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Citi Self Invest Review

Sam Levine, CFA, CMT

Written by Sam Levine, CFA, CMT
Fact-checked by Steven Hatzakis
Edited by Carolyn Kimball

January 30, 2024

I opened a Citi Self Invest account and found it easy to use, easy on the eyes, and very convenient for Citi customers. For now, the investment options and tools are sparse. Clients can trade listed stocks, ETFs, and approximately 820 no-load, no-transaction-fee mutual funds. There are no account fees or investment minimums (hooray).

Citi’s do-it-yourself brokerage is best for clients with limited needs. I like its simplicity, but it could be much stronger with only a few more goodies. If Citi adds more investment data, stock and fund research, a richer library of educational content, and market commentary, this would be a fine broker for beginning investors.

Citi Self Invest
3.5/5 Stars Overall
  • Minimum Deposit: $0.00
  • Stock Trades: $0.00
  • Options (Per Contract): N/A

Pros & Cons

thumb_up_off_alt Pros

  • It’s effortless to open an account, even if you’re not a Citi customer.
  • Investing is well integrated with banking.
  • The mobile app and the website are appealing and easy to navigate.

thumb_down_off_alt Cons

  • There’s no stock and exchange-traded fund research, no streaming quotes, and the stock charts are as basic as they get.
  • The investor education is excellent, but there’s not enough of it.
  • Human customer support is there somewhere, but it may take two or three transfers or new calls until someone finally understands that you aren’t asking about a bank account.

Overall summary

Feature Citi Self Invest logoCiti Self Invest
Overall 3.5/5 Stars
Investment Options 2.5/5 Stars
Commissions & Fees 4.5/5 Stars
Mobile Trading Apps 3/5 Stars
Platforms & Tools 2.5/5 Stars
Research 2.5/5 Stars
Customer Service N/A
Education 1.5/5 Stars
Ease Of Use 4.5/5 Stars

Citi Self Invest Trading Platform Screenshots

Website:

Mobile app:

What is a Citi Self Invest brokerage account?

A Citi Self Invest account lets Citi customers buy, sell, and hold stocks, ETFs, and mutual funds. Logging on to the Citi website or mobile app allows you to access your Citi Self Invest account next to your banking.

Is Citi Self Invest good?

Citi Self Invest ranked low in our scoring because it’s missing many features and investment choices that are common at other online brokers. If you’re just looking for $0 commission stock and fund trades, Citi’s mobile app and website are attractively designed and very easy to use.

What is self-directed investing?

Self-directed investing is when you buy and sell investments without the help of a pro. Many people prefer self-directed investing for its convenience, the freedom to make their own investing decisions, and to save money on advice fees and commissions.

What is Citi Private Client?

Citigold Private Client is Citi’s high net worth client service. Citigroup customers with an average monthly balance of $1,000,000 get enhanced services such as a dedicated service team, more investing options, and premier banking services.

Can I buy bonds through Citibank?

Citi Self Invest does not have bond trading, but clients of Citi’s advisor-assisted wealth management services are able to buy bonds.

Does Citi Self Invest have a trading platform?

Citi Self Invest doesn’t have a platform designed for active traders. Customers can access their investment accounts via the Citi mobile app and the citi.com website.

Is Citi Self Invest good for beginners?

Citi Self Invest is very easy to use, but it lacks beginner-friendly features such as paper trading and fractional shares. There’s also little guidance and research. The investor education articles are excellent, but other brokers offer a wider selection. Check out our top picks here.

How much do you need to invest in Citi Self Invest?

Citi Self Invest has no minimum investment, but your account will close if you don’t deposit funds within six months. New accounts may be eligible for a Citi Self Invest bonus of up to $500.

Is Citi a safe company to invest with?

I view Citi as safe. Like all U.S. brokerage firms, Citi Self Invest is regulated by FINRA, and customer accounts are protected against insolvency by the Securities Investor Protection Corporation, or SIPC. These protections do not cover market losses.

Does Citi Self Invest charge account fees?

Citi Self Invest does not charge monthly or annual fees, but there are incidental charges, such as transfers out and closing a retirement account. You can find a list of those charges here.

About Citi Self Invest

Citi Self Invest is an online brokerage established in July 2021. Self-directed clients can use it to buy mutual funds, stocks, and exchange-traded funds. The service falls under the umbrella of Citigroup’s Citi Personal Wealth Management division.

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Citi Self Invest fees and features data

The data collection efforts at StockBrokers.com are unmatched in the industry. The following tables show a deeper dive into the offerings available at this broker. You can also compare its offerings side-by-side with those of other brokers using our Comparison Tool.

