Citibank NA SWIFT/BIC code

SWIFT/BIC code of Citibank NA

Whether you are given CITIBSNA or CITIBSNAXXX, you are looking at the identical identifier for Citibank NA in Bahamas. Every bank on the SWIFT network uses these codes to direct international transfers to the correct institution. In practice you mostly see the code on invoices from abroad, in your banking app and in the bank details that Citibank NA provides.

On this page you can read how the code means, when it matters and which other details a transfer to or from Citibank NA requires. Remember that the BIC only identifies the bank, not the person: the account number or IBAN does that part.

Before you send: check the Citibank NA code

The safest source for the BIC is the bank details provided by the recipient – an invoice, a statement or a screenshot from online banking. Compare that code against CITIBSNA on this page and ask if anything does not match.

Errors in the SWIFT code are annoying more than disastrous: often the payment comes back, minus fees. An error in the IBAN or account number can be more serious, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank merely confirms that the IBAN exists, not that it is the right account. If your bank offers it, a name check before sending gives extra certainty. Sending a small amount first is a sensible step for a large first payment.

A note on our data

We gather SWIFT/BIC codes using publicly available data and update our list regularly. Even so, banks merge, rename themselves or retire codes. Figures such as the number of codes are from our directory and may differ from what Citibank NA publishes.

Use this page as a starting point, rather than as the final word. GoldexPay is not affiliated with Citibank NA. If you notice something that is out of date, we appreciate a message.

Getting paid from abroad into a Citibank NA account

To receive an international payment at Citibank NA, the sender needs more than the SWIFT code. The basics are: the account holder’s name, account number or IBAN, CITIBSNAXXX or CITIBSNA and in many cases your home address.

Their bank may also ask for the address of your bank. Double-check each detail before you share them, because the sender’s bank usually copies them as is.

Do not be surprised if the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers vary per bank. On invoices, you can agree who bears the costs to avoid a shortfall.

Head office or branch code at Citibank NA?

Our database contains 2 SWIFT/BIC codes for Citibank NA in 1 places. Next to the head office code CITIBSNAXXX, you will find codes for individual branches and departments.

If nobody asks you for a branch code, use CITIBSNAXXX. When you receive a branch code, stick to it rather than replacing it for the head office code.

If you are not sure, ask the person you are paying for the exact BIC in their bank details. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Paying someone abroad from your Citibank NA account

A bank transfer abroad can cost more than the listed fee. On top of the transfer fee, banks in between may take a cut, and when currencies are converted the bank usually uses a rate that is less favourable than the actual market rate.

Banks rarely show the margin on the rate separately. An easy check: set the bank’s rate against the mid-market rate and work out the difference on your amount.

For a lot of routes, a specialist provider is cheaper than a traditional bank transfer – mostly thanks to the rate. On GoldexPay we compare what recipients receive with different services, which makes the cheapest option easy to spot. You can always keep your account at Citibank NA to fund the transfer, while a cheaper service handles the conversion.

Scams that use SWIFT codes

Scammers often send payment requests with new bank details. A correct SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Do not rely on a phone number in the same message that contains the change. Urgency and secrecy tend to be red flags – a real supplier can wait a day. If a payment has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

Scams also target the receiver: someone sends too much and wants you to return the difference to a new account. A screenshot of a transfer is no proof – check your own account.

Transfer times and tracking a payment to Citibank NA

An international transfer usually needs one to a few business days, depending on the currency, the route and the banks involved. Weekends and public holidays in either country add extra days. Sometimes a bank asks about the purpose of a payment, which can hold things up.

If a transfer is delayed, ask your bank for the status or the UETR. Save your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

A missing payment is traced from the sending side on the basis of the transfer details. As a recipient, you can look at your statements for a partial amount.

CITIBSNA or CITIBSNAXXX – which one to use?

Each SWIFT/BIC code has the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. That gives you CITIBSNA.

Many payment forms accept both lengths. If yours asks for eleven characters, use CITIBSNAXXX.

In practice the code is written in capitals, without spaces or dashes. Watch for the letter O and the digit 0 and the letter I and the digit 1; they are easy to mix up.