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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%)
Go to Deal
Team Ozgiftcards on 16/03/2021 - 17:56 www1.citibank.com.au (3622 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

    • capslock on 23/07/2023 - 11:02

      I repay my card one day before the next Payall is due to come out by using Osko instant funds transfers.

      Then I wait for the bi-annual Velocity 15% transfer bonus.

      • chinawa111 on 24/07/2023 - 06:17

        Hey mate how do you get the Osko option to repay the card.

        I do Bpay but it takes 1-2 days.

        Cheers

        • capslock on 24/07/2023 - 08:41

          I have a Citibank Plus account.

          • samehada on 24/07/2023 - 09:09

            @capslock: they have closed my Multicurrency account even the AUD account and we can no longer open deposit account. So I now have no way to OSKO payment to citibank card.

          • chinawa111 on 24/07/2023 - 09:59

            @capslock: Oh right, fair enough

  • MrGarciaA on 01/08/2023 - 08:50

    Just got applied and got approved for the prestige card yesterday on 31 July. While Im waiting for my card to arrive was having a think about how to set up payall payments to a bank account I have access to and had a few qs:

    (1) Is it better to set up a single $20k payall payment in one transaction or over multiple transactions? Does a single payment of this level every month draw much attention from the card issuer?
    (2) If doing a single payment, would a date somewhere in the middle of the month say the 15 or 16th of each month be ok to avoid most pub hols? (fwiw im in nsw so i dont think we any pub hols that fall on the 15 or 16 of any month except for easter which is always hit and miss). I dont really care about maximising interest - im more interested in simplifying the process

  • cardiology on 01/08/2023 - 23:27

    Can someone remind me if my Citicard has $15000 credit limit, I shpuld set the monthly Payall to below like $14000 in order not to get the system to block my transfer? Or I can actually pay to the credit limit each month? Thanks.

    • leeroys_dad on 02/08/2023 - 06:20

      I have 15k limit, I set up 10k and 5k transfers

      • samehada on 02/08/2023 - 07:16

        you can setup another $5k from the same card to max out $20k/month limit. You can even setup $15k and $5k transfer.

        • leeroys_dad on 02/08/2023 - 07:26

          Oh good point! I thought I was capped at my credit limit, but maybe I just need to pay off 5k first to give me the balance

          • CyberMurning on 02/08/2023 - 09:39

            @leeroys_dad: i think it is OR
            see the post up there

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

  • powerhead on 02/08/2023 - 14:06

    Question on redeeming rewards points for those who have been in this game for a while:
    Given I have no travel plans in the next 12 months, hence no immediate interest in transferring to SQ/VA. Redeeming for flybuys is the best value, followed by gift cards (marginal difference) and redeeming for purchases (~25% more points required).

    Does Citi ever have any offers on gift card redemptions via their rewards portal? Something similar to flybuys or Commbank 10% off offers would be nice… or is it wishful thinking on my behalf?

    • Legoman on 02/08/2023 - 14:56
      +1

      FlyBuys is best value if you then redeem at checkout for $10 off or put on Flybuys card as FlyBuys cash. Citibank never do special discount offers that I've seen on their rewards portal. Everything on the Citibank store is poor value to use the points directly. FlyBuys store is better value than Citibank, but not as good as just using the points in store at Coles.

      Conversion to airline can be good value IF you need to fly somewhere. If not, then you may as well donate to charity instead before they expire in an airline programme.

      • powerhead on 02/08/2023 - 15:21

        Thanks mate. I seem to remember that flybuys redemptions at checkout do not count towards spend $xx get XYZ point promotions, is that still the case?

        I'm inclined to just redeem for Coles gift cards at 4.5% more points (20900 vs 20000) as that way it definitely works for fb points for spend & earn challenges.

