Citibank Plus Transaction Account (Australia) FAQ

Citibank Plus is an everyday banking account offered by Citibank Australia.

Some Facts:

• It offers a Mastercard Debit card with PayPass and chip. (Previously Visa Debit with PayWave).
• Citibank charges no fees at all for transactions made at International ATMs (Some bank operators may charge a fee at the ATM, this is not a Citibank charge – many operators have fee-free ATMs overseas) or in-store purchases. There are no withdrawal fees or commission rates at all. Most other banks charge these. This makes Citibank very attractive to travelers overseas, as banks can slug up to $5 for withdrawing cash at an ATM plus up to 5% of the amount withdrawn in fees.
• International money transfers are fee free to any account anywhere in the world (the receivers own bank might charge them a fee, and that's down to that recipients' bank rather than Citibank itself).
• Transfers to other Citibank accounts overseas are free and instant in 25 countries.
• It belongs to the Citibank Dining Program where users can get a free bottle of wine at certain restaurants that are part of the program.
• It has no monthly fee or minimum opening balance.
• It has unlimited fee-free transactions (BPay, Bank@Post, bank transfers using online banking etc).
• Within Australia – ATM withdrawals from own ATMs, Westpac Network ATMs (Westpac, St George, BankSA, Bank of Melbourne etc.) ANZ, Commonwealth Bank, NAB, Bankwest (excluding 7 Eleven which charge $2.50 per withdrawal), BOQ (excluding BP garages which charge $2.50 per withdrawal), Bendigo Bank, Macquarie Bank, ME Bank, Heritage Bank and IMB Bank are fee-free.
• Daily transfers and withdrawal limits are set at $10,000 (online transfer) and $1,000 (ATM/EFTPOS transactions) upon opening of the account. Please note that you may request to increase your transfer and withdrawal limits, however, it will be subject for review and approval.
• You can link up to 3 more savings accounts to Citibank Plus account upon creation for free that carries a higher interest rate (Current Interest Rates).
• Bank deposits can be made at NAB Branches and Australia Post. At the Australia Post, you can also use giroPost. Just present your Citicard/Visa Debit CitiCard linked to your savings account and tell the Australia Post staff that you'd like to make a giroPost transaction. Then you need to swipe your card and enter your ATM PIN to begin.
• Citibank now offers Apple Pay on Debit cards – Apple Pay.
• Citibank's online banking requires one-time passcodes (OTP) to use as well as a banking password.

International ATM Fees with Citibank Plus
as per 31 January 2020. Information in this section frequently changes. 

Argentina: There are no Citibank ATM's in Argentina anymore. Citibank was sold off as of April 2017. The Citibank ATM's in Mendoza are part of the EB ATM network and will charge the fee below. All ATMs have fees. There are two ATM networks in the country, Link and EB. Link charge US$6 for a withdrawal (~AR$232) and EB charges US$10 (AR$380). ATMs have a transaction limit of $4000 pesos. Some BBVA Frances (EB ATM) has a limit of $8000 pesos, but that depends on the area you are in. Many places will only accept cash. You can use your card at most supermarkets, and higher-end restaurants although some will only accept Visa cards and not Mastercard. When using your card at a store they will usually want to see ID and even if you use Chip-and-Pin you will still be asked to sign the docket and write you "ID Number" Passport or Australian Drivers license will do.

Armenia: Most banks offer fee-free. I have not encountered any fees when withdrawing from AmeriaBank or VTB Bank. Ararat bank also not charging a fee. Even those at the land borders.

Australia: No fee at Westpac (incl. St George, BankSA, Bank of Melbourne), ANZ, Commonwealth (and Bankwest except for at 7 Eleven which charge $2.50), and RediATMS provided by NAB or BOQ. Citibank ATMs are usually only at branches, which can be hard to find.

Azerbaijan: There is an International Bank of Azerbaijan that charges 1 Manat for withdrawals.

Bahrain: Citibank ATM in arrivals and also many in the malls. No fees.

Bolivia: Banco Mercatil Santa Cruz has free withdrawals and some of their ATMs will give USD as well. No branches in some smaller towns.

Bosnia And Herzegovina: Raiffeisen Bank ATMs charge a fee. Every other ATM I went to was fee-free.

Botswana: FNB ATMs were fee-free.

Brazil: Citibank branch in Rio was fee-free; no apparent transaction limit. Bradesco has fee-free withdrawal up to R$1,000. Banco de Brasil up to R$500 per day. But twice an ATM from this bank swallowed my money so I try to avoid it. HSBC also free but hard to find these days. Itau charges a fee.

Brunei: BIBD, HSBC and Standard Chartered fee-free.

Cambodia: There is no Citibank in Cambodia. Vattanac Bank ATMs charge US$4, while other bank ATMs charge $5 or more.

