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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)

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Citibank Credit Cards: Free Citi Payall for All Payments Set up from 1st April 2021 to 31st October 2023 (Normally 2%)
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Team Ozgiftcards on 16/03/2021 - 17:56 www1.citibank.com.au (3661 clicks)
Last edited 18/10/2023 - 09:37 by 4 other users

Received in email. Maybe targeted.

Free points on your rents, and any other fees that normally don’t accept credit cards without a fee.

Email excerpt below:

We are writing to advise you of an update we are making to the Citi PayAll product feature available on your Citi Rewards Card.

For all Citi PayAll payments set up between 1 April 2021 to 31 October 2023 (the Period), the Citi PayAll fee will be reduced to 0%:

• Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur.

• Any Citi PayAll payments set up after the Period ends will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment.

• Any recurring Citi PayAll payments set up prior and after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.

• From 1 November 2022, points will be capped at $20k per month or the lower of your credit card limit.

For more information on Citi PayAll, please refer to the Credit Card Terms and Conditions and Other Important Information and if you are enrolled in a Citi Rewards program, please refer to the Terms and Conditions of the Rewards program you are enrolled in.

https://www1.citibank.com.au/offers-benefits/PayAll1

This is a good guide:
https://www.pointhacks.com.au/citibank/payall/

Financial Citi Credit Card

Related Stores

Citibank Australia
Citibank Australia

closed Comments

        • lilsmilingstar on 12/07/2023 - 13:15

          Did you end up getting a confirmation on this? I'm looking to schedule payments that will occur after 31 Oct, but won't bother if they'll charge the 2%.

          • cashless on 12/07/2023 - 13:57
            +2

            @lilsmilingstar: From the PayAll FAQ page
            For all Citi PayAll payments set up between 1 April 2021 to 31 October 2023 (the Period), the Citi PayAll fee will be reduced to 0%.*

            *Any recurring Citi PayAll payments set up during the Period will not incur the Citi PayAll fee for the duration in which those payments are scheduled to occur. Any recurring Citi PayAll payments set up prior or after the Period will be charged the standard Citi PayAll fee of 2% of the amount of the Citi PayAll payment. This fee will apply to all recurring payments made for the duration in which those payments are scheduled to occur.

            Seems pretty clear to me.

    • Killua27 on 21/04/2023 - 12:04

      I just received my card today and the payall brochure states there is a 2% fee. But I'll be calling them to confirm it as well and point out this email.

      • wangasm on 21/04/2023 - 12:30

        Everybody gets that because that's the real fee when there's no promo. If you actually try to set up the PayAll it will say 0 fee.

        • Killua27 on 21/04/2023 - 12:41

          Thanks wangasm, i'll have a look at it today

        • Killua27 on 21/04/2023 - 13:59

          Hey mate, I tried to look into setting it up. Where does it say the fee?

  • squarepants on 21/04/2023 - 12:20

    Assuming that if you’ve had PayAlls set up previously, on a different card to the $35k limit and you then got a Prestige, probably can’t set up any further PayAlls without cancelling some of them first?

  • knobbs on 21/04/2023 - 12:23

    I am wondering if you are on one of the lower tier cards and then signup for the prestige card, can you use your points already collected at the better redemption rate of the prestige? I wouldn't think they have different point pools for the different redemption rates they were earned on.

    • wangasm on 21/04/2023 - 12:38

      Points are tied to the specific card, you can't redeem Prestige tier rewards from points on another card.
      You can try ask them if you can to transfer the points to the Prestige card but I'm unsure if they'll let you.

      • knobbs on 21/04/2023 - 12:47

        So if I have 2 cards currently open on different reward levels they will show me 2 different point pools? Not just one fat X is your reward points?