In addition to meticulous annual data collection by our in-house analyst, every broker that participates in our review is afforded the opportunity to complete an in-depth data profile. We then audit each data point to ensure its accuracy.

Trading fees

Feature Citi Self Invest logoCiti Self Invest
Minimum Deposit $0.00
Stock Trades $0.00
Mutual Fund Trade Fee 0
Options (Base Fee) N/A
Options (Per Contract) N/A
Futures (Per Contract) (Not offered)
Broker Assisted Trade Fee n/a

Account fees

Feature Citi Self Invest logoCiti Self Invest
IRA Annual Fee $0.00
IRA Closure Fee $95.00
Account Transfer Out (Partial) info $95.00
Account Transfer Out (Full) info $95.00
Options Exercise Fee N/A
Options Assignment Fee N/A

Margin rates

Feature Citi Self Invest logoCiti Self Invest
Margin Rate Under $25,000 Not offered
Margin Rate $25,000 to $49,999.99 Not offered
Margin Rate $50,000 to $99,999.99 Not offered
Margin Rate $100,000 to $249,999.99 Not offered
Margin Rate $250,000 to $499,999.99 Not offered
Margin Rate $500,000 to $999,999.99 Not offered
Margin Rate Above $1,000,000 Not offered

Investment options

Feature Citi Self Invest logoCiti Self Invest
Stock Trading info Yes
Margin Trading No
Fractional Shares info No
OTC Stocks info No
Options Trading info No
Complex Options Max Legs info
Futures Trading info No
Forex Trading info No
Crypto Trading info No
Crypto Trading - Total Coins info 0
Mutual Funds (No Load) info 820
Mutual Funds (Total) info 820
Bonds (US Treasury) info No
Bonds (Corporate) info No
Bonds (Municipal) info No
Advisor Services info No
International Countries (Stocks) info 0
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Order types

Feature Citi Self Invest logoCiti Self Invest
Order Type - Market info Yes
Order Type - Limit info Yes
Order Type - After Hours info No
Order Type - Stop info Yes
Order Type - Trailing Stop info No
Order Type - OCO info No
Order Type - OTO info No
Order Type - Broker Assisted info No

Beginners

Feature Citi Self Invest logoCiti Self Invest
Education (Stocks) info No
Education (ETFs) info No
Education (Options) info No
Education (Mutual Funds) info No
Education (Bonds) info No
Education (Retirement) info No
Retirement Calculator info No
Investor Dictionary info No
Paper Trading info No
Videos info No
Webinars info No
Webinars (Archived) info No
Progress Tracking info Yes
Interactive Learning - Quizzes info Yes
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Stock trading apps

Feature Citi Self Invest logoCiti Self Invest
iPhone App info Yes
Android App info Yes
Apple Watch App info No
Trading - Stocks info Yes
Trading - After-Hours info No
Trading - Simple Options info No
Trading - Complex Options info No
Order Ticket RT Quotes info Yes
Order Ticket SRT Quotes info No

Stock app features

Feature Citi Self Invest logoCiti Self Invest
Market Movers (Top Gainers) info Yes
Stream Live TV info No
Videos on Demand info No
Stock Alerts info No
Option Chains Viewable info No
Watch List (Real-time) info Yes
Watch List (Streaming) info No
Watch Lists - Create & Manage info Yes
Watch Lists - Column Customization info No
Watch Lists - Total Fields info 0

Stock app charting

Feature Citi Self Invest logoCiti Self Invest
Charting - After-Hours info No
Charting - Can Turn Horizontally info No
Charting - Multiple Time Frames info Yes
Charting - Technical Studies info 0
Charting - Study Customizations info No
Charting - Stock Comparisons info No

Trading platforms overview

Feature Citi Self Invest logoCiti Self Invest
Active Trading Platform info n/a
Desktop Trading Platform info No
Desktop Platform (Mac) info No
Web Trading Platform info Yes
Paper Trading info No
Trade Journal info No
Watch Lists - Total Fields info 0

Trading platform stock chart features

Feature Citi Self Invest logoCiti Self Invest
Charting - Adjust Trades on Chart info No
Charting - Indicators / Studies info 0
Charting - Drawing Tools info 0
Charting - Notes info No
Charting - Index Overlays info No
Charting - Historical Trades info No
Charting - Corporate Events info No
Charting - Custom Date Range info No
Charting - Custom Time Bars info No
Charting - Automated Analysis info No
Charting - Save Profiles info No
Trade Ideas - Technical Analysis info No
Charting - Study Customizations info 0
Charting - Custom Studies info No
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Day trading features

