Citibank® Junior Account.

Find A Great Way To Secure Your Child's Future.

Junior Account - Savings account for your child

Teach your child the basics of banking at an early age. The Citibank Junior Account can be opened for children below 18 years of age. All Citibank Junior Accounts must have a minimum of 2 holders (1st holder being the minor and 2nd holder being the guardian). The guardian should have an existing account with Citibank in order to avail this option.

Citibank Junior Account - Bank account for minors

Citibank® Junior Account

Top reasons to apply for opening a Citibank® Junior Account

  • Teach your child to manage finances and experience world-class banking
  • Great saving options through Systematic Investment Plans to secure your child's future
  • Citibank Junior Debit Card for children above 15 years of age

Say goodbye to pocket money in cash!

A Citibank Junior Debit Card (for children above 15 years of age) that gives your child a first hand experience of banking. Your child can use his/her Debit Card to:

  • Withdraw cash at all Citibank ATMs for free.
  • Make payments at his/her favorite merchant outlets in India and abroad.

Manage your child's finances

  • Set limits on your child's Debit Card to control expenses.
  • Issue standing instructions from your account to your child's account through our online banking platform.
  • Transfer money regularly to the Junior Account and invest the money in investment products such as, Deposits, Mutual Funds etc.

Anywhere, anytime account access

  • 24x7 customer service with CitiPhone Banking.
  • Free access to Online Banking.
  • Free Online Transfers to any bank account in India.
  • Savings at select restaurants/merchants on your Citibank Debit Card in India.

Plan for your child's future

Choose the ideal mix of investment products using Citibank's global expertise in investment. The Systematic Investment Plan (SIP)* works on the simple principle of maximizing your child's wealth while minimising risks.

Insurance Plan for your child

Plan your child's future with control over your Investments: Presenting BSLI Classic Child Plan/Dream Child Plan that helps you ensure that you can provide your child's education and support their aspirations.

This plan comes with a host of benefits:

  • Dual Insurance benefit with life cover available to you and your child.
  • 10 different Investment funds in the Classic Child Plan.
  • Built-in policy continuation benefit.

Benefits of opening your child's Investment Services Account with Citibank:

  • Assistance from certified Investment Counselors.
  • Access to comprehensive Financial Market Reports.
  • Access your investments anytime through Citibank Online.
If you're interested in opening a Citibank Junior Account, visit your nearest Citibank branch. Click here to locate your nearest Citibank branch.
  • FREE Citibank Junior ATM/Debit Card
  • Buy Health Insurance Online and save a transaction fee of Rs.195!*


This webpage is intended only for Citibank customers. Any and all facilities/services/offers mentioned on this webpage are subject to specific Citibank N.A. Terms and conditions. You are advised to contact Citibank N.A. to obtain and understand the applicable Terms and conditions and / or any questions you may have with regard to any information contained on this webpage. Citibank N.A. does not guarantee the accuracy, adequacy or completeness of any information on this webpage and is not responsible for any errors or omissions or for results obtained from the use of such information as contained on this webpage. Citibank N.A., Citigroup and / or any of their affiliates/associates have no liability whatsoever to any person on account of the use of information provided herein and the said information is provided on a best-effort basis. Citibank has the right to modify or drop facilities/services/offers mentioned on this webpage at any time without assigning any reason whatsoever.

Citibank Junior ATM / Debit Card is issued to minors who are 15 years and above. Please note that Citibank ATM / Debit Cards will be issued only if the signature requirement for account operation is Single or Either / Survivor. Minors are not allowed to carry out any transaction independently hence, it is the parent's / guardian's obligation to monitor the transactions done on the Junior ATM/ Debit Card. The parent/guardian of the minor are solely liable for any transaction done on the ATM/Debit card or loss / misuse of card and the same must be reported to Citibank at the earliest. The customer shall not hold the bank liable for any loss or damage suffered by the customer as a result of the transaction done on the Junior ATM/ Debit Card. For loss / theft of card, please contact CitiPhone immediately and visit your nearest Citibank branch for replacement of the card.

Citibank India does not market any product or service to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, UK and The Isle of Man. This webpage is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Monaco, San Marino, Vatican, UK and The Isle of Man.

*Standard Investment Disclaimers:
Investment products are not bank deposits or obligations of or guaranteed by Citibank, N.A. Citigroup Inc. or any of its affiliates or subsidiaries, are not insured by any governmental agency and are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices can go up or down. Investment products are offered / referred by Citibank N.A. on a non - discretionary and non participation basis. All decisions to invest and conclude transactions are based solely on the customer's independent analysis of risk factors.

Investors investing in funds denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Investment products are not available to US persons, Residents of Canada and may not be available in all jurisdictions. Mutual Funds are subject to market risk. Please read the Key Information Memorandum(s)/Scheme Investment Document(s) & Statement of Additional Information / Term Sheet / Prospectus carefully before investing.

Investors should ensure that they understand and accept the identities of different parties and the roles that they play in relation to the various Investment Product(s). There may be various actual or potential conflicts of interest between Citibank N.A. , India , Citigroup Capital Markets Ltd., Citigroup Inc. or their affiliates or subsidiaries (collectively "Connected Persons") and an investor of the Investment Product(s), as a result of the various investment and / or commercial businesses and / or activities of the Connected Persons. You shall be deemed to accept, on purchasing / subscribing / investing to a particular Investment Product(s), that any such conflict may exist and may be prejudicial to an investment in the Investment Product(s).