Canada: No Citibank presence in Canada but Vancity and National Bank of Canada ATMs offered me fee-free withdrawals on this Citi card. TD Bank no longer has fee-free withdrawals. In the Canadian Maritime Provinces, Newfoundland and Labrador, Nova Scotia, PEI and New Brunswick all have community credit unions (a blue sign). Their ATMs all permit fee free withdrawal. In the Newfoundland and Labrador capitol, St Johns, the community credit union was the ONLY fee free withdrawal available from more than eight different banks checked.

Chile: Didn’t find any fee-free ATMs anywhere, and many ATMs only allow 100,000 CLP per withdrawals, fee usually around 5USD. However, the card can be used in most places with no extra fees in Chile.

China: The following ATMs have all been reported fee-free (from Beijing, Shanghai, Guangzhou, Xian, and Xiamen): ICBC, Bank of China, Bank of Beijing, China Construction Bank (CCB), China Guangfa Bank (CGB). The one time I couldn't use the card was a Postal Savings Bank ATM in Shenzhen. There are also a handful of Citibank branches in Shanghai. Most ATMs have a maximum transaction limit of 2500RMB, and the maximum daily limit appears to be 5000RMB. Remember, your card is NOT automatically returned after your withdrawal. You need to press the eject/return button once you're done. It may not be an issue at ATMs but when using credit at POS Chinese machines require a 6 digit pin. This can be achieved by entering two zeroes before your usual pin ie “00XXXX”.

Colombia: Bancolombia is in most places, not always in smaller towns though. Can do multiple withdrawals of 600,000 pesos. They charge a 13,200peso fee on top of each withdrawal. Other banks seem to be using forced Dynamic Currency Conversion even though it is against the terms and conditions of Visa/Mastercard. On withdrawal of 600,000 pesos, this can cost you an additional $20-30AUD in a terrible currency conversion rate. In July 2018, Scotiabank completed the acquisition of Citibank Colombia. There are now no longer at Citi ATM's available but I was able to withdraw fee free at Scotiabank ATM and the limit was COP 800,000. Banco de Bogotá had a max withdrawal of 600,000 pesos with a 13,200 peso fee on top of it, but interestingly the fee was not charged on my account YMMV. The ATM asked to do a Dynamic Currency Conversion, but if you choose "No" it will charge you in pesos instead of AUD (November 2019).

Cook Islands: The most common ATM you'll find on Rarotonga when you land is Bank of South Pacific (BSP), and there is one in the carpark just outside the airport as the one right outside arrivals is broken. The fee is NZ$5.50 per withdrawal, but you have little other choice. Best to take NZD out in Auckland airport before you fly via BNZ ATMs.

Costa Rica: BCP ATMs accept Citibank and do not charge a fee.

Czech Republic: Raiffeisen Bank bought out Czech Citi's Card and Retail business in 2015, so no Citi ATMs anymore. Raiffeisen, Czech Savings Bank and KB ATMs tested to be fee free. Make sure to select NO CONVERSION option in ATM to use Citi's rate and not dodgy ATM one.

Denmark: Nordea ATMs did not charge a fee. Danske Bank charges a 40 DKK (~AU$8) fee.

Djibouti: All three ATMs I tried with different banks charged ATM fees. This includes both ATMs in arrivals.

Dubai: Dubai Islamic Bank ATM charges 25 AED fee (~AU$ 8); Emirates Islamic Bank ATM no fee.

Ecuador: Banco Pichincha has free withdrawals, multiple possible. Other ATMs charged around 2-3 USD per withdrawal (August 2017)

Egypt: Most ATMs are free to use (Emirates NBD,QNB, Commercial International Bank (CIB) Banque Misr), some do not accept this card (rare). Avoid Alexbank as it will ask you to accept their rate which is about 10% worse than the Visa/MC rate.

Ethiopia: Most ATMs are free, but some didn't work with the Citibank card. I had success with Dashen Bank and Zemen Bank. Tended to choose ATMs with guards nearby as many are not in great locations for your own security. Max Withdrawal is 4000 Birr/~$AUD180. Hotels tend to like and accept US dollars.

Fiji: BSP ATMs charge FJD10 for an international withdrawal. This is perhaps the best option.
ANZ and Westpac ATMs charge FJD15 per transaction.

Finland: No ATM owner fee at Otto ATMs. (As at June 2017).

Georgia: No ATM fees at Freedom bank, TBC or Bank of Georgia. Freedom has a low limit of 300 GEL.

Germany: Reported difficulty in finding a fee-free ATM – 'Targobank' apparently being the exception. Others have found no difference to the rest of Europe – ie. free ATMs everywhere.

