Helping Aussies get more out of life and their money

G’day! We're on a mission to empower everyone over 40 to take charge of their time, health and money, no matter what stage of life they’re in.

Citro is proudly an AMP Venture and Group Company.

We are an early-stage venture, which means we’re endlessly improving and experimenting to deliver the best experience, and products that support Australian over 40 get more out of life, and their money.
“I’m a strong believer in the value of community and connection to quality of life. It’s why I’m excited AMP is backing Citro and its growing community of Australians wanting to make the most of their pre and post-retirement years. AMP’s purpose is to help people create their tomorrow, and through Citro we’re helping achieve it.”

Alexis George

AMP CEO

“I’ve seen firsthand how overwhelming life can feel as you approach retirement—navigating money, health, identity, and what comes next. That’s why Citro exists. We’re here to make this stage of life easier, more inspiring, and genuinely rewarding for Australians over 40—because this chapter should be one of freedom and confidence, not frustration.”

Ash Frenken

Managing Director

Our values
Persist to pursue excellence
We do what's needed to master our craft and grow
Listen actively, 
impact positively
Listen to each other​ and customers
Have integrity
and heart
Do what's right with empathy and kindness
Foster innovation that inspires
Connect creatively to nurture a fast growing community
Team alchemy

Transforming the energy of the team into incredible outcomes

Our why

Citro was born from the belief that life should get better with age. We created the Citro community to connect and foster a place where everyone over 40 can find enrichment and empowerment. Whether you’re miles away from retirement or are about to reach that milestone.

How we do it

We're here to spark conversation, ignite excitement, and tackle as many challenges as possible for Australians aged 50+. Our community is already over 150,000 strong and we listen carefully to what they have to say.

It's too good and it's true

So, how does it work?

When you shop via the Citro app, brands pay us and we share that with you as cashback.



Brands pay us. We pay you. Everyone wins.

You've seen us before

Featured by Australia’s favourite media

The people building Citro

Ash Frenken
Managing Director
Ash Frenken
Head of Operations
Dennis Leon
Head of Engineering
Rachel Lim
Head of Growth
Ralph Timpani
Head of Legal
Dennis Leon
Head of Engineering
Taylor Rudling
Head of Operations
Navin Khadka
Mobile Engineer
Carlos Casal
Software Engineer
Jono Yan
Senior Software Engineer
Lauren Mulholland
Engineer
Den Tsou
Software Engineer
Long Le
R&D - Data Engineer
Brian Ong
Data Engineer
Ralph Bibera
Software Engineer
Adrean Palafox
Software Engineer
Reynald Kean Ortiga
Software Engineer
Taylor Rudling
Head of Operations
Mara Cheshire
Design Lead
Jovelyn Gonzales
Designer
Rachel Lim
Head of Growth
Grace Chen
Growth Marketing Specialist
Catherine Phung
Growth Marketing Coordinator
Nicolas Rivarola
CRM Analyst
Bron Mandile
Content Lead
Maddie Southall
Content Specialist
Robyn Pena-Lopez
Content Producer
Megan Burgess
Head of Operations
Rachel Monahan
Customer Success Lead
Josh
Outbound Sales Specialist
Asinate Biutiviti
Customer Success Specialist
Jemima
Customer Success Specialist
Joy
Customer Success Specialist
Mereani Kini
Senior Customer Success Specialist
Victoria Muller
Customer Success Specialist
Friends of Citro
Our customers lead the way

Chief Customer Officer Program

Ever wished a company would actually listen to what you want? At Citro, we don’t just listen, we hand you the wheel.
Our Chief Customer Officer program puts you in the driver’s seat for the day. We invite you to share your experiences, pitch your ideas, shape our future and help make Citro better.

Proud member of
Award Nominees x3
Finalist
Best Workplace
Diversity
Citro
Finalist
Emerging Fintech Leader of the Year
Ash Frenken
Finalist
Outstanding Fintech Leader of the Year
Ash Frenken

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