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<p>The <strong>GnZSA</strong> is tailored for Nepali youths comes with a variety of features that make banking both convenient and rewarding.&nbsp;This product&nbsp;offers a host of innovative features and benefits tailored to meet the needs of young adults, promoting financial independence and digital engagement.</p>

<p>GnZSA नेपाली युवाहरूका लागि तयार पारिएको बैंकिङलाई सुविधाजनक र इनामदायी दुवै किसिमका सुविधाहरू प्रदान गर्दछ। यो उत्पादनले युवा वयस्कहरूको आवश्यकताहरू पूरा गर्न, वित्तीय स्वतन्त्रता र डिजिटल संलग्नता प्रवर्द्धन गर्नका लागि तयार पारिएका धेरै नवीन सुविधाहरू र फाइदाहरू प्रदान गर्दछ।</p>

What you need to apply

Here's what we offer

GenZ

Citizens Gen Z Savings Account (GnZSA)

<p>This product is designed especially for the Young Generation and tech savvy population. However, this product is also available for all citizens. This product is our step toward digitization, and it shall be a completely ecofriendly product.</p>


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<p data-end="301" data-is-last-node="" data-is-only-node="" data-start="71">यो उत्पादन विशेष गरी युवा पुस्ता र प्रविधीमा चल्ने&nbsp;नागरिकहरूको लागि डिजाइन गरिएको हो। तथापि, यो उत्पादन सबै नागरिकहरूको लागि पनि उपलब्ध छ। यो उत्पादन हाम्रो डिजिटाइजेशन तर्फको एक कदम हो, र यो एक पूर्णत: पर्यावरण मैत्री उत्पादन हुनेछ।</p>
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Citizens Smart Bachat Khata

सिटीजन स्मार्ट बचत खाता

<p>Note: This is for POSTAAM Users only.</p>


<p>&nbsp; &nbsp;Note: This is for POSTAAM Users only.</p>


POSTAAM Accounts

<p>Citizens Digital Fixed Deposit (CDFD) a fixed deposit product which can be opened live through our Mobile Banking Platform and provides additional interest rate as compared to regular fixed deposit opened.&nbsp;&nbsp;</p>

<p>&nbsp;</p>


<p>Citizens Digital Fixed Deposit (CDFD) a fixed deposit product which can be opened live through our Mobile Banking Platform and provides additional interest rate as compared to regular fixed deposit opened.&nbsp;&nbsp;</p>


Citizens Digital FD

सिटिजन्स डिजिटल एफ दि

<p>Citizens Hamro Karnali Muddhati Khata Yojana is a special Savings Deposit account designed for customers of Karnali Province.</p>


<p>सिटिजन्स हाम्रो कर्णाली बचत&nbsp;खाता योजना कर्णाली प्रदेशका ग्राहकहरूका लागि डिजाइन गरिएको विशेष बचत खाता हो।</p>


Citizens Hamro Karnali Bachat Khata

सिटिजन्स हाम्रो कर्णाली बचत खाता

<p>The <strong>Citizens Freelancer Saving Account (CFSA)</strong> is a savings deposit product tailored for freelancers who receive income in NPR or USD. This product is designed to provide maximum flexibility and benefits for freelancers, enabling them to manage their earnings in multiple currencies and access a range of financial services.</p>


<p><strong data-end="96" data-start="59">सिटीजन फ्रिलान्सर बचत खाता (CFSA)</strong> एक बचत निक्षेप उत्पाद हो जुन नेपाली रुपैयाँ (NPR) वा अमेरिकी डलर (USD) मा आय प्राप्त गर्ने फ्रिलान्सरहरूका लागि विशेष रूपमा डिजाइन गरिएको हो। यो उत्पादले फ्रिलान्सरहरूलाई बहु मुद्रामा आफ्नो आम्दानी व्यवस्थित गर्न र विविध वित्तीय सेवाहरूमा पहुँच प्रदान गर्न अधिकतम लचिलोपन र सुविधा उपलब्ध गराउँछ।</p>


Citizens Freelancer Saving Account

<p>This account<strong> </strong>is aimed at providing employees with a comprehensive package that includes critical illness insurance, medical coverage, and accidental insurance, while also offering an array of banking services that ensure financial convenience for both employees and their Spouse; (<strong><a href="https://www.ctznbank.com/product/deposit/citizens-premium-family-account-under-citizens-premium-talab-bachat-khata">Citizens Premium Family Account</a></strong>).</p>