Greece: Since the summer of 2018, three (Pireos, Ethniki/NBG and Eurobank) out of the four major banks of Greece started charging a withdrawal fee. In Feb 2019, the fourth (Alpha) started charging too. Expect to pay between €2 and €4 per withdrawal. Last I checked, some of the smaller co-op banks (e.g. Chania Bank, Epirus Bank, see full list here http://www.este.gr/en/group-of-co-operative-banks) did not charge. However, their ATM networks are very limited so you need to plan ahead.

Hong Kong: There are quite a few Citibank branches around Hong Kong – Tsim Sha Tsui, Causeway Bay, Central, Admiralty, and Mongkok. There are also Citibank ATMs on the arrivals level of Hong Kong International Airport. These obviously fee-free. All these branches have Citi ATMs. The card can also be used fee-free in HSBC, Bank of China, Standard Chartered, ICBC and Hang Seng Bank ATMs. It is also fee-free regardless of currency withdrawn (HKD or RMB). HangSeng (and I suspect other non-Citibank atm) are fee-free. However, their rate wasn't as good as the Citibank ATMs. There was around 1% spread in the conversion (Nov 2019). Typically there is a HKD2500 maximum per withdrawal on most ATMs (one had a HKD4000 limit), however, the denomination of the notes given is mixed if drawing more than HKD2000 – eg. one Bank of China ATM for a HKD2500 withdrawal issued 4x HKD500 and 5x HKD100 notes. ATMs usually issue HKD500 and HKD100 notes (some machines that do not issue Chinese RMB100 notes will issue HKD1000 notes but some retailers won't accept those notes due to forgeries).

India: There is a limited presence of Citibank in major cities. For e.g. at Connaught Place in Delhi and a few around Jaipur. There was a Citibank ATM near the entrance to the City Palace and Jagdish Temple in Udaipur. There is a Citibank ATM in Mumbai, out the front of the Godrej IT park in Vikhroli. Bank of Baroda, Bank of India,State Bank of India, Union Bank of India and Canara Bank ATMs do not charge fees. HDFC, ICICI and Kotak Mahindra bank ATMs charge a 200 rupee fee.
Axis bank says a fee will apply but does not give an amount. 250Rs was charged.
Induslnd Bank (located at T2 arrivals hall in Mumbai)gives no warning of a fee but charged 236 rupee. Punjab National Bank gives no warning of a fee, but charged 150Rs. Fees are packaged in with the exchange rate on Citibank card and will show as AUD0.00 fee, but you have still been charged. Typically only 2000 and 500 rupee notes can be withdrawn from ATMs, some ATMs also dispense 100and 200 rupee notes.

Iceland: Islandsbanki ATMs charge 175 ISK (June 2018). Tomato ATMs charge 220 ISK.

Indonesia: Avoid Commonwealth Bank, ANZ & Permata who charge fees. Recommended in order first to last, BCA, Mandiri, CIMB/Niaga, BNI, Danamon, Mega to withdraw without paying fees. Be careful as the machines usually dispense cash before they give your card back, or may ask you if you would like to process any other transactions before returning your card (but your options are limited in what you can do at an ATM compared to regular Indonesian cards). If you take the cash and are busy stuffing it in your wallet, the machine may eat your card. (Feb 2019) – Permata bank charge a fee of 49,000 RP. Note that this adds it to the total amount withdrawn instead of a separate transaction so ING will not be able to refund this.

Israel: ATMs in convenience stores will charge 6.9 ILS with a maximum 400 ILS per transaction (Aug 2017). Israel Discount Bank (green colored), Bank Hapoalim and Mizrahi Bank ATMs are free to use. There is a Bank Hapoalim ATM in the luggage carousel area of Ben-Gurion airport (April 2018).

Italy: The was no fee using a UniCredit ATM at Fuimicino Airport arrivals, however outside the Vatican a UniCredit ATM wanted a fee. No fee at BCC Di Camibiano.

Japan: It can be difficult to find an ATM that will take foreign cards, especially in rural areas. It is wise to have backup cash. The most commonplace fee-free ATMs that take foreign cards are Seven Bank and JP Bank. Note: As of Feb 2018 Seven Bank and pretty much every other ATM now charges a fee.

