How can I get a Citi Simplicity cash advance? This question is about the Citi Simplicity® Card

You can get a Citi Simplicity Card cash advance from any ATM that accepts cards on the Mastercard network. To do so, insert the card in the ATM, then enter your PIN and choose the cash advance option. After that, input the amount, and collect the cash and your card. You can also get a cash advance at a Citibank branch, but make sure to bring a government issued photo ID with you. Here's what you need to know about Citi Simplicity Card cash advances: How to get a Citi Simplicity Card cash advance: You can get a cash advance at an ATM or by visiting your local bank branch. To get a cash advance from an ATM, you will need a PIN. If you don’t already have a PIN, you can request one from Citibank. Citi Simplicity Card cash advance fee: 5% (min $10) of each cash advance transaction. In addition to the Citi Simplicity Card cash advance fee, there may be additional ATM fees, depending on where you withdraw the money from. Citi Simplicity Card cash advance APR: 29.99% (V). There is no grace period, so the interest applies to your balance immediately and accrues daily. Citi Simplicity Card cash advance limit: Your cash advance limit will be a portion of your entire credit limit, which will depend on your creditworthiness. The full price of a Citi Simplicity Card cash advance is the fee plus the total amount of interest you end up paying. The sooner you repay what you owe, the less it will cost you. Cash advances are costly transactions, so it's best to reserve them for emergencies only.

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How can I get a Citi Simplicity cash advance?

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This question is about the Citi Simplicity® Card

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Bogdan Roberts, Credit Cards Moderator

@bogdan_roberts • 09/30/22 This answer was first published on 05/28/21 and it was last updated on 09/30/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You can get a Citi Simplicity Card cash advance from any ATM that accepts cards on the Mastercard network. To do so, insert the card in the ATM, then enter your PIN and choose the cash advance option. After that, input the amount, and collect the cash and your card. You can also get a cash advance at a Citibank branch, but make sure to bring a government issued photo ID with you.

Here's what you need to know about Citi Simplicity Card cash advances:

How to get a Citi Simplicity Card cash advance: You can get a cash advance at an ATM or by visiting your local bank branch. To get a cash advance from an ATM, you will need a PIN. If you don’t already have a PIN, you can request one from Citibank.
Citi Simplicity Card cash advance fee: 5% (min $10) of each cash advance transaction. In addition to the Citi Simplicity Card cash advance fee, there may be additional ATM fees, depending on where you withdraw the money from.
Citi Simplicity Card cash advance APR: 29.99% (V). There is no grace period, so the interest applies to your balance immediately and accrues daily.
Citi Simplicity Card cash advance limit: Your cash advance limit will be a portion of your entire credit limit, which will depend on your creditworthiness.

The full price of a Citi Simplicity Card cash advance is the fee plus the total amount of interest you end up paying. The sooner you repay what you owe, the less it will cost you. Cash advances are costly transactions, so it's best to reserve them for emergencies only.

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Bill Pyke, Member

@billrpyke • 03/05/18 This answer was first published on 03/05/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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It's 5% or ten bucks, depending on how much you withdraw. That's without the interest, because of course there will be interest.

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How much is the Citi Simplicity Card cash advance fee?

The Citi Simplicity® Card cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is charged when using the Citi Simplicity Card for cash withdrawals at an ATM, or in person at participating locations.

Bear in mind that when you make a cash advance, you will incur other costs in addition to the Citi Simplicity Card cash advance fee. There’s a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges.... read full answer

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How do you do a Citibank cash advance?

To do a Citibank cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch and ask the teller for a cash advance. For ATM transactions, you will need to request a 4-digit PIN from Citi customer service if you did not receive one after being approved for an account.... read full answer

It’s also worth noting that a Citibank credit card cash advance limit is different for everyone. You can view that information on your statement, online or by calling the number you see on the back of your card.

Here’s why you should avoid Citibank cash advances:

Cash advances are expensive, so it’s best to avoid them whenever possible. That’s true with all credit card companies, and Citibank is no exception. Citi’s cash advance fee is 5% (min $10). There may be additional bank fees if you withdraw cash from an ATM. There’s also a separate APR for cash advances. It’s typically higher than the card’s regular APR.

The Citibank cash advance APR can be as high as 29.99% (V), depending on the card and your creditworthiness. Cash advances accumulate daily interest from the time you make the transaction, with no grace period. New interest is added on top of any existing interest charges each day.

So, it’s best to pay off your Citibank cash advance as soon as you can, or better yet, just stay away from cash advances altogether.

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How much is the Citibank cash advance fee?

The Citibank cash advance fee is 5% (min $10) per transaction, whichever is higher. A cash advance fee is a fee charged when using a Citibank credit card for cash withdrawals at an ATM, or in person at participating locations.

Bear in mind that when you do a cash advance, you will incur other costs in addition to the Citibank cash advance fee. There’s a separate cash advance APR that applies immediately after you complete the transaction. The ATM owner may also impose additional charges.... read full answer

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