Citi Self Invest: Platform Profile

Overview

Citi Self Invest is Citi Personal Wealth Management's digital self-directed brokerage.

Its current core proposition is simple:

• no account minimum;
• $0 online stock trades;
• $0 online mutual-fund transactions;
• $0 online eligible ETF trades;
• market and educational resources;
• integration with the broader Citi relationship.

The product should not be confused with Citi Wealth Builder or Citi advisor-serviced brokerage.

Those are different service models.

The current 2026 fee schedule also makes one limitation explicit:

options are listed as N/A for Citi Self Invest.

May fit better for

• Citi banking customers;
• investors who want straightforward stock, ETF, and mutual-fund access;
• investors who value a $0 opening minimum;
• users who prefer a bank-linked digital brokerage;
• investors who occasionally use fixed income.

May fit less well for

• options traders;
• futures traders;
• direct-crypto traders;
• investors seeking professional active-trading tools;
• customers who assume all fixed-income transactions are free;
• users who do not benefit from Citi relationship integration.

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Legal identity

Current Citi disclosures identify investment products through:

• Legal name: Citigroup Global Markets Inc.
• Abbreviation: CGMI
• FINRA CRD: 7059
• FINRA member: Yes
• SIPC member: Yes
• Brand family: Citi Personal Wealth Management

Bank deposits and investment securities use different legal entities and protection regimes.

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Account minimum

Current Citi Self Invest marketing:

• Account minimum: $0

Product-level minimums can still apply to specific securities or funds.

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Stock, ETF, and mutual-fund pricing

Current Citi Self Invest pages state:

• Stocks:
• Online commission: $0
• Mutual funds:
• Online commission: $0
• ETFs:
• Online commission: $0 for eligible online/mobile ETF trades

Current ETF footnotes exclude leveraged and inverse ETFs from the commission-free online/mobile ETF offer.

Phone-assisted ETF transactions can also differ.

"Every ETF transaction at Citi Self Invest is free."

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Options are not current in Self Invest

The current July 2026 Citi fee schedule identifies:

This is a mandatory category guard.

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Fixed income uses a different pricing framework

Current fixed-income schedule, effective May 15, 2026, states that Citi Self Invest accounts receive the Minimum schedule pricing.

The fixed-income business uses mark-up/mark-down style basis-point schedules rather than one universal ticket price.

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Treasury bills

Current Self Invest minimum-schedule references for Treasury bills use zero minimum mark-up/mark-down levels, while maximums vary by maturity and side.

"All Treasury trades are always free."

Transaction economics depend on:

• maturity;
• buy/sell side;
• quoted security price;
• applicable current schedule.

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Treasury auctions

Current fee schedule:

• Treasury auction administrative processing fee: $35

This is distinct from secondary-market Treasury pricing.

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Corporate, municipal, and CD pricing

Current minimum schedule generally starts at basis-point markups/markdowns such as:

• Corporate CD municipal selected minimums:
• Under 1 year: 0.125%
• One year and longer selected maturities: generally 0.25%

Maximum schedule percentages can be materially higher depending on maturity.

The fee can be included in the security price.

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Fixed-income clearing disclosure

The current Citi fee schedule identifies:

• Fixed income clearing firm: Pershing

Keep the scope narrow.

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Transfer and retirement termination fees

Current fee schedule:

• Outgoing account transfer: $95
• Retirement account termination: $95
• Wire transfer: $25

These charges are materially larger than the $0 online stock commission.

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Margin

Citi's broader wealth fee schedule contains margin/lending sections.

This Batch 17 package does not establish a current Citi Self Invest margin product from the supplied Self Invest pages.

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Account/product distinction

Citi Self Invest is not Citi Wealth Builder.

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Bank and brokerage protection

Citi's current pages state clearly that investment products are:

• not FDIC insured;
• not bank guaranteed;
• subject to investment risk;
• capable of losing principal.

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Direct crypto and futures

Current Self Invest materials supplied here do not establish:

• Direct spot crypto current verified: No
• Retail futures current verified: No

Assessment

Citi Self Invest is intentionally simpler than Citi's broader wealth-management platform.

The current strengths are:

• $0 online stocks;
• $0 online mutual funds;
• eligible $0 online/mobile ETFs;
• no account-opening minimum.

The product is not currently an options platform.

Fixed income also requires more care than the equity headline because the schedule uses markups/markdowns and a separate $35 Treasury-auction fee.

The main protection distinction is:

Citigroup Global Markets provides the investment relationship; Citibank deposit insurance does not protect Self Invest securities from market loss.