        • Legoman on 03/08/2023 - 18:15
          +2

          Oh I have no idea about spend x, get bonus points promotion claptrap. I just let that bollocks take care of itself in the background. If it happens and I earn 3x points for buying Nescafe or whatever crap it is that week, then great. If it doesn't, then sucked in me, but I'd never know to be sad about it because I don't check or follow it. I am balancing and juggling so many balls in the air simultaneously at any one time as it is, that I haven't got the capacity to be pissing about with marketing/PR stunt rubbish on nebulus points schemes. I focus on maximising real money. If in doing that, some nebulus points get thrown my way and end up in my pocket, then I won't complain, but that's not the primary focus. I don't vary my shopping habits or chosen products based around what earns 3x or 4x points this week. I am a marketing person's nightmare customer to try and influence. Besides which I have so many points from focusing on maximising the $$$ aspect while disregarding the points, that an extra 450 points for buying Nescafe instead of Moccona one week is a drop in the proverbial ocean and makes no difference.

        • postman on 09/08/2023 - 23:51

          You can convert points to Flybuys dollar and when checkout choose card payment.
          Flybuys dollar works at Coles express too.

    • dein_gesicht on 02/08/2023 - 19:23
      +1

      You could sell those KF points for 1.5 cents per point on the classifieds here

      • powerhead on 02/08/2023 - 19:50

        not a bad idea, I actually have about 200k in KF expiring end of Oct IIRC

        • dein_gesicht on 03/08/2023 - 17:54
          +1

          Yeah def look at selling them

  • Legoman on 02/08/2023 - 15:03

    Just to disclose what Citibank won't disclose because Citibank are famously tight-lipped about anything that doesn't paint them in a flattering light, Citibank have imposed a $1 minimum repayment lower limit on ther credit cards via BPay. Previously there was no limit at all and any repayment amount would be accepted. This was changed sometime during July. This affects everyone who uses payments to their credit card via BPay to jump the hoops of their other banks who impose the modern disease of requiring account use before paying interest on deposits. Banks like Virgin Money & BOQ etc.

    • knobbs on 02/08/2023 - 15:25

      This happened well beyond July. I had this issue setting up my Virgin Money accounts. At least 2-3 months before then

    • Ozb101 on 02/08/2023 - 20:00
      +1

      I'm not sure what you mean. Can you give an example please

      • Legoman on 03/08/2023 - 11:05

        Try paying 99c to your credit card account by BPay and see what happens

    • leeroys_dad on 02/08/2023 - 21:07
      +1

      are you saying citibank reject repayments less than $1 made via bpay? and cannot bpay more than the balance?

    • capslock on 03/08/2023 - 07:10

      How common is it for anyone to have to pay a bill under $1?

      • Legoman on 03/08/2023 - 11:06

        Very common if you need to jump the hoops of other banks in order to get bonus interest, and BPay payments is one of the allowed methods to jump those hoops. See BOQ and Virgin Money.

        • andyman1908 on 03/08/2023 - 13:17

          I'll lend you the 99c (interest free) if you need it :)

          • Legoman on 03/08/2023 - 13:26

            @andyman1908: I'd regale you with the story of how I've just phuqued over ME Bank to the tune of $420.22 in denied interest for July by paying <$1 via BPay to my Citibank credit card 5 times in a row in under 3 minutes, but I fear I'd be wasting my time as you wouldn't get it. Would I bother to break step, bend over and pick up 1c lying on the ground? Probably not. Would I do the same for $420.22? Yes, yes I would, and I am not ashamed in the least to admit it.

            • fullmetal on 03/08/2023 - 14:15

              @Legoman: homeMe saving account no need transactions just 2k deposit and grow by >1cent. Maybe shoud move over it has 5.65% interest rate compared to 4.25% in saveMe.

            • andyman1908 on 03/08/2023 - 14:53
              +1

              @Legoman: Just friendly banter Legoman, no doubt you helped me with Payall questions I had on here so I mean no harm :) Good job on getting the $400 back!

