Citibank N.a. SWIFT/BIC code

SWIFT/BIC code of Citibank N.a.

If an invoice shows CITIHKHX or CITIHKHXXXX, it is the same address for Citibank N.a. in Hong Kong SAR China. Banks worldwide use these codes to direct international transfers to the correct institution. You will need it mainly when dealing with payments that cross a border and payments in foreign currencies.

We wrote this page to help people who receives money at an account at Citibank N.a. without mistakes. The BIC names an institution, never a single account.

What the XXX in CITIHKHXXXX means

A BIC is made up of a few fixed parts: the first four letters identify the bank, the next two give the country and characters seven and eight mark the location. Together, these eight characters make up CITIHKHX, the code most people search for.

Many payment forms accept either length. If yours asks for eleven characters, enter CITIHKHXXXX.

Do not add spaces when you enter CITIHKHX; the code is always written in one block. A wrong character can send the money to another bank, so check it twice.

Paying into Citibank N.a. in HKD

The national currency of Hong Kong SAR China is the Hong Kong Dollar (HKD). When you pay money in a different currency, the amount has to be converted somewhere along the way. Every conversion eats into something, even when no fee is shown.

Where the conversion happens affects the final amount, as rates and margins differ per bank. Often it is cheaper to send HKD straight away via a provider with a good rate, so that the receiving bank does not need to convert again.

Exchange rates change all the time. If you pay regularly, a slightly better rate add up over a year.

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

How quickly a transfer reaches Citibank N.a. depends on a few things: which currency you send, the number of banks in between, daily processing deadlines and time zones. Bank holidays in either country add a day or more to the journey. Occasionally a bank asks about the purpose of a payment.

If a transfer seems delayed, ask the sending bank for the status and the transaction reference so they can trace it along the chain. Specialist transfer services usually provide tracking in their app so you can see where the payment has got.

A missing payment is traced from the sending side. On the receiving end, it helps to check your statements to see a partial amount because fees can reduce the amount.

Protect yourself against fake payment requests

Fraudsters often send payment requests containing changed bank details, sometimes in an email that looks completely genuine. The fact that CITIHKHX exists does not mean that the account is legitimate; criminals use the codes of real banks too.

Before paying, verify a change of bank details through a phone call on a number you know, not one from the message. Watch out for urgent requests, unusual wording or a sender address that is slightly off. If money has already gone to the wrong account, contact your bank immediately – speed improves the chance of getting it back.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference. A payment confirmation from the sender proves nothing.

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

Citibank N.a. uses 10 different SWIFT/BIC codes across 2 locations. One of them is the head office code; the others belong to branches or departments, and sometimes specific services.

If nobody asks you for a branch code, go with CITIHKHXXXX or its short form CITIHKHX. A branch code only makes sense if the recipient’s bank specifically mentions it, which is more common for corporate accounts and specialised services.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes are more likely to change than the head office code.

Incoming international payments to Citibank N.a.

To receive an international payment into your account at Citibank N.a., the person paying you needs more than the BIC. The basics are: the account holder’s name, account number or IBAN, CITIHKHXXXX or CITIHKHX and often your postal address.

Some sending banks want the bank’s address, so keep it at hand. Double-check the details before you share them.

The amount you receive can be lower than what was sent. Intermediary banks may deduct a fee, and if the currency changes, a markup on the rate comes on top. Make clear with the sender who covers the fees.

About this information

The details here are taken from public sources that we update regularly. Banks merge, change names and change codes, and a directory never catches every change immediately. Counts and locations are from our directory and may differ from what Citibank N.a. publishes.

Treat the information on this page as a helpful check and rely on the recipient or Citibank N.a. for the final confirmation. We are an independent comparison service for money transfers and not affiliated with Citibank N.a.. Found outdated information? Let us know through the contact page.

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

The price of a payment abroad has several parts, and the transfer fee is only the most visible one. On top of the transfer fee, correspondent or intermediary banks may deduct a fee, and when the money changes currency the bank usually uses a rate below the actual market rate.

Most of the cost usually sits in the exchange rate, rather than in the fee: many banks convert using an exchange rate that includes a margin. An easy check: set the bank’s rate against the mid-market rate for the same moment and work out the difference on your amount.

Specialised transfer providers frequently use a rate near the mid-market rate and lower fees. GoldexPay lists these services side by side, showing the amount the recipient gets. You can always use your account at Citibank N.a. as the source of the money.

Before you send: check the Citibank N.a. code

The best place to find the correct BIC is a document from the bank itself like a bank statement or the account page in online banking. If the code you have does not match CITIHKHX or CITIHKHXXXX, stop and ask: check with the recipient or with Citibank N.a. directly.

With a wrong code, the transfer may be delayed, bounce back or end up costing more, and tracing it can take weeks. A mistake in the IBAN or account number is more serious; check it just as carefully.

A validity check in your banking app only tells you that the code exists, not that it is the right account. If your bank offers it, a name check before sending gives an extra layer of safety. When you pay someone new, some people send a small test amount.