        • wangasm on 21/04/2023 - 12:57
          +2

          Yup, separate point pools with separate redemption portals. I had 2 cards open at one point too

          • knobbs on 21/04/2023 - 13:01

            @wangasm: Dam thanks for confirming that. I really thought they wouldn't have 2 pools. Thanks for confirming

  • fullmetal on 21/04/2023 - 15:14

    Not sure if anyone has said this before. I tried to set it up all the way for till 2027, my account got locked as it got flag as a security issue. I would suggest setting it in in a few days to avoid the situation and calling CITI to unlock about 30 minutes call.

  • Killua27 on 23/04/2023 - 00:26

    I’ve set up a monthly payment from the 15th of May for 20k to a savings account. From what I’ve read it’s best to transfer it back a week prior of the next month so ~8th of June. I’ve set that up for 4 years at this stage and will set it up over the next few days so I don’t get flagged.

    Newbie question, how do I pay back the PayAll on the 8th of June? Do I just transfer it back like a credit card payment?

    • timhn on 23/04/2023 - 22:15

      Yes, it's just a regular cc transaction. Just pay as normal

  • magster on 23/04/2023 - 22:25

    Has anyone been transferring to and paying back from the same bank account without any issues? I’ve been fortunate enough to be doing Payall for several years with no drama, but I’ve always transferred to our shared bank account (I just put my husband’s name as the account holder). Then transfer it back to our offset account which is with a different bank, and transfer it back to Citi from there via scheduled payments. However due to change in our circumstances, our shared account will become our main bank account. Wondering if it will be an issue or cause anything to be flagged transferring in and out from the same account.

    • Killua27 on 24/04/2023 - 07:33

      Would like to know this too.

    • SydneySwan on 24/04/2023 - 08:14
      +1

      I have done this a few times without issue. When I pay it back I use BPAY so I am not sure how much detail about the account the funds were sent from Citi receive.

      • VQLD on 27/04/2023 - 12:33

        how long does it take? I was thinking to set up recurring BPay but they say that processing time is 2-3 days… Currently I'm just transferring manually from NAB app which is using Osko and payments are immediate.

        • SydneySwan on 27/04/2023 - 12:52

          My Bpay payments are always credited overnight.

          • wangasm on 27/04/2023 - 16:17

            @SydneySwan: If paid before 4pm (Some places are 5pm)

          • VQLD on 03/05/2023 - 15:26
            +1

            @SydneySwan: cool. I've tested and a small amount arrived on the same day and 2 big ones - next day..

    • thestig on 24/04/2023 - 08:21

      Large organisations are constantly changing their risk hypothesis and what they're targeting. If you find out based on the sample size here that no one has been flagged it doesn't mean that no one else has been or that it won't be targeted in the future. Just do what you can to reduce the risk. There are plenty of free or nominal fee bank accounts around you can open in either name.

    • wangasm on 24/04/2023 - 11:00
      +3

      When paying by BPay no identifying details are passed to the biller, they only get the reference number. So it does not matter which account you pay from.
      https://bpay.com.au/bpay-for-you/personal-faqs

      Is BPAY safe?
      All BPAY payments are made within the secure environment of your online banking.
      BPAY doesn’t receive any of your personal details or account details during the payment process.

      If you are paying by a different method like transferring it directly to a linked Citibank plus account, that is a potentially different story, though also unlikely to have any impact.

  • blue21 on 24/04/2023 - 22:24

    I have accidentally transferred a large sum of money with the wrong reference number. For those of you who transfer to yourself/family, could you please share how a transaction reflects in the account/statement of the recipient?

    Thank you very much.

    • leeroys_dad on 24/04/2023 - 23:06
      +2

      Bugger. Mine shows:

      Credit from Citicorp Ltd. From Citigroup Ptyltd. Ref: <my reference text that I entered>

      • blue21 on 24/04/2023 - 23:12

        Damnit. So it doesn’t show your name?

        Thanks bro. Appreciate it.

        • leeroys_dad on 25/04/2023 - 04:33

          Nope the only semi identifiable bit would be The reference you entered for the transfer when setting it up. Hopefully easy for you to resolve

  • bpres43 on 30/04/2023 - 14:02

    Think you can balance transfer from citi Allpay on your credit card to an interest free balance transfer?