              • thestig on 03/08/2023 - 17:36

                @andyman1908: I could be wrong but I get the feeling Legoman isn't a banter guy….what he is though is the guru when it comes to banking…he lives and breathes this and gets his rocks off over every cent he can screw out of them, which is what we're all here for!

            • leeroys_dad on 03/08/2023 - 17:35
              +2

              @Legoman: Please share - interested in the story!

    • CodeXD on 03/08/2023 - 20:49

      Bugger!! My payall got declined today! Sneaky Citi!

      They send you an SMS 3 days before they take the money out to make sure you have enough in your account. How are they sneaky…?

      You risked it by trying to keep the money in your offset or savings for an extra day and ended up costing you a month's worth.

      • Micky14 on 03/08/2023 - 21:12

        I did the exactly same thing as previous month. If it wouldn't have worked this way then I won't risk it. But it did go through without problems. How would I know it won't go through as I do the same thing.

        • wangasm on 04/08/2023 - 10:31

          I've found Citibank's timing of when they take out the funds can be sometimes random, so you cannot rely on it being the same every month.
          Need to be on top of their notifications and give some leeway.

          • Micky14 on 04/08/2023 - 11:11

            @wangasm: Yes. Now I know the mystery of their system. Will just pay back a few days earlier.
            And right they are not sneaky just there's some random you can't see.

            • Weasel on 04/08/2023 - 12:01

              @Micky14: Yes same here, I have scheduled the Payall 4 days after my statement due date and transfer back to the card on statement due date. The citi pay all ranges from early to on time in my experience.

            • timhn on 05/08/2023 - 00:01

              @Micky14: In Citibank defense, you're get a sms & email alert for each PayAll withdrawal at least 2 days before that so just have to make sure the fund available in your cc.

              It's appears random but actually the way Citibank ensure the money deposited into your account on the specified date or earlier. In order to do that, they withdraw from your cc 3 days before the scheduled date. Now if that date is fall into a weekend or holiday, then they have to withdraw a day earlier.

    • Legoman on 04/08/2023 - 11:09

      Too bad, so sad. I'm afraid to say, this is the price you pay for not reading and following all the experienced advice in here and instead winging it on your own thinking Citibank will do exactly the same thing from one month to the next to make it easy for you to game their generous system.

      I would take this experience as a learning prompt to now go back and read all the advice in here instead and figure out what you should have done.

      • Micky14 on 04/08/2023 - 11:13
        +1

        Yes. I was too naive to think how their system working. Always leave some buffer now.

        • dein_gesicht on 04/08/2023 - 23:04
          +1

          We all have stuffed up - all good buddy

      • wangasm on 04/08/2023 - 12:22

        To be fair this deal is now 21 pages long, so it's very convoluted with varying levels of accurate/inaccurate information being all over the place.
        There needs to be a central guide/wiki. Maybe I'll add one to my Citi rewards spreadsheet

  • leeroys_dad on 05/08/2023 - 07:08
    +2

    Because the end of 0% payall is nigh (31 Oct, unless extended), I thought I'd add the reminder to make sure your last payall payment ends in Sep 2033. This way you can add your final 0% Oct 2033 payall and have it running for 24 months.

    So you might need to cancel your last recurring payall, wait a day or 2 for Citi systems to sync, then create 2 recurring payalls from <your next avail date>-Sep 2033, and another Oct 2033-Sep 2035

    Ending in Sep 2033 might not be the best approach for the 1% who have beaten the system/maxed payments prior to point limits/aligned to statement dates etc. But out of interest, what will you do?

    • Legoman on 05/08/2023 - 19:43
      +1

      My current scheduled PayAlls end on 4 Oct 2033 which was the furthest out the Citibank system would let me go at time of setting up. I intend to wait until around mid-Oct this year and then see what can be added on to that fee-free and see how far out the system will let it go. I expect if nothing dramatic changes between now and then, that will be either a finish date in Oct 2035 or 2036, but I'm happy to wait and see what the landscape is in mid-Oct and then pivot as necessary.