<p>यो खाता कर्मचारीहरूलाई गम्भीर रोग बीमा, चिकित्सा कभरेज, र दुर्घटना बीमा सहितको व्यापक प्याकेज प्रदान गर्ने उद्देश्यले ल्याइएको हो, साथै कर्मचारी र उनीहरूको जीवनसाथी दुवैको लागि वित्तीय सुविधा सुनिश्चित गर्ने बैंकिङ सेवाहरूको श्रृंखला पनि प्रदान गर्दछ; &nbsp;(<strong><a href="https://www.ctznbank.com/product/deposit/citizens-premium-family-account-under-citizens-premium-talab-bachat-khata">Citizens Premium Family Account</a></strong>).।</p>


Citizens Premium Talab Bachat Khata

सिटिजन्स प्रेमियम तलब बचत खाता

<p>This account is optional and will depend upon the choice of the main account holder under <strong>Citizens Premium Talab Bachat Khata </strong></p>


<p>यो खाता ऐच्छिक हो र नागरिक प्रिमियम तलब बचत खाता अन्तर्गत मुख्य खातावालाको छनोटमा निर्भर गर्नेछ।</p>


Citizens Premium Family Account

Citizens Premium Family Account (under Citizens Premium Talab Bachat Khata)

सिटिजन्स प्रिमियम परिवार खाता (सिटिजन्स प्रेमियम तलब बचत खाताअन्तर्गत)

<p>The Bank offers &ldquo;Citizens Mahila Bachat Khata&rdquo; for Nepalese woman with age above 16 years. Citizens NPR Debit Card facility is available which is valid in Nepal as well as in India. The scheme allows 25% discount on Locker charge. This product is designed to support the women and their upliftment.</p>


<p>सिटिजन्स बैंकले १६ बर्षमाथिका नेपाली महिलाहरुका लागि सिटिजन्स महिला खाता लक्षित गरेको छ। यसमा नेपाल र भारतभर प्रयोग गर्न सकिने सिटिजन्स एनपिआर डेबिट कार्ड सुविधा उपलब्ध हुनुका साथै लकर सुविधामा २५% छुट उपलब्ध छ। यो वचत सुविधा विशेषतः महिलाहरुको आर्थिक प्रगतिमा साथ दिने उद्देश्यले सुरु गरिएको हो&nbsp;&nbsp;</p>


Pay for my Kids Tuition Fees

Citizens Mahila Bachat

सिटिजन्स महिला वचत

<p>&ldquo;Citizens Muna Bachat Khata&rdquo; is primarily for the minors (below the age of 16 years) facilitated by the guardians. The Bank provides zero balance service for the offer. Facility of Citizens NPR Debit Card is provided which is valid in Nepal as well as in India. This is designed to help to save for the child&rsquo;s future. With children&rsquo;s saving accounts, children learn to manage money &ndash; and parents, relatives and friends have a place to save for a child they care about.</p>


<p>सिटिजन्स मुना वचत खाता मुख्यतः अभिभावकको सहायतामा १६ बर्ष मुनिका बालबालिकाका लागि लक्षित छ। यो खाता शून्य मौज्दातमा खोल्न सकिन्छ र यसमा नेपाल र भारतभर प्रयोग गर्न मिल्ने सिटिजन्स एनपिआर भिजा कार्ड सुविधा पनि उपलब्ध छ। यसको मुख्य उद्देश्य बालबालिकाको भविष्यको लागि वचत गर्नु हो। बालबालिकामा सानैदेखि वचतको बानि विकास हुनुका साथै यसमा अभिभावक, नातेदार तथा साथीभाईले बालबालिकाका लागि वचत गर्न सक्छन्।&nbsp;</p>


Pay For My kids Tuition Fee

Citizens Muna Bachat

सिटिजन्स मुना वचत (नावालकका लागि मात्र)

<p>We offer a convenient and affordable savings account with essential digital banking services at no extra cost. Customers can also enjoy special discounts on select services, making it a great choice for modern banking needs.</p>


<p>हामीले सजिलो र किफायती बचत खाता प्रस्ताव गर्छौं, जसमा आवश्यक डिजिटल बैंकिङ सेवाहरू कुनै अतिरिक्त शुल्क बिना उपलब्ध छन्। ग्राहकहरूले केही सेवाहरूमा विशेष छुटको लाभ पनि लिन सक्नेछन्, जसले यो आधुनिक बैंकिङ आवश्यकताहरूका लागि उत्कृष्ट विकल्प बनाउँछ।</p>


