Citizens Bank International

A basic, low-minimum-balance savings account for all individual Nepali citizens.

• Minimum balance NPR 100
• Interest 6.03% p.a. (rate varies)
• Interest on daily balance, paid quarterly
• NPR 100 credited by bank per NRB circular
• Eligibility: individual Nepali citizens

A zero-balance salary account for working professionals with bundled insurance.

• Zero minimum balance
• Interest 7.40% p.a. (rate varies)
• Medical insurance up to NPR 25,000 (hospitalization)
• Accidental death insurance up to NPR 300,000
• Designed for salaried professionals

A digital, eco-friendly savings account aimed at millennials and tech-savvy users.

• Zero minimum balance
• Interest 2.75% p.a. (rate varies)
• Fully digital, paperless eco-friendly product
• Targeted at young / tech-savvy customers

A savings account with a higher minimum balance and rate.

• Minimum balance NPR 1,000
• Interest 2.80% p.a. (rate varies)

A savings account exclusively for the bank's shareholders.

• Minimum balance NPR 100
• Eligibility: bank shareholders
• Free NPR debit card (Nepal, India, Bhutan)
• No restriction on withdrawal amount
• No charge on inward remittances

A savings account for Nepalese citizens residing or going abroad for employment.

• No fixed minimum balance
• No restriction on withdrawal amount
• Eligibility: Nepalis abroad / going abroad (valid visa)

A savings account designed for individuals receiving international remittances.

A savings deposit account.

• Minimum balance around NPR 100 (verify)

A savings account oriented toward rural/semi-urban customers.

A region-focused savings account for the Karnali area.

Financing for purchase, construction, renovation or extension of residential property.

• For purchase/construction/renovation of home or apartment
• Eligibility: salaried or self-employed Nepali citizens
• Borrower age 18 to 75 at loan maturity
• Self-employed: business operating min. 2 years
• Mortgaged property must have motorable road access
• Third-party collateral not accepted

Financing for purchase of private or commercial vehicles.

• Eligibility: salaried or self-employed Nepali citizens
• Borrower age 18 to 65 at maturity
• Commercial operators need 2 years' experience
• For private and commercial vehicles

A digital instant short-term loan offered via the Citizens Smart mobile app.

• Loan amount up to NPR 200,000
• Repay full amount within one month
• Collateral-free and paperless
• Apply via Citizens Smart mobile app
• Eligibility via Decision Analytics credit scoring
• For payroll/salary and savings account holders

An over-the-counter loan against gold jewellery or bullion.

• Against gold/ornaments of 22 or 24 carats only
• Borrower age 21 to 65 at maturity
• Easy documentation, across-the-counter process
• For contingent/productive financial needs

A collateral-free loan for personal or professional financial needs.

• Collateral-free (no security required)
• For personal or professional requirements
• Interest up to ~10.50% p.a. (rate varies)

Financing for meritorious students pursuing higher education in Nepal or abroad.

• Finances higher (professional/technical) education
• Covers studies in Nepal and abroad
• Covers up to ~80% of expenses (verify)

A loan aimed at uplifting living standards of underprivileged families.

Government-concessional loans for targeted groups such as women entrepreneurs and returnee migrants.

• Concessional / interest-subsidized loans
• For youth, women entrepreneurs, returnee migrants, Dalits, others

A loan scheme promoting local resources, skills and people.

• 14 product variants promoting local resources
• Supports local skills and community involvement

Financing for agriculture and enterprise activities.

Large-scale financing arranged jointly with other banks.

A rupee debit card usable on Visa and NEPS networks in Nepal and India.

• Works on Visa and NEPS ATM/POS networks
• Usable in Nepal and India
• Cash withdrawal, balance enquiry, mini statement, POS purchase
• PIN change supported
• Card validity 5 years
• Usable 24/7, 365 days

A US-dollar debit card accepted worldwide on the Visa network.

• Accepted at Visa terminals worldwide
• Linked to a USD account at Citizens Bank
• Available to Nepali citizens and foreign nationals

A secured domestic Visa credit card for payments in Nepal, India and Bhutan.

• Accepted in Nepal, India and Bhutan
• Usable at Visa merchants and ATMs
• Secured / convenient payment mode

The bank's mobile banking app offering payments, transfers and account management.

• Available on Android and iOS
• View balance and last 5 transactions
• Fund transfer via fonePay network
• QR payments and bill payments (utilities, NTC, etc.)
• Mobile top-up and cable TV recharge
• Instantly stop debit/credit cards
• Instant debit/credit transaction notifications

Web-based banking portal for account access and transactions.

• Online access to accounts
• Available at ctznbank.com.np

The bank's domestic and international remittance disbursement service.

• Web-based technology with instant updates
• Tie-ups with international remittance companies
• Partnerships with Nepalese remittance companies
• Thousands of cash payout locations nationwide
• Dedicated remittance department

Trade finance facilities including letters of credit and guarantees for businesses.

Buying and selling of gold and silver offered by the bank.

Agent-based banking reaching rural areas through branchless banking points.

• 97+ branchless banking locations
• Extends banking to remote/rural areas