  • mr_asstight on 05/08/2023 - 22:15

    Does anyone know if future dated PayAll transfers will still be free if setup prior to Oct when the free transfer promo ends?

  • Killua27 on 10/08/2023 - 07:43

    Looking for some advice with setting up multiple payall transactions.
    If I have one ending in 13th Aug 2025.
    Do I set my following one from 13th of Aug 2025 - 13th of July 2027?

    Or should I set it from 13th September 2025?

    Just don’t want to double up on the payall transactions.

    And if my statement period ends on the 12th would mean my due date is around 7th of the following month, is it a good idea to have the payall transactions to come out on the 13th?

    • leeroys_dad on 10/08/2023 - 08:04

      It is a good question, try setting the start to 15 Aug 2025 and see if it gives you an error. Then try 13 Sep 2025 and it would work.

      I suspect because money comes out a few days beforehand, the August 2025 payall will be processed. Anyway, that is my assumption.

      Don't forget to set a few 2 year batches to 2035

      • Killua27 on 10/08/2023 - 08:15

        I have it set up on the same date that it ends and there’s no error but haven’t tried to set it up the month after.. what have you got set up?

        • leeroys_dad on 10/08/2023 - 08:30

          I have set up to start in May 2025, expire in April 2027, then start a new one in May 2027 etc

          I'll have to check what happened with the last time it expired and restarted but I can't recall a skip in payments. In fact I remember a different email saying it was the last payment in my payall batch

    • theabcd1234 on 10/08/2023 - 08:26
      +1

      If you payall to the max amount possible (20k a month), then unless you have a 40k card limit, the start of the new payall transaction would decline as you won’t have enough credit.

      I’d set the next payment from 13th September 2025.

      Hope that helps.

      • Killua27 on 10/08/2023 - 09:36

        Thanks, I'll cancel and re-do them all.

  • Kzzzzz on 10/08/2023 - 12:05
    -2

    I have some newbie questions. Say I have a Prestige card, the statement date is 4th and the due date is 18th (Prestige 44 days interest free period).
    1. Say I make a payall transaction of 20k at 09/Aug, I will receive a statement on 04/Sep with 20k balance, due date 18/Sep. If I pay 20k back to Citi on 10/Sep, and make another payall transaction of 20k at 14/Sep. In this case, on 18/Sep, I still owe Citi 20k, but I did pay 20k back, will this be treated as overdue as the balance will be 20k instead of 0 on the due date 18/Sep?
    2. Which approach is preferred? A. Schedule payall after statement date 04/Sep, e.g. 09/Sep, and pay full balance before statement date 04/Sep. B. Schedule payall after due date 18/Sep, e.g. 23/Sep, and pay full balance before due date 18/Sep?
    Thank you.

  • mameimo on 11/08/2023 - 19:13

    Anyone receive a call lately from Citi regarding their Payall transactions?

    • BrunoBear on 11/08/2023 - 20:05

      Nope. What are the size of your payalls and what description+name did you use?

      • mameimo on 15/08/2023 - 18:39
        +1

        $19,000 in total each month. Random invoice numbers and used initials for the name.

  • CyberMurning on 11/08/2023 - 21:09

    @Legoman

    when i log in to my account i see:
    Last statement issued date:03/08/2023
    Minimum Payment Due:AUD 0.00
    Minimum Payment Due Date:28/08/2023

    so which one is my statement date? the 3rd am i correct?

    would you say my setup is okay?
    statement date 3rd of the month - (if not the 3rd i will try to change it)
    payall set at 8th of the month (just 1 time a month) - already setup till 2066

    cheers:)

    • leeroys_dad on 11/08/2023 - 22:55

      2066??? How did you do that

      • CyberMurning on 12/08/2023 - 09:11
        +2

        2033 sorry typo.. I will die before 2066 for sure

        • magster on 14/08/2023 - 12:42
          +1

          Lol that made me laugh. Imagine going through the rest of your life making sure Payall goes through each month.