Citizens Bishesh Bachat Khata

सिटिजन्स विशेष वचत खाता

<p>We have launched &lsquo;Citizens Saral Bachat khata&rsquo;, a new savings deposit product, in view of the recently launched Government campaign with slogan&nbsp;खोलौ बैंक खाता अभियान, २०७६ as per Nepal Rastra Bank circular number&nbsp;वै.वि.नि.वि.रनीतिरपरिपत्ररकखगर२२र०७५र७६ dated 2075/12/27 for opening bank accounts of all individual Nepali citizens. The main aim of the account is to establish banking habits of unbanked population.</p>


<p>हामीले सिटिजन्स सरल वचत खाता हालसालै नेपाल सरकारले घोषणा गरेको खोलौँ बैँक खाता अभियान, २०७६ को मर्मअनुसार सुरु गरेका छौँ। यो अभियान नेपाल राष्ट्र बैंकले वि.सं. २०७५/१२/२७ मा जारी गरेको सर्कुलर नम्बर वै.वि.नि.वि.रनीतिरपरिपत्ररकखगर२२र०७५र७६ अनुरुप छ जसको उद्देश्य प्रत्येक व्यक्तिको बैंक खाता खोली उनीहरुलाई वित्तीय क्रियाकलापमा सक्रिय गराउनु रहेको छ।&nbsp;</p>


Citizens Saral Bachat Khata

सिटिजन्स सरल वचत खाता

Citizens Senior Citizens Savings

सिटीजन वरिष्ठ नागरिक बचत

<p>This account offers limited transactional features without ATM or cheque book access. It provides interest earnings and allows loan facilities against deposits based on employee policies and enterprise requests, with formal documentation to be completed accordingly.</p>


<p class="sr-only">यो खाताले ATM वा चेक बुकको पहुँच बिना सीमित लेनदेन सुविधा प्रदान गर्छ। यसले ब्याज आम्दानी दिन्छ र कर्मचारी नियमावली र उद्यमको अनुरोध अनुसार निक्षेप रकमको विरुद्ध ऋण सुविधा उपलब्ध गराउँछ, जसका लागि आवश्यक औपचारिक कागजातहरू तयार गरिनेछ।</p>


Citizens Enterprise Fund Account

सिटीजन उद्यम कोष खाता

<p>Citizens G2P Savings Account is a savings account targeted to the beneficiaries of Social Security Allowance. This product is specially designed to distribute Social Security Allowance of Ministry of Federal Affairs and General Administration.</p>


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<p data-end="269" data-is-last-node="" data-is-only-node="" data-start="59">सिटिजनस&nbsp;G2P बचत खाता सामाजिक सुरक्षा भत्ता प्राप्त गर्ने लाभार्थीहरूलाई लक्षित बचत खाता हो। यो उत्पाद संघीय मामिला तथा सामान्य प्रशासन मन्त्रालयको सामाजिक सुरक्षा भत्ता वितरणका लागि विशेष रूपमा डिजाइन गरिएको हो।</p>
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Citizens G2P Savings Account

सिटिजनस G2P बचत खाता

<p><strong>&nbsp; Citizens Branchles Bachat</strong></p>


Citizens Branchless Bachat

सिटीजन शाखारहित बचत

<p><strong>Citizens Dasak Savings</strong></p>


Citizens Dasak Savings

सिटीजन दशक बचत

<p><strong>Benefits</strong>:</p>

<ul>
	<li>Issuance of Citizens Visa Dollar Debit Card</li>
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<p><strong>Benefits</strong>:</p>

<ul>
	<li>Issuance of Citizens Visa Dollar Debit Card</li>
</ul>

<p><a href="http://www.ctznbank.com/interest-rate">Click here to see more</a></p>


Citizens Saving Account (FCY)

<ul>
	<li>Currency: USD, GBP, EURO and AUD</li>
	<li>Interest Payment Frequency: Quarterly (as per Nepalese Calendar)</li>
	<li><strong>Tenor- minimum 1 year</strong></li>
	<li>Acceptance of the funds in Citizens FCY account with no charge. The fund must be received via Banking Channel.</li>
	<li>Full repatriation of Principal and Interest (after deduction of applicable tax)&nbsp; amount in same currency with no charge to same account at same country from where the fund is received.</li>
	<li>No minimum balance shall be maintained in the nominee savings account where we are also offering 4.00% p.a.</li>
	<li>Free statement/interest credit advice will be sent by email on request</li>
	<li>NRN ID is compulsory</li>
</ul>


<h4 class="display-two-line">Start building your saving plans for your
                                        <span class="ColorGreen"> new journey </span>
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Plans For Tomorrow

