Citibank Cairo SWIFT/BIC code

SWIFT/BIC code of Citibank Cairo

The 8-character code CITIEGCX and the full code CITIEGCXXXX refer to the same bank: Citibank Cairo. Every bank on the SWIFT network uses these codes to direct payments between countries to the right institution. You will need it mostly for payments that cross a border.

We wrote this page to help anyone who pays into an account at Citibank Cairo without mistakes. The BIC identifies a bank or branch, never a specific account, which is why you always need the account number too.

How long does an international transfer to Citibank Cairo take?

How quickly a payment reaches Citibank Cairo is determined by a few things: which currency you send, the number of banks in between, cut-off times and differences in time zone. Transfers sent after the cut-off time or just before a weekend or public holiday usually go out the next business day. Compliance checks on larger or unusual payments may also add some delay.

A growing number of banks use SWIFT gpi. Each payment gets a unique reference, the UETR, which your bank can use to see where the money is. Keep your transfer receipt until the recipient confirms.

Only the sending bank can start an official trace; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt.

Where our SWIFT data comes from

The directory on GoldexPay draws on public sources and is updated regularly. Institutions merge, close branches and change codes – a directory can be a step behind. Figures such as the number of codes come from our own dataset and are not confirmed by Citibank Cairo.

Before a payment that matters, always confirm the code with the recipient’s bank or the recipient. GoldexPay is independent of Citibank Cairo, we only compare transfer services. If you notice a mistake, we welcome a short note.

Watch out for payment fraud

Criminals often use fake invoices with changed bank details sent from what looks like a familiar address. The fact that CITIEGCX exists is no guarantee that the account is genuine – fraudsters use real bank codes as well.

Do not rely on contact details from the same email that announces the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. When a payment was sent 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 an overpayment and then sends a request to send back the difference abroad. Do not act before the money is actually in your account.

Head office or branch code at Citibank Cairo?

Our database contains 3 SWIFT/BIC codes for Citibank Cairo, spread over 2 locations. Next to the head office code CITIEGCXXXX, you will find codes for regional offices and specialised units.

For most incoming transfers, the head office code CITIEGCXXXX works fine. Branch codes are only needed if the recipient’s bank specifically asks for it.

The safest route is to take the code directly from the account holder’s bank details. Codes for branches are more likely to be retired than the head office code.

Sending money abroad from Citibank Cairo

What you pay for a payment abroad has several parts. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and if currencies are converted the bank often uses a rate below the actual market rate.

The markup on the rate tends to be the biggest item, and it is easy to miss. Check their rate against the mid-market rate – the rate you find on financial news sites. The difference is your real conversion cost.

For a lot of routes, a transfer service turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. Before your next transfer, it is worth comparing what arrives on GoldexPay. You can always keep your account at Citibank Cairo as the source of the money; only the conversion and sending happen elsewhere.

Getting paid from abroad into a Citibank Cairo account

When you are waiting for money from abroad, give the sender everything they need in one go. The basics are: your name, IBAN or account number, CITIEGCXXXX and in many cases your home address.

Their bank might request the address of your bank, in which case the Cairo head office is the usual answer. A typo in the IBAN can be harder to fix than you might think; copy them from your banking app rather than typing.

Expect that the incoming amount is below the amount on the sender’s receipt. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate applies. Agree with the sender who pays which costs before the money is sent.

CITIEGCX or CITIEGCXXXX – which one to use?

The structure of every SWIFT code is always the same: a bank code of four letters, a two-letter country code and two for the location, plus an optional branch code. The result is CITIEGCX.

XXX at the end of CITIEGCXXXX does not stand for a missing value or a mistake: it stands for the main office of Citibank Cairo. Some banking apps insist on 11 characters, and then you simply enter XXX after CITIEGCX.

Do not add spaces, dots when you enter CITIEGCX or CITIEGCXXXX. Copying the code is safer than typing it by hand, because one wrong letter changes the bank.

Before you send: check the Citibank Cairo code

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. If the code you have differs from CITIEGCX or CITIEGCXXXX, do not guess.

Errors in the SWIFT code are costly more than fatal – usually the money comes back, minus fees and time lost. Remember the IBAN: an error there can be more difficult to correct than a wrong BIC.

Most online banking apps validate the structure of an IBAN. Where available, a payee name check before sending adds extra certainty. A small test payment can be a sensible step for large sums, even if it costs an extra fee.