          • CyberMurning on 15/08/2023 - 11:17

            @magster: no different than making sure i go to work 5 days a week for the rest of my life. thanks to mortgages and inflations :(

          • leeroys_dad on 15/08/2023 - 11:32

            @magster: At least in retirement he'll have enough points for multiple trips around the world

  • SamBargain22 on 14/08/2023 - 11:27

    @Legoman

    Hey,
    I recently got the Premier Card. My statement period is stated as 6 July to 6 August. I believe that the statements are generated on the 4th (that’s what the Citi representative told me over the phone). My minimum monthly repayment is due on 31st August.

    What would you suggest changing my statement day to or would you leave it as I have it now? I have read the long replies but get into a loop of confusion 😂

    • CyberMurning on 14/08/2023 - 11:54

      this is what legoman said in the past:
      https://www.ozbargain.com.au/comment/11307535/redir

      also:

      I have also moved my billing cycle so I can get my PayAll payment dates in just behind the statement date to maxmise the 55 day interest free I can keep the money earning interest for me before I have to pay it back.

      This is why a statement date at the very end of the month is a really bad thing to have. If your statement date is 28 for example and you want payment made on the new statement with 55 days interest free, then you have to schedule the payment to be on the first of the next month at least, which makes it a payment in the following month, not the current one, even though the payment actually takes place -3 days earlier in the current month.

  • CyberMurning on 15/08/2023 - 11:16
    +1

    received email citi plus ac will be moved to nab ac.

    i like citi plus because i can transfer $ from macquarie to citi plus in real time, then from citi i can pay off my citi cc, also real time.
    what will be the alterative for the above?

  • gadgetguy on 15/08/2023 - 12:38

    Got this today.

    "In June 2022, we, National Australia Bank Limited (NAB), informed our customers that we had acquired the Australian consumer banking business of Citigroup Pty Limited (“Citi”). As part of the next phase of the journey, your Citibank Plus Transaction Account will be moved to a similar NAB branded account. This is expected to occur by March 2024, however there are actions you will need to take now and in the lead up to this time to ensure you can access and manage your NAB branded account.

    As part of the changes, you will receive a notice of changes, your NAB branded account details, and a NAB debit card for each Citi branded account you have that currently has a Citi branded debit card. We will give you notice before we move your funds to your NAB branded account.

    While there will be some changes to your Citibank Plus Transaction Account, the essential features, including interest rates and product fees and charges, will remain the same.

    To make sure you have flexibility and sufficient time to familiarise yourself with your NAB branded account, we will be opening your NAB branded account before closing your Citi branded account. Once you receive your NAB branded account details, you will be able to complete the set up of your NAB branded account and start using it.

    Please note that if you hold other Citi branded accounts, including a deposit, savings and/or offset account, home loan, investment, credit card or personal loan, you will receive separate communications about changes ahead of time. If you have a Relationship Manager, they will continue to be available to answer any questions you may have."

    Note the final paragraph - they will be doing the same with credit cards. Seriously hope we will not lose our existing (fee-free) Payall arrangements…

    • leeroys_dad on 15/08/2023 - 12:41

      Sounds like the card will eventually be absorbed into a nab credit card, be good if they had payall function migrated to nab

      • CyberMurning on 15/08/2023 - 13:34
        +2

        had payall function migrated to nab
        im not so sure really. i think the chance is like 10%

        • gadgetguy on 15/08/2023 - 14:10

          Only hope is that with the bank accounts at least, it has the clause where it says:

          the essential features, including interest rates and product fees and charges, will remain the same.

