Under the Citibank Debt Consolidation program, only the funds from the cash option (if you have opted for it) will be disbursed to your current or savings account nominated by you in the application form. The remaining balance of the approved amount which are to be used for consolidating your facilities granted by other financial institutions will be disbursed directly to those respective facilities via GIRO transfer, as per account details provided in the redemption statement/latest closure quotation of personal loan/latest credit card statement provided by you.