Global Wallet

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Global Wallet

Take advantage of Citibank's Global Wallet feature to create foreign currency accounts which are linked to your Citibank Debit Mastercard instantly. Use it to shop on international websites using your Citibank Debit Mastercard, and pay zero foreign transaction or currency conversion fees.

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Citi Global Wallet benefit displayed in Partner app

Benefits about Citibank's Global Wallet are displayed with a link to learn more.

(There can be multiple entry points. This is just an example to illustrate how the journey could begin.)

Find out more about Global Wallet feature

In Partner App, details of the Global Wallet feature are displayed and an option for customers to apply for a Citibank Debit Mastercard if they don't already have one.

Customers apply to open account

Customers can open an account with Citibank or apply for an account.

Customers provide minimal details to Citibank that include their basic information like title, first name, last name, phone number, and email address.

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Confirmation message displayed to customers

A confirmation message is displayed to customers along with a link to complete their application on Citibank Online.

 

An email notification will also be sent as a reminder to complete the application.

Customer notification upon account opening

Once the account is open, customers will be notified via email and SMS.

Start using Global Wallet in Partner app

Citibank can send an event to partner upon account creation so that customers will be able to use the Global Wallet feature in Partner app.

 

 

Secure identification

In order to enable the connection of customers' Citi accounts to the third-party application, customers will be prompted with a modal window (triggered by the OAuth API) where they will be asked to log in to their Citi account in order to verify their identity.

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Customers validate the one-time password sent to their registered mobile number

Customers validate the one-time password (OTP) sent to their registered mobile number. In the three-legged OAuth flow, OTP validation is based on a fraud and risk recommendation, and is not mandatory.

Customer consent

Customers will be presented with Citi’s consent page where they can read the terms and conditions of what account information will and will not be shared with the third-party application. If they agree, customers can click ‘Authorize' to proceed.

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Refresh access token

If the access token has expired and the partner still has a valid refresh token, the access token can be refreshed by calling the Refresh Token API and exchanging it for a new set of valid access and refresh tokens. 

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Turn on Global Wallet

If customers do not yet have the Global Wallet turned on, they will be given the option to do so.

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View Global Wallet

Customers can view all accounts they currently have created and in what currencies.

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Choose currency

Customer can view list of available currencies that they can convert their money into.

 

As soon as the customer chooses a currency, a new currency account will be created and linked to the wallet in the background.

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Top up Global Wallet

Customers can choose the source account from which they wish to take money to convert into their chosen currency.

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Review and confirmation

Customers can review the transaction details before confirming.

(Customers might be requested to enter OTP upon confirmation.)

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OTP validation

Customers may receive an OTP from Citi on their registered mobile number.

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Final Confirmation of successful transaction

Confirmation of transaction is displayed to customer.

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