Note: As of Feb 2018 a 108 yen fee for 10,000 yen withdrawals and 216 yen for 20,000+ yen withdrawals. (Sep 2018) Most ATMs have a 10,000 yen minimum withdrawal (and then in multiples of 10,000 yen), though 7-Bank ATMs at least give the option to withdraw 10,000 yen as 10x1,000 yen notes (select that option on the ATM touchscreen). Previously (at September 2017) smaller withdrawals were possible (eg. 5,000 yen) but this is no longer possible.
(April 2019 – 7-Bank back to fee free again. All the one i been to at airport, nagoya, kyoto, Osaka train station and large shopping centres have english button and take foreign card)
(December 2019 – 7-Bank back to charging a JPY110 or 220 fee – suspect in place since goods/service tax went up to 10% in October 2019, as it is basically a JPY100/200 fee plus tax).
Seven Bank ATMs are found in most 7-Eleven stores, some subway stations (in Tokyo at least) and Narita Airport Terminal 2 arrivals area. They do have some other standalone ATMs around the place (noted in Osaka in a couple of shopping malls).
An English ATM locator is available here: http://pkg.navitime.co.jp/sevenbank/?lang=en
From 28th May 2016, the limit per withdrawal has been lowered to 50,000 Yen for all overseas issued cards.
31/12/17 Seven Bank ATM seem to have upped withdrawal limit to 100,000 yen and no transaction fees. Used in Sapporo withdrawing 80,000 no problem.
JP Bank ATMs are at Post Offices and many railway stations. Unfortunately, from Jun 20, 2016, single transaction withdrawal limit will be 50,000 Yen.
More info here: http://www.jp-bank.japanpost.jp/en/ias/en_ias_index.html
Citibank itself does not exist in Japan as it was taken over by SMBC. Look for ATMs with the label 'Prestia'. ATMs with just 'SMBC' label won't accept Citibank cards, it has to be 'Prestia'. ATM locator here: http://www.smbctb.co.jp/en/banking/branch_atm/search/index.html
Lawson now offers international withdrawls at some ATMs – see http://lawson.jp/en/news/detail/1279919_3566.html. There is (as of September 2017) a 216 Yen withdrawl fee with the Citibank card.
Kyoto Bank and EPOS ATMs wont accept the card for withdrawls.
MUFG charges 200 Yen for withdrawls.
The pink Aeon ATMs don't charge any fees – if using these, make sure to press the International card option as it may reject your card otherwise (May 2019)

Jordan: There is only a limited Citibank branch/ATM presence. Cairo Amman Bank ATMs charge no transaction fee (Edit: As of Aug 2017, Cairo Amman Back charges JOD5 per transaction)
Most ATM will charge JOD5 per transaction (Arab Jordan Investment Bank), some will charge JOD3.5 (Housing Bank). Jordan Commercial Bank charges JOD1 Confirmed Nov17. 250JOD was the limit I could get from any ATM I used in Jordan. If I tried for more the ATM advised me my daily limit had been reached and would not process the transaction. Even though I did not have this limit set by Citibank.

Kyrgyzstan: Not seen a Citibank at all. ATMS all work, some charge. Demir Bank seems to have high withdrawal limits (25000COM) and can give USD too, for no fees. Tried to always use Demirbank where possible but some others do not charge either.

Kenya: Aug 2019 – Standard Chartered does not charge a fee and gave better rates than the best money changer I found, Kenya Commercial Bank (KCB) charged the equivalent of AUD$9 for the 40,000 KES max withdrawal I made.

Korea (South):
(2016) Woori Bank in South Korea takes a 3600 won fee to withdraw. Many ATMs are labelled “global ATM” in addition to bank branding. These ATMs allow language selection, upon choosing English, there is a choice of domestic or foreign card. If you choose foreign, The ATM advises there will be a fee of KRW3600. If you choose domestic, an error message will be displayed after entering your pin. I successfully used BNK, IBK (Industrial Bank of Korea) and Woori Bank ATM direct charge fees are built into the exchange rate and not listed as a separate fee. .

(Apr 2017) South Korea – IBK (Industrial Bank Korea), BNK, Woori Bank and Korea Construction Bank all accepted the card if you choose international card option. I was charged W3600 fee. If you choose domestic card the transaction will fail.
Another note, certain ATMS (i.e. 365 global except for the airport) would not allow me to withdraw more than 100,000won.
My understanding, Korean banks will charge their own customers a fee if it's outside of business hours. (8am-5pm).

(May 2019) NH NongHyup Bank ATMs do not charge a fee.

Citibank 365 – okay this is really confusing, there are two types of Citibank ATMs – one of which is fee-free. They have a different main screen and the easiest way to differentiate is 'Foreign Card' will be listed in two ways:
1) Foreign Card (CUP) – if you see this on the main screen , it is NOT fee-free there will be a ATM fee. You can follow all the prompts, press Citibank, select checking account, withdraw, a message will appear "Citibank is free for all GLOBAL clients" but it will prompt you prior to confirming the amount it will clearly state that it will incur a fee for this transaction.
2) Foreign Card (English) – if you see this on the main screen, proceed, press Citibank (not VISA), choose Checking Account, withdraw, a message will appear "Citibank is free for all GLOBAL clients" and that's it. You'll receive your withdrawal!