          • CyberMurning on 15/08/2023 - 14:26

            @gadgetguy: you know other way to pay cc instant apart from citi plus ac? or we should discuss this later when the move is happening haha way too early now

            • gadgetguy on 15/08/2023 - 19:41

              @CyberMurning: Hmm, might be an issue when my Citi plus is moved to Nab and credit card is still on Citi…

        • Legoman on 16/08/2023 - 13:39
          +4

          I think you're being optimistic with your 10% chance. I see this development as the beginning of the end not just for this PayAll deal, but for the FFFL credit cards entirely as a thing. NAB is by far the most incompetent, underhanded and negative bank I've ever dealt with out of the big 4. I've never had anything to do with Commonwealth though, so they could be even worse without my knowledge. NAB's shockingly inept handling of the merger of UBank and 86 400 was by any measure, one of the most egregious displays of corporate incompetence ever witnessed in this country. It wasn't entirely unexpected because their management of UBank itself for the previous 10 years was an utter embarrassment too. Their ill-advised expansion into the UK market with what turned out to be Virgin Money PLC and then subsequent sell-off to cut losses and get out with their tails between their legs, was yet another embarrassment. The fact Virgin PLC shares suddenly ballooned up again as soon as NAB sold it was just icing on the cake. NAB and incompetence go hand in hand. The two are inseparable.

          I had UBank accounts from inception. Not even a loaded gun to my head would convince me to keep one now. I loved pushing my UBank card through the shredder. As I did my 86 400 card when that too was made useless by NAB. If you have something good and useful that you want to make utterly horrible and nasty, then you just need to sell it to NAB. They will fulfil that goal for you in record time.

          Rest assured that NAB will not honour fee-free products from former entities they've swallowed up. They will just transfer us over to the equivalent product in their own range, which will all come with heavy annual fees. If you don't believe me, then have a look at their current range of credit cards. They don't offer a single fee-free card under NAB branding. The wording on the NAB missive about the end of Citibank Plus shows their planning. The Citibank products will be ended and you will be assimilated into the NAB world with all the fees that entails. If you don't like that, you will be free to leave.

          How on Earth NAB got permission to close off as much competition in the finance/banking marketplace as they have done is incredible. Politicians need to be dressed in sponsor logo'd nomex like racing drivers, so we can all tell who owns them. Given that NAB now issue all Coles, Qantas Money, Suncorp Bank, Kogan Money, Citibank, UBank, 86 400 and NAB products (just as a bare minimum off the top of my head - there may be more I don't know about), I'm pretty sure the politicans are also owned by NAB.

          • CyberMurning on 18/08/2023 - 10:22
            +2

            @Legoman: agree thats why they gave all almost too good too be true payall offers because they know it will get cut soon anyway.
            in the meantime they get lots new customers, the book looks good.
            same tactics as dicksmith, etc.

            • Legoman on 18/08/2023 - 11:55
              +1

              @CyberMurning: Called a 'pump and dump'. Blow it up to bursting with shortlived, unsustainable but short term profitable optics and then quickly sell it before the effects wear off and anybody notices.

          • Reveen on 20/08/2023 - 12:22
            +1

            @Legoman: I received an apology letter from NAB over their handling of the UBank 86 400 merger with back paid interest - I'm thinking of framing it. Pricks.

  • Legoman on 17/08/2023 - 16:06

    Looks like the death knell is coming sooner rather than later. Just got an e-mail they're killing off the linked Diners Club card in October. It reads like NAB have no interest at all in continuing any relationship with Diners Club.

    • cashless on 17/08/2023 - 17:09
      +2

      2 Citi cards killed in the space of a few days. This is not looking good.

    • 1bargain on 17/08/2023 - 17:47

      I was just about to enquire about Diners. Man, I’m missing a lot of boats. Oh well.

      • f4te on 18/08/2023 - 10:14

        We want to let you know we will no longer offer the Linked Diners Club® Card from 16 October 2023. As a result, from this date onwards you will no longer be able to request to add a Linked Diners Club Card to your existing Citi Premier Card account.

        You still have a couple months to get one.

        My bad… looks like they'll be closing existing ones too! https://www1.citibank.com.au/ldcc-closure/faq

        We will no longer offer the Linked Diners Club Card from 16 October 2023 and as a result your card will be closed from this date.

