First thing is, Citibank has just changed the TOC for Maxigain. Please take some time to read! https://www.citibank.com.sg/globaldocs/pdf/MaxiGainTC2Dec2019.pdf I used to be a big fan of Citibank Maxigain, but they just announced that their base interest rates will be a drop from 70% of SIBOR rate to 50% SIBOR rate. Furthermore, your bonus interest rates will drop by half to 0.05% - 0.6% max, so in fact base on current new TOC, your interest rates will be around 1.5% instead of 2.5%, so please take note. But that says, it is safe for $75K but Citibank is currently on a decline from the new TOC from what it looks. Currently looking for a new savings vehicle once Citibank changed new TOC on Dec 2019.