Citibank's exchange rates are 1-5 won off the live exchange rate given on Google.
The VISA rate is relatively bad – you're better off withdrawing. I was going through my Citibank statement and the calculations made it out to be 875 won on days where it was 890 etc.

In Korea they have ATM's and Cash Dispenser Machines.
Many train station in Seoul have a Citibank ATM. They will also have a Citibank Cash Dispenser. You can withdraw from a Citibank ATM free of charge. You will incur a fee if use a Citibank Cash Dispenser.

(Nov 2017): Another note, certain ATMS (i.e. 365 global except for the airport) would not allow me to withdraw more than 100,000won.

(Jan 2018)
Lotte ATMs at 7/11s allow fee free withdrawals for Citi customers. Particularly helpful because many Citbank branches are closed down and NICE ATMs don't do fee free withdrawals for Citi customers anymore. The only cons for Lotte ATMs are that you can only withdraw 100k won per transaction and only dispense 10k won notes so if you are withdrawing a lot at once and dont want to carry bulk of cash, it might be better for you to look for a Citibank branch, esp if you are in richer areas of Seoul and business districts where branches still remains.

Kuwait: No fees from ATM in the Visa on arrival area. Only allows 30 KWD withdrawal and all in 1 KWD notes fro visa stamp vending machine. Boubyan Bank does't work with Citibank or other Australian cards tried. NBK (National Bank of Kuwait) works well and no fees.

Laos: No Citibank or free ATMs found in Laos. Rates also appeared to be different between different ATMs, but BCEL Bank seemed to be fair with a standard 20,000Kip ($2.80) ATM fee.

Lebanon: Lots of ATMs to choose from. Most ATMs will give you a choice of US Dollars or Lebanese pounds. Blom bank and Fransabank did not charge any fees. Bankmed at the airport wanted a USD$5 fee to withdraw USD. Avoid MEAB, as the ATM warns a commission may apply but does not reveal the amount until you proceed and get your receipt. I was charged a USD$14 fee for withdrawing USD$400. Upon querying the bank, they advise they charge 3% commission for foreign cards. Most ATMs offer a choice of English, French or Arabic language. They dispense LBP 20,000/50,000 notes and USD $20/$50 notes. Either USD or LBP are accepted at most shops and exchange rate is fixed at USD$1=1500LBP.

Lithuania: I used SEB ATMs twice and had no withdrawal fees.

Macau: There are fee free ATMs available.

Malawi: There are no Citibank ATMs. More banks accept Visa than MasterCard. Of the banks I have tried they seem to charge 2900 MWK (Kwacha) per transaction (around $6 at the time of writing). ATMs dispense 2000 Kwacha notes with a limit of 80,000 or 120,000 per transaction depending on the bank. Bring cash, as the cash exchange rate is slightly better than the official rate (for USD this is only valid for large notes). Not all money changers accept AUD however, and though one at the airport does, it may be closed by the time you get through immigration.

Malaysia: There are Citibank ATMs. CIMB (confirmed Dec 2019), Maybank (confirmed no fee Jun18), Ambank, Hong Leong Bank (confirmed no fee Nov 2019) and HSBC are fee-free. MEPS Bank said there would be a fee but didn't say how much. Feb19 – ATM warns there may be a fee, but does not charge one. Islam Bank rejected the card. Citibank HQ located next to Ampang Park metro. ATM's work fine There are many banks/ATMs at least in Kuala Lumpur so likely others that are fee-free (September 2016)

Maldives: Habib Bank (there's one at the airport) is fee-free. Bank of Maldives charges 100 Rufiyya (over $9 as of July 2017).

Mauritius (inc Rodrigues): Barclays Bank charges a fee of 120 Rupees (it warns you and asks whether you wish to proceed). MAU Bank is fee-free. SBM Bank is fee-free. Unsure of other banks.

Mexico: Banamex (which is owned by Citi) ATMs do not charge a fee. (December 2017 update: All ATMs in Playa del Carmen and Merida charge a fee. CIBanco charged the lowest fee of MXN17. Card skimming is very common, therefore it is advisable to only use ATMs located inside banks).

Myanmar: No Citibank here. Most ATMs charge 5000 Kyat = $5.

Morocco: No transaction fees for BMCE. Attijariwafa bank appear to charge no transaction fee but it incorporates the fee by giving you a much reduced rate.

Nepal: Nepal Bank Limited does not charge fees. Himalayan National Bank and Nepal SBI Bank charge 500Rs fee. ATMs are often found in ATM "Lounges" which will have 6 to 8 different ATMs, most ATMs will not accept international cards at all. For those flying into Kathmandu you can pay for your Visa on arrival with a credit card. There is one generic brand ATM in the airport before customs but it is frequently out of order or drained of cash within hours of being refilled. Once outside the airport there are two ATMs in the airport complex however both only accept Visa and not MasterCard. It is worth bringing some cash for a taxi, although you can usually convince a taxi driver to take you to an ATM before dropping you at your hotel.

