Citibank Europe PLC, Bulgaria Branch SWIFT/BIC code

Citibank Europe PLC, Bulgaria Branch SWIFT code: CITIBGSF

The 8-character code CITIBGSF and the full code CITIBGSFXXX identify the same bank: Citibank Europe PLC, Bulgaria Branch. A SWIFT code tells the banks handling a payment which institution should receive the money. In daily life you usually come across it on invoices from abroad, in payment forms and in the bank details of Citibank Europe PLC, Bulgaria Branch customers.

This page is meant to help people who sends money to an account at Citibank Europe PLC, Bulgaria Branch. A SWIFT code identifies a bank or branch, never a single account; the IBAN or account number does that.

Which of the 2 codes of Citibank Europe PLC, Bulgaria Branch do you need?

Our database contains 2 SWIFT/BIC codes for Citibank Europe PLC, Bulgaria Branch. Next to the head office code CITIBGSFXXX, there are codes for individual branches and departments.

For the vast majority of payments to a private or business account, the head office code CITIBGSFXXX is the right choice. A branch code only makes sense if the account holder specifically mentions it.

Unsure which code to use? Ask the recipient. Branch codes are sometimes changed or retired when banks reorganise, so do not rely on old paperwork.

Scams that use SWIFT codes

One of the most common tricks goes like this: an email arrives with a request saying that a contact now has a new bank account and that the next payment should go there. A valid SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Do not rely on contact details in the same message that contains the new account. Pressure or requests to keep it quiet tend to be red flags – a real supplier can wait a day. When money has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

People receiving money are targeted too: one known trick is a buyer who pays too much followed by a request to send back the difference abroad. A screenshot of a transfer is no proof.

International transfers from Citibank Europe PLC, Bulgaria Branch: the real cost

The price of a payment abroad has more than one component – not just the fee on your screen. On top of a fixed fee, banks in between may take a cut, and if currencies are converted the bank usually uses a rate that is less favourable than the actual market rate.

The markup on the rate is often the biggest item. A simple test: put the bank’s rate next to the mid-market rate and work out the difference on your amount.

Specialised transfer providers often offer a rate near the mid-market rate. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets. Choosing a specialist does not require closing your account at Citibank Europe PLC, Bulgaria Branch.

Transfer times and tracking a payment to Citibank Europe PLC, Bulgaria Branch

There is no single delivery time: many land the same day or the next while others need several business days. Weekends and public holidays in either country can add extra days. Occasionally a bank asks about the purpose of a payment, which can hold things up.

If a transfer seems late, contact your bank for the tracking status. Save the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. On the receiving end, you can check your statements to see a slightly lower amount.

Receiving money from abroad at Citibank Europe PLC, Bulgaria Branch

A sender in another country needs a few details from you. Give them your name as the bank knows it, your account number or IBAN, SWIFT code CITIBGSFXXX and your address, which some banks require.

The sender’s bank might request the bank address of Citibank Europe PLC, Bulgaria Branch, in which case the Sofia head office is the usual answer. Check every detail before you share them – a sender rarely spots a mistake in someone else’s details.

The amount you receive can be less than what was sent. Charges on incoming payments differ from bank to bank – the price list of Citibank Europe PLC, Bulgaria Branch tells you what applies. Make clear with the sender who pays which costs, especially for larger amounts.

Verifying the SWIFT code of Citibank Europe PLC, Bulgaria Branch

The most reliable place for the right code remains paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given does not match CITIBGSF or CITIBGSFXXX, do not guess.

A wrong SWIFT code may lead to delays, a returned payment or extra fees along the way. An error in the IBAN or account number can be more serious because it can reach the wrong person, so check that just as carefully.

Many banking apps validate the format of IBANs – that confirms the format, not the owner. If your bank offers it, a name check on the recipient adds an extra layer of safety. A small test payment is worth it for large sums despite the extra fee.

A note on our data

The directory on GoldexPay is based on publicly available sources and is updated regularly. Institutions reorganise, change names and retire codes, and a directory never catches every change immediately. The number of codes we show reflect our own data.

For a payment that matters, check the BIC with Citibank Europe PLC, Bulgaria Branch or the recipient. GoldexPay is an independent comparison service and not part of Citibank Europe PLC, Bulgaria Branch. If you notice something that is out of date, we welcome a short note via the contact page.

Paying Citibank Europe PLC, Bulgaria Branch in euros within SEPA

Bulgaria is a member of the Single Euro Payments Area (SEPA), the zone for standardised euro payments. When you send euros within SEPA, you normally only need the IBAN; many banks no longer ask for the BIC.

You will still need CITIBGSFXXX for non-euro payments or money from outside the SEPA area. Some forms still show a field for the BIC out of habit; if so, enter CITIBGSF or CITIBGSFXXX.

SEPA transfers usually arrive within one business day, and instant transfers in seconds where both banks support them. Charges on SEPA transfers are generally low.

Why Citibank Europe PLC, Bulgaria Branch has an 8- and an 11-character code

The layout of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location. For Citibank Europe PLC, Bulgaria Branch, the 8-character core is CITIBGSF.

Many banks and apps accept either length. If a form asks for eleven characters, use CITIBGSFXXX.

In practice the code is written in capitals. A wrong character may route the money to another bank.