Citizens Overseas FCY Fixed Deposit (NRN)

<p>Any individual or corporate bodies are entitled to open FCY Fixed Deposit account for higher returns at competitive interest rate.</p>

<p>&nbsp;</p>


<p>Any individual or corporate bodies are entitled to open FCY Fixed Deposit account for higher returns at competitive interest rate.</p>


Citizens FCY Fixed Deposit

<p>A fixed deposit account is an investment account and a type of savings account in which money is deposited for a stated period of time and a fixed interest rate is paid at the end of that period. The Bank offers multitudes of fixed deposit schemes for various durations. It offers simple reinvestment Fixed Deposits (at very competitive interest rates). One of the easier ways of making money work for you is by investing in a fixed deposit account. Opening a fixed deposit account is both quick and easy and all that needs to be done is to deposit money into the account for a given period of time, for it to earn interest.</p>


Citizens Fixed Deposit,  INDIVIDUAL (NPR)

<div>Saving deposit is of top priority in the banking industry today and product with additional and attractive features especially with insurance facilities has become a necessity to attract the&nbsp;individual savings deposit customers. Hence, to enhance the brand of the bank in market and to lure the masses in the Bank seeking insurance facilities, we have focused on this product. Thus, this product is expected to improve the savings deposit base of the bank.</div>


Citizens Samrakshit Bachat Khata

सिटिजन्स संरकछित बचत खाता

<p>This is regarding launching of &ldquo;Citizens Talab Bachat Khata (CTBK)&rdquo; a saving product focused for working profession. This product shall be useful for the various corporate houses to manage the salary of their employees. Saving deposit is of top priority in the banking industry today and corporate/enterprises salary account shall be the major source to improve the savings deposit of the bank.</p>


Citizens Talab Bachat Khata

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<p data-end="246" data-is-last-node="" data-is-only-node="" data-start="0">We offer a premium savings account with a range of free digital banking services and no charges for switching schemes. Customers can also enjoy exclusive discounts and benefits designed to enhance their banking experience during the initial year.</p>
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<p>हामीले निशुल्क डिजिटल बैंकिङ सेवाहरूको दायरा सहित एक प्रिमियम बचत खाता प्रस्ताव गर्छौं र योजना परिवर्तन गर्दा कुनै शुल्क लाग्दैन। ग्राहकहरूले प्रारम्भिक वर्षमा आफ्नो बैंकिङ अनुभवलाई सुधार गर्ने उद्देश्यले विशेष छुट र लाभहरू पनि प्राप्त गर्न सक्छन्।</p>


Citizens Privilege Saving account

Citizens Share Lagani Khata

<p>We offer a convenient savings account with free digital banking services and attractive benefits tailored for Nepalese working abroad and their families. To apply, certain identification documents and declarations are required. The account supports remittance transactions under specific conditions, with limitations on credit activities to ensure compliance.</p>


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<p data-end="363" data-is-last-node="" data-is-only-node="" data-start="57">हामीले विदेशमा काम गर्ने नेपाली र तिनका परिवारका लागि अनुकूल डिजिटल बैंकिङ सेवा र आकर्षक लाभसहित सजिलो बचत खाता उपलब्ध गराउँछौं। आवेदन गर्नका लागि आवश्यक परिचयपत्र र घोषणा बुझाउनुपर्छ। यो खाताले विशेष शर्तहरू अन्तर्गत मात्र रेमिटेन्स कारोबारलाई समर्थन गर्छ र क्रेडिट क्रियाकलापमा केही सीमितताहरू राखिएको छ।</p>
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Citizens International Remittance Saving Account

सिटीजन अन्तर्राष्ट्रिय रेमिटेन्स बचत खाता

<p>​&quot;Remittance IPO Savings Account (RISA)&quot; is a new Savings Deposit Product to be launched for Nepalese Individual worker who are working abroad under foreign employment with having valid labor permit from concern govemment authority of Nepat. This product has been designed in reference to Securities Issuance and Allotment (Sixth Amendment) Directive dated 207 9/07/18 issued by Securities Board ofNepal.</p>


<p>​&quot;Remittance IPO Savings Account (RISA)&quot; is a new Savings Deposit Product to be launched for Nepalese Individual worker who are working abroad under foreign employment with having valid labor permit from concern govemment authority of Nepat. This product has been designed in reference to Securities Issuance and Allotment (Sixth Amendment) Directive dated 207 9/07/18 issued by Securities Board ofNepal.​</p>


