Citibank N.a. SWIFT/BIC code

CITIGALX – the SWIFT/BIC code of Citibank N.a.

The short code CITIGALX and the 11-character code CITIGALXXXX identify one and the same institution: Citibank N.a. in Libreville, Gabon. The code does one job: it ensures that money from abroad reaches the right bank. In practice you mostly see the code on invoices from abroad, in your banking app and on the account details of Citibank N.a. customers.

On this page you will find how the code is put together, when it matters and what else a transfer to or from Citibank N.a. requires. The BIC identifies a bank or branch, not a specific account.

Is CITIGALX still correct? How to check

Have the recipient copy the bank details straight from a recent statement. When the code you were given does not match CITIGALX or CITIGALXXXX, do not guess.

An incorrect BIC can cause a delay, a returned payment or additional charges along the way. A mistake in the IBAN or account number is more serious, because the money may be credited to someone else; check it just as carefully.

Most online banking apps validate the format of an IBAN and some suggest the matching BIC, but that does not prove the account belongs to the right person. Some banks now check the name with the account before you confirm. For a first payment, many people start with a small test amount before sending the rest.

Watch out for payment fraud

Stay alert if someone suddenly asks you to pay into another account. A correct SWIFT code tells you nothing about who owns the account.

Always verify a change of bank details through a phone call on a number you know, not one from the message. Pressure or requests to keep it quiet are red flags. When money was sent to the wrong account, call your bank right away.

Fraud can also work the other way. Someone sends more than agreed and wants you to return the difference. Do not act before the money has really arrived and check with Citibank N.a. if anything seems off.

Incoming international payments to Citibank N.a.

For an international payment into your account at Citibank N.a., the person paying you needs more than the BIC. Give them the account holder’s name, your account number or IBAN, the BIC CITIGALXXXX and your address.

Some sending banks want the bank’s address in Libreville. Check the details before you share them.

Expect that the incoming amount is below what the sender paid. Charges on incoming payments differ from bank to bank; check the price list of Citibank N.a.. On invoices, you can state how the fees are split to avoid a shortfall.

8 or 11 characters: CITIGALX versus CITIGALXXXX

Every SWIFT/BIC code starts with the same eight core characters: a four-letter bank code, two letters for the country and a two-character location code. The result is CITIGALX, the short form of the code.

Many banks and apps accept either length. If a form asks for eleven characters, use CITIGALXXXX, otherwise CITIGALX is fine.

Enter the code as one block, in capitals and without spaces, exactly as shown here. A single letter can send the money to a different institution, so check it twice.

About this information

Our SWIFT/BIC directory draws on publicly available sources. Banks reorganise, change names and retire codes – a directory can be a step behind. The number of codes we show are based on our own data, not official figures from Citibank N.a..

See the information on this page as a helpful check and rely on the recipient or Citibank N.a. for the final confirmation. GoldexPay is a comparison site and not part of Citibank N.a.. If you notice something that is out of date, we welcome a short note via the contact page.

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

There is no single answer: many arrive within a day, others take several business days. Transfers sent late in the day or on a weekend or public holiday usually start a business day later. Compliance checks on larger or unusual payments can also cause some delay.

If a transfer seems late, ask the sending bank about the status; with that reference banks can see where the payment is. Specialist transfer services usually provide tracking in their app showing how far the money has got.

If a payment has not arrived after a few business days, the person who paid needs to contact the bank that sent it, not the receiving bank. On the receiving end, you can check your statements to see a slightly lower amount because fees can reduce the amount.

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

Having 2 codes in 1 cities, Citibank N.a. is one of the banks that register separate codes for parts of the organisation and departments. The main code remains CITIGALXXXX.

For most payments to a private or business account, the head office code CITIGALXXXX is what you need. Only use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

When in doubt, check with the recipient for the exact BIC in their bank details. Codes for branches are more prone to be retired than CITIGALXXXX when a bank merges or closes offices.

Sending money abroad from Citibank N.a.

What you pay for a payment abroad is made up of several parts – not just the fee on your screen. There is the transfer fee, possibly charges from correspondent banks along the way and, above all, the exchange rate markup if the currency changes.

Banks rarely list their exchange rate markup as a cost. Check the rate you are offered against the mid-market rate.

For a lot of routes, a transfer service is cheaper than a traditional bank transfer. On GoldexPay we compare the amount that arrives across providers, which makes the cheapest option easy to spot. Choosing a specialist does not require closing your account at Citibank N.a..