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Good, Safe, High returns.

Ladder Deposit

Fulfill your desire to have deposits which yield high interest rates. With the Citibank Ladder Deposit, you can enjoy a comfortable long term investment and enjoy guaranteed returns.

Right for you when:


Right for you when:
  • You want a high interest rate.
  • You don’t mind to commit for long-term deposits such as 12 months.
  • You want to be able to withdraw money at any time before your maturity term ends.
Product Information

Watch your money grow

  • Enjoy the best deposit rate.
  • A longer investment period means higher interest rates.

Enjoy its flexibility

  • You can make cash withdrawals even before the maturity date without having to pay a penalty.
  • You have two currency choices: IDR or USD.

Interest Rate:Up to 0.10%(USD), Up to 5.75%(IDR)

Available Currencies :IDR, USD (Fresh Fund ONLY)

Benefits Offered:

Tenure Interest (IDR)
<3 Months 60%/ 12 Bulan Interest
<6 Months 70%/ 12 Months Interest
<12 Months 80%/ 12 Months Interest
12 Months 100%/ 12 Months Interest

Tenor Interest (USD)
<2 Months 50%/ 12 Months Interest
<4 Months 60%/ 12 Months Interest
<6 Months 70%/ 12 Months Interest
<12 Months 80%/ 12 Months Interest
12 Months 100%/ 12 Months Interest

*For immediate replacement of stolen/lost card, just call the 24 Hours CitiPhone Banking at 69999 from your mobile.

** 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.

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.

CitiPhone Banking 24-Hour at 69999.

Eligibility Criteria
  Minimum age - 18 years.   Must have a Citibank savings account.

*Opening a Citibank Ladder Deposit Account requires your NPWP.