I thought having a Citi account would help me in my travels, but they don't have a single ATM in Africa outside of Egypt and their on-line list is often out of date. They finally removed the one in Kathmandu from the list which had been closed for more than a few years. I am pretty sure that the branch in Oman is closed as well.

They also can't link a North America based account at any of their locations outside of North America.

Don't get me started about sending an alleged "on-line" wire.

I will say that they are pretty good at getting out emergency replacement cards.