  • B612 on 01/05/2023 - 09:51

    Just wondering which card is everyone doing this on?
    with the basie Citi Rewards Card the points are coming in very slow but with the Prestige there is a huge annual fee.

    • CyberMurning on 01/05/2023 - 10:03

      any card you can afford (to get approved and paying annual fee)

  • Kingfield on 02/05/2023 - 21:50

    Does anyone use the payall in combination with direct debit to pay off the card?

    Or is everyine transfering money back manually?

    • cashless on 02/05/2023 - 22:37

      Payall out to account A
      Monthly payment from account A to account B
      Direct debit from account B to pay statement balance

      • Kingfield on 02/05/2023 - 23:45

        All scheduled? Is account b a Citi account?

        Is there any benefit to direct debit out of account b?

        • cashless on 03/05/2023 - 07:32

          Yes.
          No.
          Yes - knowing that statement always paid off on schedule.

          • Kingfield on 03/05/2023 - 13:10

            @cashless: Thanks - sorry to be clear re: the last q, I mean is there a benefit to direct debiting out of account b rather than a?

            • cashless on 03/05/2023 - 15:10

              @Kingfield: For me yes, convenience.
              For you, perhaps you might want to separate your high interest (or offset) account from your regular bank account.
              Also account A might be in someone else’s name, like your partner?

              • Kingfield on 04/05/2023 - 00:03

                @cashless: Yeah in my case account A would be my offset and I would rather direct debit it straight out of there if I can so I don't need to do another 2 transfers? But not sure if it's better from the standpoint of making it easier to get around the checking of who's account account A is..

  • h11deo on 03/05/2023 - 19:14

    Late to the party :) I got my Citi Credit card today woohoo and was planning to use the Citi PayAll for our weekly rent, however I did not realize that PayAll only accepts BSB/Account number (my bad and missed that part when reading T&C). I rent a Meriton apartment and they gave me Bpay biller code, so not a BSB/Account number - I will check with them tomorrow if they have a BSB/Account number instead LOL - would be interested to know if anyone else has the same situation?

    Also, another question, probably unlikely, but is there a Foreign Exchange that would accept BSB/Account number (most likely not since its not real-time with the 7 days limit)?
    Just asking since I need to buy foreign money for vacation so might as well check if I can use PayAll and earn some points when buying FX dollars?

    • wangasm on 03/05/2023 - 19:28

      There is no need to pay your rent directly from the card. Just Payall to your own bank account and then bpay from your account.

      Alternatively you can use beem to bpay with the Citi credit card (this earns points too). This is what I do with my rent. But note not all billers accept credit card and it has a limit of $2000 per day
      https://www.ozbargain.com.au/node/639861

      • h11deo on 03/05/2023 - 20:08

        Thanks for the feedback - I read the Beem thread you mentioned which has one of the comments saying to check here https://bpay.com.au/look-up-biller-code-financial-institutio…
        Looks like I am out of luck, because the Meriton biller code that I have been given has this:

        This Biller accepts
        Cheque, Savings or Debit Card

        Like you said, not all billers accept credit card and upon checking my biller code doesn't accept for Beem
        In anycase, much appreciated the reply :)

  • Killua27 on 04/05/2023 - 08:17

    Recently for my card and I tried to set up payall and made a mistake so I've had to cancel it and now it says I've reached the maximum limit? Anyone know how long until I can try and set it up again?

    • fullmetal on 04/05/2023 - 08:34

      A day or 2. Usually the next day

      • Killua27 on 04/05/2023 - 11:35

        thanks mate will try again tomorrow

  • digitalane on 10/05/2023 - 15:42

    I still struggle to understand the benefit to Citi for PayAll?

    I literally use the card for just a $20k circular payment each month

    • New Chump on 10/05/2023 - 15:52
      +1

      Not every customer is a "transactor" like you, dutifully paying off their credit card each month.

