Citibank N.a. SWIFT/BIC code

Citibank N.a. SWIFT code: CITICMCX

If an invoice shows CITICMCX or CITICMCXXXX, it is the identical address for Citibank N.a. in Cameroon. A SWIFT code shows the sending bank exactly which bank should receive the money, a bit like a postal address for banks. You will need it mainly when dealing with transfers between countries and payments in foreign currencies.

Further down you will find the practical side: receiving money at Citibank N.a., sending money abroad and how to check a SWIFT code before you hit send. Remember that the SWIFT code just identifies the bank, not the person: the account number or IBAN takes care of that.

Which of the 2 codes of Citibank N.a. do you need?

Citibank N.a. uses 2 different SWIFT/BIC codes across 1 locations. Only one is the head office code; the rest belong to branches.

If nobody asks you for a branch code, use CITICMCXXXX. When you receive a branch code, use it as it is instead of swapping it for the head office code.

Unsure which code applies? Check with the recipient. Codes can change over time, so do not rely on old paperwork.

Changed bank details? Be careful

Fraudsters regularly use fake invoices with new bank details sent from what looks like a familiar address. A correct SWIFT code says nothing about who owns the account: scammers use real codes of real banks.

Do not rely on a phone number from the same email that contains the change. Pressure and secrecy tend to be red flags; a genuine business can wait for you to check. Acted too fast? Contact your bank without delay and have them start a recall and report the fraud.

Scams also work the other way: someone sends more than agreed and asks you to refund the difference via a different route. Wait until the money is actually in your account and check with Citibank N.a. if anything seems off.

Sending money abroad from Citibank N.a.

What you pay for an international transfer has several parts – not just the fee on your screen. Besides a fixed fee, correspondent or intermediary banks can take a cut, and when currencies are converted, the bank often uses a rate below the real market rate.

The real cost is often in the rate, rather than in the fee: the bank converts at a rate with a margin built in. A simple test: set 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. Before your next transfer, take a minute to compare the total cost via GoldexPay rather than accepting the bank’s rate by default. You can still keep your account at Citibank N.a..

How to check CITICMCX before you pay

Ask the recipient to copy the bank details straight from a recent statement. If the code you have differs from CITICMCX or CITICMCXXXX, stop and ask: check with the recipient or with Citibank N.a. directly.

If the code is wrong, the transfer may be delayed, bounce back or cost extra. Remember the IBAN: an error there can be more difficult to undo than a wrong code.

Many banking apps check the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. More and more banks check the name with the account – do not ignore a mismatch warning. When you pay someone new, some people start with a small amount first before sending the rest.

Where our SWIFT data comes from

The codes on this page are taken from publicly available data which we refresh regularly. It can happen that information on this page is no longer current, for example after a merger. Figures such as the number of codes come from our directory and may differ from what Citibank N.a. publishes.

Treat this page as a reference, not as the last word – the bank details from the recipient are leading. GoldexPay is a comparison site for money transfers and not part of Citibank N.a.. If you notice a mistake, we welcome a message.

8 or 11 characters: CITICMCX versus CITICMCXXXX

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, two letters for the country and a two-character location code. That gives you CITICMCX.

Most banks and apps accept both lengths. If yours requires eleven characters, enter CITICMCXXXX, otherwise CITICMCX is fine.

Enter the code in one piece, in upper case and without spaces. A single letter may route a payment to a different institution.

How long does an international transfer to Citibank N.a. take?

An international transfer usually takes one to a few business days, depending on the currency, the route and the banks involved. Weekends and public holidays in the sending or receiving country can add extra days to the journey. Compliance checks on larger or unusual payments may also add a delay, regardless of the details.

When a payment takes longer than expected, contact your bank about the status so they can trace it along the chain. Keep the payment confirmation until the recipient confirms – you will need it for any trace request.

A missing payment is traced by the sending bank. Ask the sender for a copy of the payment confirmation with the date and reference; that often settles the question quickly.

What to give a sender who pays you at Citibank N.a.

A sender in another country will ask for a few details about your account, and missing ones are a common cause of delays. Share the account holder’s name, your account number or IBAN, SWIFT code CITICMCXXXX and your address.

Some banks want the bank’s address in Douala, so keep it at hand. A mistake in the IBAN is harder to fix than you might think.

What lands in your account can be lower than what was sent. Intermediary banks may deduct a fee, and when currencies differ, an exchange rate margin applies. On invoices, you can agree who bears the costs.