Netherlands: ING Bank do not charge a fee (tested at ATM in Amsterdam Sep 2015), Rabobank (Oct 2019) and ABN Amro also don't charge a fee (they may be unmarked but tested in Jan 2017) – most other ATMs don't appear to charge a fee either but check before using as normal.

New Zealand: BNZ ATMs are fee-free (re-confirmed June 2019). ASB and ANZ ATMs charge NZ$3 per withdrawal for international cards (re-confirmed as of January 2019, ANZ reconfirmed June 2019). Westpac and KiwiBank now charging a $5 fee (confirmed May 2019). BNZ ATM had a lower limit of <$NZ400 (as of November 2018).

Norway: No ATM owner fees at Nordea ATMs (as of June 2017).

Oman: as of Sept 2017 I could not find any ATM anywhere that accepted CitiBank Plus Visa card. I tried multiple banks without success. ING Visa debit card works fine.

Papua New Guinea: BSP and ANZ charge about PGK15-20. There are no fee-free ATMs.

Peru: Those in supermarkets, etc., may not work. Transaction limits may apply, but repeated transactions possible. Multired – Banco de la Nación – No fees. Max 400PEN (As of Aug 2017). A Banco de la Nación ATM swallowed our Citibank card after one (possibly incorrect) PIN attempt (Mar 2018). BCP – 13.50PEN fee. Max 700PEN (As of Mar 2018). Limit of one withdrawal per month. One ATM in the Tourist Services BCP branch in Cusco's Plaza de Armas is not subject to that limit. They can also do fee free USD withdrawals over the counter for Visa cards (not MasterCard).
BanBif – 20PEN fee. Max 700PEN (Mar 2018).
Scotia Bank – 18PEN fee. Max 400PEN (As of Mar 2018)
Interbank – 20PEN fee. Max 400PEN (As of Mar 2018)

Philippines: The standard withdrawal fee for ATMs in The Philippines is P250 (around $A6.50).
Citibank ATMs do not charge a fee but there are only a few in the country.
Check – https://www.citibank.com.ph/gcb/deposits/depotransition_branches.htm (Make sure you click ATM after you click the link).
Manila Locations
– Terminal 3 Departures (NAIA), behind check-in counter E15. Note you have to show itinerary to get into the check-in area so may not be so good if you have just arrived. The guard may let you in anyway. Max P15,000 at a time but can withdraw multiple times without occuring fee.
– Greenbelt 5 (Makati). West section next to BPI and Metrobank.
– Sofitel Philippine Plaza (Pasay City) – L/G floor
HSBC is reported to allow P40,000 (Limit will also depend on your withdrawal limit from Citibank, also free last used November 2017)
It should be noted that most ATMs will limit withdrawals to P10,000.
BPI is common and will allow you to withdraw P20,000.
BDO, Metrobank are common but will only let you withdraw P10,000.
Some banks will simply add the P250 fee to your withdrawal amount. Other banks you might see on your statement withdrawal fee 0.00, the fee has simply been incorporated into the transaction, but you have certainly been charged the P250 withdrawal fee.

Poland: In Poland Citibank goes by the name Citi Handlowy and Citi ATMs can be found in most major cities, usually as part of a branch (in recent years the location of branches has shifted steadily away from main streets to shopping centers). The Citi ATM withdrawal limit is fixed at PLN 2,000 but multiple withdrawals are permitted and there are no ATM charges.
Important: when selecting CURRENT ACCOUNT (as opposed to other options like Savings or Credit) during a Citi ATM withdrawal it appears that Citi sets the exchange rate internally and you should consistently receive a better exchange rate on your withdrawal than the official Mastercard rate. In fact, the rate appears to be the mid-market rate.

Portugal: Bank ATMs do not appear to charge fees, but all machines have a EUR200 withdrawal limit. Two transactions a day are allowed though, so the maximum daily limit is EUR400. (December 2017)

Qatar: QIB does not charge fees. There is a QIB ATM just outside the airport and ATMs are easy to find in most city areas.

Russian Federation: Most banks seem to not charge fees, tested ATMs are of Sberbank and Alfa Bank.

Singapore: There are Citibank ATMs in almost every MRT Station, these do not charge a fee. I also tried using various other brand ATMs (which are everywhere in Singapore) and was not charged a fee. DBS, POSB, OCBC now charges a SGD$5 fee. UOB has a SGD$200 minimum withdrawal if you choose credit. ICBC ATM in the Changi arrivals hall dispenses SG$10 notes with no additional fee, which is useful for the MRT ride from the airport as ticket machines only accept cash for single trips. HSBC is fee-free (Oct 2019). One of the ATMs in terminal 3 arrivals wanted to charge $9. Can't remember which. I thought it was OCBC.

