital.

  • By opening a Citibank Advances in Current Account,you can instantly apply for a loan with a minimum loan amount of IDR100,000,000 (one hundred million Rupiah)
  • You have the flexibility to determine the loan amount based on the amount of deposits you have.
  • Line amount can be up to 90%* from your time deposit amount, and the interest rate starts from 3%* (fixed spread) above time deposit interest rate with competitive provision fee.
  • * Subject can change time to time

We are gladly to provide you with 7 currencies to choose;

  • Choose from available currencies to open your Current Advance Deposit: IDR, USD, GBP, JPY, NZD, AUD, EUR.
Features & Benefits

Imagine, if banking is as easy as any daily activity.

Flexibility of access and convenience of transacting anytime, anywhere are just some of the privileges 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 accounts in more than 25 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.

* For immediate replacement of stolen/lost card, just call the CitiPhone Banking at 69999 from your mobile.

** Subject can change time to time

*** 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 Citibank savings account.

* Opening a Citibank Advance Current Deposit Account requires your NPWP.