      Some are "revolvers" who don't (or can't) pay off their credit card each month. Revolvers using PayAll would make some money for Citi.

      NC

    • wangasm on 10/05/2023 - 23:24

      It's an instant 20k card points per month ($100 worth in GC). Put it into a savings/offset account and get even more out of it.
      If you use your card normally as well then that's even more points on top (Just pay off the card as you need it). So if you spend 20k normally anyway you're looking at least 40k points every month.
      Cards like the Prestige have no points earn cap too

      • kehuehue on 24/05/2023 - 21:50

        Does the premier have a cap?

        • wangasm on 24/05/2023 - 22:13
          +1

          Officially there's a cap of 200k points earned a year for Premier. But apparently @Legoman was able to get more than this so, shrug

          • Legoman on 17/06/2023 - 17:13
            +2

            @wangasm: There is NO points cap on PayAll payments. This is documented by Citibank and is absolutely clear, tested and true.

    • capslock on 11/05/2023 - 09:46

      Don't forget to use your points regularly in case they realise their mistake in offering such a generous deal and take back all the points.

  • Weasel on 10/05/2023 - 21:32

    Tried to find an answer in the comments. Whats the work around for using Citi Payall into your own bank account (in your name)?

    • CodeXD on 10/05/2023 - 21:50
      +1

      Use your initials

      • Weasel on 10/05/2023 - 21:52

        Thank you!

    • SydneySwan on 10/05/2023 - 22:15

      Make up a name. Name field is not checked.

      • Legoman on 17/06/2023 - 17:16
        +1

        Not a good idea if you're setting up payments decades into the future. It is highly likely that in the future the banks will start cross-reference checking account names that they match the numbers. When they do, all your no-fee PayAll payments you've set up will start getting rejected and you won't be able to edit them.

        • Outrageous on 17/06/2023 - 17:23

          So what did you put in the name field? Even if you do initials, it will probably get rejected on that basis too.

          • Legoman on 17/06/2023 - 17:30

            @Outrageous: The actual name of the account, obviously.

            • Outrageous on 17/06/2023 - 17:41

              @Legoman: Do you think the surname would have to be different to your own? I don't have any family members with different surname

              • Legoman on 17/06/2023 - 17:54
                +1

                @Outrageous: I PayAll to family member with same surname and have had no problem at all for the last 3 years

                • Outrageous on 17/06/2023 - 18:00

                  @Legoman: Ah ok. That's good to know.
                  They haven't called you yet asking about the payee? Like some have reported in this thread

        • SydneySwan on 17/06/2023 - 18:27

          I like your optimism. Do you really think this lurk is going to last for decades?

  • andyman1908 on 19/05/2023 - 11:29

    Super stupid questions from me again sorry.

    I've just been going by the approach of using my credit card and paying off every few days when I check my balance online. I thought that would protect me from having any interest charges as I'm never close to the 55 days. Had a suprise of a $100 interest charge which the rep explained to me was because I didnt pay off my entire balance at the due date.

    My statement period was 17/03/23-16/4/23 with a payment due date of 1/5/23 of a bit over $20k (cc limit of $25k).I mustn't of paid the balance (being mainly the Payall transfer) on the due date hence why I got the interest charge

    I have set up Payall transfer of to be made to external account from our CC on 15th of the month for $20k.

    I suspect this set up is all messed up as (maybe I'm just simple minded) that I need to pay back the $20k Payall before the 30th of each month, only giving me half a month of being able to utilise the funds?

    Sorry if I'm not explaining myself well, hopefully you can point out the errors in my ways!

    • knobbs on 19/05/2023 - 12:21

      I too got hit with ~$100 interest and a late fee this month due to the due date moving 3 days earlier and my auto payment (Bpay) occurring over a weekend.

      • andyman1908 on 19/05/2023 - 12:51

        Worth a call, when I inquired about the interest charge I asked for it to be waived and they did so out of goodwill (you now owe me $100 :D)

        • CodeXD on 19/05/2023 - 13:10

          you now owe me $100 :D

          Who do I call to get this $100 waived?