Feature Citi Self Invest logoCiti Self Invest
Streaming Time & Sales info No
Streaming TV info No
Direct Market Routing - Stocks info No
Ladder Trading info No
Trade Hot Keys info No
Level 2 Quotes - Stocks info No
Trade Ideas - Backtesting info No
Trade Ideas - Backtesting Adv info No
Short Locator info No
Order Liquidity Rebates info No

Investment research overview

Feature Citi Self Invest logoCiti Self Invest
Research - Stocks info Yes
Research - ETFs info Yes
Research - Mutual Funds info No
Research - Pink Sheets / OTCBB info Yes
Research - Bonds info No
Screener - Stocks info No
Screener - ETFs info No
Screener - Mutual Funds info No
Screener - Bonds info No
Misc - Portfolio Allocation info Yes

Stock research features

Feature Citi Self Invest logoCiti Self Invest
Stock Research - PDF Reports info 0
Stock Research - Earnings info No
Stock Research - Insiders info No
Stock Research - Social info No
Stock Research - News info Yes
Stock Research - ESG info No
Stock Research - SEC Filings info No

ETF research features

Feature Citi Self Invest logoCiti Self Invest
ETFs - Strategy Overview info Yes
ETF Fund Facts - Inception Date info No
ETF Fund Facts - Expense Ratio info Yes
ETF Fund Facts - Net Assets info No
ETF Fund Facts - Total Holdings info No
ETFs - Top 10 Holdings info Yes
ETFs - Sector Exposure info No
ETFs - Risk Analysis info Yes
ETFs - Ratings info Yes
ETFs - Morningstar StyleMap info No
ETFs - PDF Reports info No
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Mutual fund research features

Feature Citi Self Invest logoCiti Self Invest
Mutual Funds - Strategy Overview info Yes
Mutual Funds - Performance Chart info Yes
Mutual Funds - Performance Analysis info Yes
Mutual Funds - Prospectus info No
Mutual Funds - 3rd Party Ratings info Yes
Mutual Funds - Fees Breakdown info No
Mutual Funds - Top 10 Holdings info Yes
Mutual Funds - Asset Allocation info Yes
Mutual Funds - Sector Allocation info No
Mutual Funds - Country Allocation info No
Mutual Funds - StyleMap info No
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Options trading overview

Feature Citi Self Invest logoCiti Self Invest
Option Chains - Basic View info No
Option Chains - Strategy View info No
Option Chains - Streaming info No
Option Chains - Total Columns info 0
Option Chains - Greeks info 0
Option Chains - Quick Analysis info No
Option Analysis - P&L Charts info No
Option Probability Analysis info No
Option Probability Analysis Adv info No
Option Positions - Greeks info No
Option Positions - Greeks Streaming info No
Option Positions - Adv Analysis info No
Option Positions - Rolling info No
Option Positions - Grouping info No
View More

Banking features

Feature Citi Self Invest logoCiti Self Invest
Bank (Member FDIC) info Yes
Checking Accounts info Yes
Savings Accounts info Yes
Credit Cards info Yes
Debit Cards info Yes
Mortgage Loans info Yes

Customer service options

Feature Citi Self Invest logoCiti Self Invest
Phone Support (Prospect Customers) info No
Phone Support (Current Customers) info Yes
Email Support info No
Live Chat (Prospect Customers) info No
Live Chat (Current Customers) info No
24/7 Support info Yes

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About the Editorial Team

Sam Levine, CFA, CMT
Sam Levine, CFA, CMT

Sam Levine has over 30 years of experience in the investing field as a portfolio manager, financial consultant, investment strategist and writer. He also taught investing as an adjunct professor of finance at Wayne State University. Sam holds the Chartered Financial Analyst and the Chartered Market Technician designations and is pursuing a master's in personal financial planning at the College for Financial Planning. Previously, he was a contributing editor at BetterInvesting Magazine and a contributor to The Penny Hoarder and other media outlets.

Steven Hatzakis
Steven Hatzakis

Steven Hatzakis is the Global Director of Research for ForexBrokers.com. Steven previously served as an Editor for Finance Magnates, where he authored over 1,000 published articles about the online finance industry. Steven is an active fintech and crypto industry researcher and advises blockchain companies at the board level. Over the past 20 years, Steven has held numerous positions within the international forex markets, from writing to consulting to serving as a registered commodity futures representative.

Carolyn Kimball
Carolyn Kimball

Carolyn Kimball is managing editor for Reink Media and the lead editor for the StockBrokers.com Annual Review. Carolyn has more than 20 years of writing and editing experience at major media outlets including NerdWallet, the Los Angeles Times and the San Jose Mercury News. She specializes in coverage of personal financial products and services, wielding her editing skills to clarify complex (some might say befuddling) topics to help consumers make informed decisions about their money.

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