Remittance IPO Savings Account

<p>The primary beneficiaries for Citizens Matribhumi Bachat are Nepalese Citizens residing in foreign countries. Those who are in the process of going abroad for foreign employment can also enjoy this deposit product subject to presentation of a valid Visa. There is no any amount fixed as minimum balance and no restriction on the amount of withdrawals. Better rates are provided in Exchange Rate to account holders while remitting money to Nepal through Citizens Remit.</p>


<p>सिटीजन मातृभूमि बचतको मुख्य लाभार्थीहरू विदेशमा बसोबास गर्ने नेपाली नागरिकहरू हुन्। विदेश रोजगारीका लागि जाने प्रक्रियामा रहेका व्यक्तिहरू पनि वैध भिसा पेश गर्दा यो निक्षेप उत्पादनको लाभ लिन सक्नेछन्। न्यूनतम मौज्दातको कुनै निश्चित रकम छैन र निकासी रकममा कुनै प्रतिबन्ध छैन। सिटीजन रेमिटमार्फत नेपालमा पैसा पठाउँदा खातावालाहरूलाई विनिमय दरमा राम्रो सुविधा प्रदान गरिन्छ।</p>


Citizens Matribhumi Bachat

सिटीजन मातृभूमि बचत

<p>Citizens Savings (NPR) Account is a Saving Deposit Product launched for individuals of all age groups. The product is in the nature of Savings Account in domestic currency and provides instant access to funds.</p>


<p>सिटिजन्स वचत(नेरु) खाता सबै उमेर समूहका व्यक्तिहरुका लागि लक्षित निक्षेप/वचत सुविधा हो। यो खातामा नेरुमा रकम जम्मा गर्ने र निक्षेपमा तुरुन्त पहुँच पाउने सुविधा रहेको छ।&nbsp;&nbsp;<br />
&nbsp;</p>


Citizens Normal Savings

सिटिजन्स वचत

सिटिजन्स स्मार्टबैंक

Move money, pay bills and manage cards in seconds — with bank-grade security and a delightfully simple experience.

बैंकस्तरको सुरक्षा र सरल अनुभवसहित केही सेकेन्डमै रकम पठाउनुहोस्, बिल तिर्नुहोस् र कार्ड व्यवस्थापन गर्नुहोस्।

सम्पूर्ण बैंक, तपाईंको खल्तीमा

App showcase

पुरस्कार तथा सम्मान

देशका उत्कृष्टमध्ये सम्मानित

Awards

आफ्नो संसार रोज्नुहोस्

Tap a world and the whole experience — menu, tools and content — adapts to what you need.

एउटा संसार छान्नुहोस् — मेनु, उपकरण र सामग्री सबै तपाईंको आवश्यकता अनुसार मिल्छ।

तपाईं अनुसार ढलिने बैंकिङ

Choose your world

खाता खोल्नुहोस्

केही मिनेटमै सुरु गर्नुहोस्

Open your Citizens account online today — no queues, no paperwork.

आजै अनलाइन सिटिजन्स खाता खोल्नुहोस् — न लाइन, न कागजी झन्झट।

आफ्नै शर्तमा बैंकिङ गर्न तयार हुनुहुन्छ?

Get started

Explore everything Citizens offers online — from payments and investments to lockers and corporate solutions.

भुक्तानी र लगानीदेखि लकर र कर्पोरेट समाधानसम्म — सिटिजन्स बैंकका सबै अनलाइन सेवाहरू हेर्नुहोस्।

डिजिटल सेवाहरू, सबै एकै ठाउँमा

Go digital

पछिल्ला सूचनाहरू

Latest notices

Exclusive rewards every time you pay with Citizens cards and mobile banking.

सिटिजन्स कार्ड र मोबाइल बैंकिङबाट भुक्तानी गर्दा हरेक पटक विशेष पुरस्कार।

अफर र क्यासब्याक

Offers and cashback

हाम्रा सम्मानहरू हेर्नुहोस्

Since 2007 we've grown into one of Nepal's leading commercial banks — pairing nationwide reach with banking that genuinely cares about progress.

सन् २००७ देखि हामी नेपालका अग्रणी वाणिज्य बैंकमध्ये एक बनेका छौं — देशव्यापी पहुँच र प्रगतिप्रति साँचो सरोकार राख्ने बैंकिङसहित।

A bank the nation trusts, built on people first

जनतालाई प्राथमिकता दिने, राष्ट्रले भरोसा गर्ने बैंक

Privilege Banking

Choose what you need