          • andyman1908 on 19/05/2023 - 13:35

            @CodeXD: I called Citibank on 13 24 84 and prompted to the credit card area. I'm not suprised online msg centre wouldnt help. I think talking to a person would be best chance of success.

            • knobbs on 22/05/2023 - 16:06

              @andyman1908: Just tried this, got through and gave the agent my CC number. She pulled up the details and hung up on me lmao.
              Guess gotta try again

        • knobbs on 19/05/2023 - 13:27

          I used the online msg centre but basically was told to go away

      • Legoman on 17/06/2023 - 17:25
        -3

        Hahaha, oh boy how vindicated do I feel for bending over backwards to explain the reasons for spreading everything out by a minimum 3 days. This is the EXACT reason! Go on, neg vote this post again. I invite it.

        • knobbs on 17/06/2023 - 21:38

          I did not neg you but anyway I have them spaced out over 3 days apart and this still happened…

          • Outrageous on 17/06/2023 - 22:24

            @knobbs: Any downsides to just using citibank's easi pay direct debit? It seems like with that you don't have to worry about late payments or interest because it will make sure the direct debit arrives on due date.

            • knobbs on 17/06/2023 - 22:29

              @Outrageous: Yes you don't have to worry about late payments or interest with Easipay. I initially had that setup on my account too. However Easipay doesn't take into account any payments you make to the card after statement date with regards to how much EasiPay deducts. The problem with this is you will often need to make manual payments to topup your account so there is enough money to PayAll from it. You make that payment and then EasiPay deducts the WHOLE payment from your initial statement again. It doesn't see you topped up 20k between and so now you are 20k over

              • Outrageous on 17/06/2023 - 22:46
                +1

                @knobbs: Ah ok. So i guess if we want to use easipay and have everything automated, then the payall should be spaced ~4-5 days after the due date? (To ensure the statement's balance due has been fully paid off before next payall starts processing?)

                • knobbs on 17/06/2023 - 22:53

                  @Outrageous: You can not automate with easipay unless you have double the credit limit of your payall. We have talked about it previously if you wanna search for the history here

    • capslock on 19/05/2023 - 12:57

      Change your Payall date to very late in the month. This will give you close to a full month to utilise the funds and also avoid accidentally paying interest.

      • andyman1908 on 19/05/2023 - 13:34

        What day of the month would you suggest in my case?

        • CodeXD on 19/05/2023 - 13:40

          I used my payment due date + 3 days (since citi will take the amount 3 days before due date)

          My due date is 24th so +3 days = 27th every month.

          This way when you get the reminder for your payall, you can pay off your full statement which will also include the $20k and ready to be taken out.

          So in your case, 4th of every month. However, due to citi taking out the amount 3 days prior, if it happens to hit a weekend or public holiday, then your payment could even be taken out as early as the previous month. That is not something I've dealt with since mine is end of the month.

          Previous discussions indicate moving your due date to second half of the month to resolve this issue.

          • wangasm on 19/05/2023 - 13:57

            @CodeXD: 4th of the month is not a good date to schedule the payall as you mention.

            Their statement date is already in a good spot in the middle of the month, so the alternative is scheduling the Payall to be after the statement is generated and before the payment due date (This is what I do). In this case any date between 23-27th would probably be good. This does mean you need to Pay your statement a little earlier than the due date before your Payall is due, but it will be the same every month so doesn't make much difference.

  • test8888 on 19/05/2023 - 17:00

    for someone if citi card opened before July 2012, happened to me it triggered overlimit fee, so pay attention.

    Overlimit Fee (for accounts opened prior to 1 July 2012) $40 ($0 for Classic Plus Card) Charged per statement period when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit.

    really didn't figure out how it could proceed PA as there was no enough credit, and already had more than 10times exp in past it should be declined, therefore I didn't pay attention to scheduled PA (forgot to transfer money in). though chat support is nice to reverse the fee but for one time only.