Solomon Islands: ANZ charges S$60 and BSP charges S$55. There are no fee-free ATMs.

South Africa: FNB was fee-free as of January 2018. ABSA has a R40 fee, Standard Bank charges R50. All ATM's at Tambo charge R50. FNB is limited to R2000 withdrawal, NED is much higher. It appears that even though every ATM from every bank charge R50 and appear on the receipt, no fee actually shows up on the Citibank account. Banks tested, NED and FNB.

Spain: Many Spanish banks charge fees including Caja Rural €1.50 (Feb 2019), Popular €1.50, Caixabank €5, BBVA €3, Targobank €3, Santander €5 (though some still report fee-free). Bankia charges €1.75 (Apr 2019).
Bankia reported to be fee-free (Jan 2019). -reported ‘unable to assist’ when Dynamic Currency Conversion was declined.
Some smaller banks including Caja Rural – no longer may remain fee-free, as do the foreign banks Deutsche and Barclays. (October 2017)

June 2019 update:
Bankia €1.75
Euronet (in a lot of train stations) €2.95
Sabadell €4.50
Santander €5
CaixaBank €5
BBVA €6

Sri Lanka: Updated June 2018. There are no Citibank ATMs around (there is a Citibank office in Colombo however). Note that Lankan ATMs spit out mostly 5000 LKR notes and then a mix of 100, 500 and 1000 for the first 5000 or balance thereof. This is very helpful and avoids you needing to break a large note immediately. Additionally, the banks will happily change the 5000 notes into smaller notes. Basically, the 5000 Rupee notes are only useful for paying accommodation bills and car hire use or park fees that are often close to 5000.
ATMs are very widely found around Colombo and its suburbs. Also easy to find in places like Kandy. Most decent-sized towns seem to have ATMs too. Peoples' Bank and Bank of Ceylon are everywhere, even in small regional towns.
Union Bank is fee-free but only works with Visa. Citibank MC gave "Transaction not allowed" message. Also tested ok with HSBC global and ING orange, both of which are Visa.
Commercial Bank charges 300LKR(not to be confused with Commercial Credit Bank which rejects the card)
Hatton Bank (HNB) charges 200LKR – confirmed charges a fee. Confirmed June 2018
HSBC says a fee may be charged but does not give an amount. No fee is actually charged. Unsure of how many ATMs there are but found this one at Liberty Shopping Plaza in Colombo on the outside of the plaza building. There is also a HSBC in Kandy. Confirmed no fee charged June 2018
Bank of Ceylon (BOC) has no fee and has always worked for my Visa card. They have a strong regional presence including Polonnaruwa, Ella, Tissa, Sigiriya. A branch was under construction at Nilaveli (north of Trincomalee)in June 2018. Confirmed no fee and working with Citibank MasterCard, ING Orange and HSBC Global May18
Sampath/SET charges 400LKR
Seylan Bank charges 200LKR
Peoples Bank was fee-free, also tested with HSBC Global and ING Orange. Available in most towns and cities, including Ella and Kandy railway stations.
Nations Trust Bank rejected the card
Regional Development Bank rejected the card
NDB is fee-free but only works with Visa
Cargills bank (located at selected Cargills supermarkets in major cities only) only works with MC and charges 300LKR
If an ATM displays a fee amount, you will be charged, but it will be packaged in with the currency conversion and show as $0 fee on your Citibank statement. If an ATM says a fee may be charged but does not disclose and amount, no ATM operator fee will be charged.
Every other ATM (about 4-5 others I tried) rejects the card completely. I didn't try any other cards issued from other banks but when I was at the airport there was a huge line of tourists waiting to use the Commercial Bank ATMs, no one used the others right next it to it so I can only assume their cards were rejected as well. Update – the ATM to the right of the Commercial Bank ATM works though charges at 400LKR fee.
Be aware that different banks have different withdrawal limits.
Commercial Bank allows at least 50,000 LKR (rumor was that the limit is 80,000)
Sampath Bank limit is 20,000
HSBC limit is at least 50,000 LKR but I recall it saying the limit was much higher again. It even helpfully tells you notes it can currently dispense.
Sweden: No ATM owner fee from KONTANTEN ATM at the petrol station. No ATM owner fee at Nordea ATMs (as at June 2017).

Taiwan: Used the following ATMs without charge Citibank, First Bank and Standard Chartered. Rates were < 1% of XE cross rates and I selected Credit every time. I tried other ATMs but they charged a 100NT fee.
Update June 2019:
Cathay United Bank (Green tree logo on yellow background) Fee-free. Commonly found at Taipei MRT stations.
Union Bank of Taiwan – Fee-free.
Taiwan Co-Operative bank – Fee-free.
CTBC ATMs (red circle with "we are family" on aqua background) are in most 7-11 stores but charge NT$100.
Chunghwa post ATMs and E. Sun bank canceled the transaction.