    • hanofee on 18/08/2023 - 10:55
      +1

      More concerning in the near future, they're closing the Citibank Plus acc, replacing with NAB acc, though the email is a bit vague on the exact timing (by March 2024) . that means, we'd lose the PayId to pay back the card quickly if there are no more Citi bank acc? Any thought on what's the plan when that happen? As transfering via BPay to pay back the card will take 1-3 days
      Edit: Sorry didn't see the previous comment was talking about that too

      • hellwolf on 18/08/2023 - 11:04

        I BPay to my Citi credit card and as long as it is a weekday the balance gets updated at around 6am the following day. I normally get the Citi app notification at around 11am confirming they've received the payment.

        • hanofee on 18/08/2023 - 11:11

          I know, but there's no guarantee that might screw the timing if we leave it too close. Especially some of us who still had the old setting to do weekly or forthnightly to overcome the card limit :(

        • 1bargain on 18/08/2023 - 11:11

          If you Bpay before business hour closed, they count that day for transaction.

          “ The biller is required (under BPAY® rules) to treat your payment as being received on that same day. 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.”

          • hanofee on 18/08/2023 - 12:28

            @1bargain: Ur mixing up 2 different things though. That case was if u pay a bill, as-in they'd backdated it to the date ur sending, to avoid late payment penalty (if there's any). In this PayAll scheme, if the money is not there, even 1 minute late, the PayAll will fail and there's nothing they can do, eventhough ur BPay will still show u transferred on time due to that backdating reason

      • Legoman on 18/08/2023 - 11:11
        +2

        Just use BPay. It's not 1-3 days as suggested. It's overnight as long as you do it before 4pm or something. It won't be a problem for very long anyway because as soon as they've killed off the Plus account, their focus will shift to the credit cards and killing them off too, at which point your need to be pay back the card will disappear altogether.

        • yht on 18/08/2023 - 11:21

          From my experience, it is best not to setup automatic direct debit payment to pay off Citi credit card. Eg. Statement date is 15/8 and due on 25/8. They will still deduct your account on 25/8 even though you pay the credit card by bpay or direct transfer from Citi plus prior to 25/8.

          • capslock on 18/08/2023 - 12:24

            @yht: I agree with you but some people prefer a 'set and forget' automated approach even if it means giving up control. It really comes down to personal preferences and individual circumstances.

  • ceebs on 20/08/2023 - 22:06
    +2

    I can no longer set up a PayAll with a start date later than 26 Nov 2023 or an end date later than 26 Oct 2025. Is this the case for everyone else?

    • leeroys_dad on 20/08/2023 - 22:28

      Same! Loophole closed!

      • CyberMurning on 20/08/2023 - 22:52

        How come you havent setup this to the max?

        • leeroys_dad on 20/08/2023 - 23:01

          I had it setup to expire in Sep 2033 so that in October this year i could set up Oct 2033 for 24 months.
          So majority we captured already, but miss the icing on top!

          • BrunoBear on 20/08/2023 - 23:14
            +8

            @leeroys_dad: Willing to bet that this will be shut down well before 2033, so doesn't really matter anyway.

          • CyberMurning on 20/08/2023 - 23:15

            @leeroys_dad: Actually now i think again, max is 2033 otherwise i would had it setup longer if i could

          • b0b0 on 12/09/2023 - 17:32

            @leeroys_dad: How did you manage to set up to 2033? I could only schedule two years in the app 😔

    • Miroslav on 21/08/2023 - 16:16

      On my app as well. Damn, I've missed the boat - I wanted to set up future transactions in October. I doubt Payall in whichever form will last until 2033. Since seemingly NAB wants to get rid of Citi branding, Citi credit cards won't last past their expiry date. We'll all be issued with NAB credit cards - if we don't cancel them beforehand.

      Bloody banksters - there's never enough money for them: https://www.abc.net.au/listen/programs/radionational-drive/n… .

  • Homr on 21/08/2023 - 10:27
    +1

    So any payments made after 31st October will be charged a 2% fee?

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