  • Killua27 on 22/05/2023 - 13:56

    I just set up my first Payall for the 15th, but the funds came out on the 11th along with the $350 annual fee. On the app it says I have to pay the minimum balance by the 29th of May. Can someone give an insight to this? I was hoping to transfer the funds back on the 7th of the following month.

    • andyman1908 on 22/05/2023 - 15:26

      I'm not by any means an expert but what I found (few comments above), to avoid any interest charges or overdue fees, you need to pay off the balance shown on the statement by your due date (29th May).

    • capslock on 22/05/2023 - 16:03

      If your due date is the 29th then your statement end date must be around the 4th.

      29 May - pay off your balance
      4 Jun - new statement showing $0 to pay
      13 Jun - new Payall gets debited
      29 Jun - nothing to pay because the 4 Jun statement is $0
      4 Jul - new statement with something to pay
      7 Jul - transfer the funds back
      12 Jul - new Payall gets debited
      29 Jul - nothing to pay because you already paid it on 7 Jul
      Repeat cycle

      • Killua27 on 22/05/2023 - 20:57

        Thank you, this is so helpful! Definitely don’t want to cop any interests on a 20k payall.

  • VQLD on 24/05/2023 - 11:08

    is it safe to allocate 3 days for BPay payments during public holiday and Payall will be processed on the 4th day? Say, transferring from Ubank to Citi during Christmas time. Literally within the same bank…

    "How long do BPAY® payments take?
    Payments made after 6:00pm on business days, or at any time on a weekend or public holiday will usually be treated as being received by the biller on the next business day. The time that it takes for the biller’s account to actually be credited will depend on the policy and systems of the biller’s bank."

    • CodeXD on 24/05/2023 - 11:55
      +1

      Safest way is to send it when you receive the SMS from citi

      Your PayAll transaction of AUD 20,000.00 to CXD Offset Account will be processed on…"

      • VQLD on 24/05/2023 - 12:19
        +1

        yeah… just trying to automate.. That message is usually sent 3 days before processing Payall so trying to figure out Bpay processing time during public holidays to make sure funds are already in Citi CC account.. Manually, the quickest way is to transfer to Citi normal acc (OSKO) and then internal transfer to Citi CC account.

        • CodeXD on 24/05/2023 - 12:31
          +1

          The sms already take publicly holiday into consideration. I've received it at different day each month due to public holidays and weekends

  • ldcan on 24/05/2023 - 18:43

    there is no way for Bpay payments to be tracked right? i.e its okay for me to PayAll into Bank Account A and then use the same bank account A to make a Bpay payment to repay my CC balance?

  • thermos36 on 25/05/2023 - 19:05

    My first payment keeps getting rejected, anyone know why?
    Tried 20000 and 9999, and tried changing the dates but still no dice. Getting a message saying refer to the terms and conditions but nothing specific.

    • leeroys_dad on 25/05/2023 - 20:05

      If you are paying an account with the similar or same name as your credit card, that could be the problem

  • theabcd1234 on 27/05/2023 - 07:58

    Just wanted to double check, you can only get $20k PayAll limit per month across all cards right? Eg, if you have both a Prestige and Premier card (with enough credit limits on both), you can’t do $20k on both card per month (so $40k) right? Cheers.

    • fullmetal on 27/05/2023 - 12:01
      +1

      Yes that is correct.

  • Outrageous on 27/05/2023 - 20:06

    Can anyone confirm the unofficial limit for payall per month is 90% of credit limit?
    So for a 20k limit, maximum total payall is 18k for the month?

    • Micky14 on 27/05/2023 - 20:34

      You can use 100%. 20k every months.

  • Micky14 on 28/05/2023 - 23:52

    Has anyone used Macquarie bank to pay back to citi? Do you use bpay or payid? I'm thinking to use payid, then I can pay back on the payall processing day. If use bpay when the payall processing day is Monday. I will have to bpay on Friday which lose some interest days.

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