Thailand: Most ATMs charge substantial fees for foreign cards (eg. ~180-250 Baht or $6-10). Maybank appears not to. Aeon ATMs used to be free but are no longer. Bank of China ATMs may be fee-free (only works with MasterCard).
Citibank ATMs are fee-free, but are only available in 3 locations in Bangkok (see https://www.citibank.co.th/en/static/Location.htm), not elsewhere in the country. Note that the Interchange 21 branch (opposite Terminal 21 shopping mall) has two sets of ATMs, one set is inside the branch and is only accessible during banking hours, another set is near the entrance and can be accessed 24/7. This branch is easy to walk to from both the Asok BTS station and the Sukhumvit MRT station.
Most banks and currency exchange windows displaying the VISA logo will do over-the-counter withdraw (VISA cash advance) fee free, as long as you present your passport and withdraw enough (eg. 5000 baht). Check the receipt for any fees before signing!

Timor-Leste: ANZ charges about US$7 per withdrawal. The BNU ATM accepted this card and could withdraw cash without any fee! (July 2016)

Tonga: BSP and ANZ both charge TOP12. ANZ has a maximum withdrawal limit of TOP900 that converts to roughly AUD550 (October 2017)

Turkey: AKBANK, Ziraat Bank ATMs are free to use.
Turkish Bank (Türkiye İş Bankası) & Garanti Bank (Garanti Bankası) ATMs are also free to use. However, they would ask if you want to use their exchange rate instead, simply choose 'NO' and process with the card issuer's rate (Mastercard). (Sep 2017)

UAE: Most ATMs do not charge a fee. Confirmed with withdrawals from Emirates NBD ATM.

UK: Most ATMs here are fee-free. If you happen to strike the rare one that charges, it will warn you, so just be vigilant. Many machines make the point in big letters above the unit that they are fee-free. You will find ATMs on the outer walls of the major supermarkets, such as Tesco, Sainsbury's and ASDA. Another easy-to-spot ATM is the bright red Santander bank machine, which is all over the place. There is also NatWest in dark blue which is harder to spot in the daytime. Unlike Australia, you will find multiple banks' ATMs at airports. They are also to be found in railway stations and many London tube stations.

Ukraine: Most banks charge 1% fee for ATM withdrawals, known exceptions are Credit Agricole and UkrSibBank (BNP Paribas Group).

USA: Citibank branded ATMs are fee-free. These can often be found in 7/11s, in some Target stores, and in some CVS / Walgreens / Duane Reade pharmacies – check the Citibank US website to be sure. In some cities (e.g. San Francisco, New York) it is also easy to find Citibank branches.

Non-Citi ATMs will generally charge a fee (I’ve seen anywhere from 1.50 – 4 USD). Note that if you run short on cash pretty much everywhere in the US lets you pay by card – remember to process it as Credit and not Debit.

Vietnam: Citibank ATMs are easy to find in Ho Chi Minh. In Hanoi, there is now only a Citibank ATM at the JW Marriott hotel that is located away from the old quarter. Other fee-free ATMs are few. Be careful many ATMs don't warn you there will be a fee, it will only come up on your receipt which is too late

Citibank – fee free
VPBank – fee free, no withdrawal limit. Confirmed Oct 2019
DongA Bank – now charges 20000VND fee as of Oct 2019. Confirmed working but with 3,000,000 limit per day (as of April 2017)
Maritime bank – fee free with limit of 3'000'000 VND June 2018
AB Bank – rejected card Jan 2020
Agribank – fee 22000VND and 3000000VND withdraw limit Mar 2018
Shinhan Bank – fee 20000VND
IVB Bank – fee 20000VND – No warning of a fee
Sacombank – 1.5% of the transaction or a minimum fee of 30000VND
SeABank – fee 33000VND – No warning of a fee
ACB Bank – fee 55000 and a 3,000,000 limit Jan 2020
ANZ Bank – fee 40000VND
Commonwealth Bank – fee 40000VND
HSBC Bank – fee 50000VND
Vietcom Bank – fee 50000VND
VIB Bank – fee 50000VND – No warning of a fee and 2000000 VND limit Mar 2018
BIDV Bank – 4% of transaction or a minimum fee of 50000VND
SHB Bank – fee 55000VND – No warning of a fee
Techcom Bank – fee 66000VND
TP Bank – Rejected the card
Vietin Bank – Rejected the card
EximBank – Rejected the card
MB Bank – Fee charged afterwards April 2017
Zimbabwe: FNB ATM in Victoria Falls was fee free; Barclays was not.