Citibank N.a. SWIFT/BIC code

Citibank N.a. SWIFT code: CITIBHBX

Whether you are given CITIBHBX or CITIBHBXXXX, you are looking at the identical identifier for Citibank N.a. in Bahrain. A SWIFT code tells the banks handling a payment exactly which bank should receive the money. In daily life you usually come across it on invoices from abroad, in your banking app and in the bank details that Citibank N.a. provides.

Further down you will find the practical questions: receiving money at Citibank N.a., sending money abroad and how to verify a SWIFT code before you hit send. Remember that the BIC just identifies the bank, not the account: the account number or IBAN does that part.

What a transfer from Citibank N.a. abroad really costs

An international bank payment costs more than the listed fee. Besides the transfer fee, correspondent or intermediary banks can deduct a fee, and when currencies are converted, the bank usually applies a rate that is less favourable than the actual market rate.

That exchange rate margin is often the largest item because it is hidden in the rate. An easy check: set the rate you get against the mid-market rate and look at the difference.

Money transfer services often use a rate near the mid-market rate and lower fees. On GoldexPay we compare what recipients receive across providers. You can always use your account at Citibank N.a. as the source of the money; only the conversion and sending happen elsewhere.

Head office or branch code at Citibank N.a.?

Citibank N.a. uses 3 different SWIFT/BIC codes across 1 cities. One of them is the head office code, CITIBHBXXXX; the others identify branches, and sometimes internal departments.

For the vast majority of payments to a private or business account, the head office code CITIBHBXXXX is what you need. Only use a branch code when the recipient explicitly asks for it.

The safest route is to copy the code straight from the account holder’s statement. Branch codes can change over time, so do not rely on old paperwork.

Getting paid from abroad into a Citibank N.a. account

For an international payment at Citibank N.a., the sender needs not just the BIC. Share your name as the bank knows it, your account number or IBAN, SWIFT code CITIBHBXXXX and your address.

It helps to include Citibank N.a. and its city too. Check each detail before you send them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be less than the amount sent. Fees for incoming transfers differ per bank; check the price list of Citibank N.a.. For business payments, you can state how the fees are split, so that nobody is left short.

How to check CITIBHBX before you pay

The best place to find the right code is paperwork issued by the bank, such as a statement or the account details in online banking. Compare that code against CITIBHBX here.

Mistakes in the BIC are annoying more than fatal – usually the money comes back, minus fees and time lost. 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 in your banking app merely confirms that the code is valid, not that it is the right account. Some banks now compare the payee name against the account before you confirm; take any warning seriously. When you pay someone new, some people start with a small amount first and wait for confirmation.

What the XXX in CITIBHBXXXX means

A BIC is made up of a few fixed parts: characters one to four identify the bank, the next two give the country and characters seven and eight indicate the location. Together, these eight characters form CITIBHBX – the version you usually see online.

XXX at the end of CITIBHBXXXX does not stand for a missing value or an error: it stands for the head office of Citibank N.a.. Certain payment forms insist on 11 characters, in which case you simply add XXX behind CITIBHBX.

Leave out spaces, dots when you type CITIBHBX; the code is always written in one block. A single character can send the money to another bank, so copy it carefully.

About this information

We gather SWIFT/BIC codes using public sources and update our list regularly. Even so, banks merge, rename themselves or retire codes and our data may lag behind. Figures such as the number of codes come from our own dataset and may differ from what Citibank N.a. publishes.

See the information on this page as a handy check. GoldexPay is not affiliated with Citibank N.a.. Spotted an error? Tell us via our contact form so we can correct it.

When will the money arrive at Citibank N.a.?

A SWIFT payment usually needs anywhere from one to several business days – it depends on currency, route and the banks in between. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment before releasing it.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every payment carries a unique reference, the UETR that banks can use to trace it. Keep the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank can start an official trace. Request from the sender a copy of the payment confirmation; that often settles the question quickly.

Watch out for payment fraud

Fraudsters regularly send fake invoices with new bank details sent from what looks like a familiar address. That CITIBHBX is a real code does not mean that the account is genuine.

Never rely on contact details in the same message that contains the change. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. Acted too fast? Contact your bank without delay and ask them to try to recall the payment; also report it to the police.

Scams can also work the other way. Someone claims to have sent too much and asks you to return the extra via a different route. Wait until the money has really arrived – ask Citibank N.a. if something looks wrong.