Citibank, N.a. SWIFT/BIC code

What CITIIDJX means for a payment to Citibank, N.a.

Whether you are given CITIIDJX or CITIIDJXXXX, it is the identical identifier for Citibank, N.a. in Indonesia. A BIC does one job: it ensures that an international payment ends up at the right bank. You will need it mainly when dealing with payments that cross a border.

On this page you will find what the code means, when it matters and what else you need for a transfer to or from Citibank, N.a.. A SWIFT code identifies an institution, not a single account; the IBAN or account number does that.

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

The most reliable source for the BIC is the bank details provided by the recipient. Compare that code with CITIIDJX on this page and ask if anything does not match.

A wrong SWIFT code can cause delays, a returned payment or additional charges for investigation. An error in the account number is more serious, because the money may be credited to someone else; check it just as carefully.

Most online banking apps check the format of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. More and more banks compare the payee name with the account before you confirm; take any warning seriously. Sending a small amount first can be a sensible step for large sums.

Why Citibank, N.a. has an 8- and an 11-character code

A SWIFT code is built from fixed blocks: characters one to four stand for the bank, characters five and six show the country and the two after that mark the location. For Citibank, N.a., the 8-character core is CITIIDJX.

The 11-character version adds a three-character extension for a branch or department. When those three characters are XXX, they simply mean the head office, so CITIIDJXXXX and CITIIDJX are interchangeable.

In practice the code is typed in capitals. A wrong character may route a payment to a different institution.

Incoming international payments to Citibank, N.a.

For an international payment into your account at Citibank, N.a., the person paying you needs not just the SWIFT code. That means: your name exactly as it appears on the account, your account number or IBAN, the BIC CITIIDJXXXX and usually your address.

Their bank might request the bank address of Citibank, N.a., in which case the Jakarta head office is the usual answer. Double-check every detail before you share them, because the sender’s bank usually copies them as is.

An incoming payment does not always land for the full amount. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. On invoices, it is common to state who bears the costs.

Choosing between the 4 SWIFT codes of Citibank, N.a.

With 4 codes, Citibank, N.a. is one of the banks that use separate codes for branches and departments. The head office code is CITIIDJXXXX.

If nobody asks you for a branch code, use CITIIDJXXXX or its short form CITIIDJX. Just use a branch code when your contact explicitly asks for it.

Not sure which code to use? Ask the recipient or the bank itself. Codes can change over time, so do not rely on old paperwork.

Sending money abroad from Citibank, N.a.

If you send money to another country through Citibank, N.a., the visible fee is only part of the cost. There is the fee for the transfer itself, possibly charges from correspondent banks in between and, most importantly, the margin on the exchange rate.

The markup on the rate tends to be the largest cost even though it is not listed as a fee. Check their rate with the mid-market rate, the midpoint between buy and sell rates you see on financial sites.

For a lot of currency pairs, a transfer service turns out to be less expensive than a bank. GoldexPay lists transfer providers next to each other so you can see what actually arrives. You can still keep your account at Citibank, N.a.; only the conversion and sending happen elsewhere.

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

A SWIFT payment usually takes anywhere from one to several business days – it depends on currency, route and the banks in between. Weekends and public holidays in either country add extra days, since banks do not process on those days. Sometimes a bank wants to know about the purpose of a payment.

Many banks use SWIFT gpi. Every payment gets a unique transaction reference, the UETR that banks can use to trace it. Save the payment confirmation; it contains the details a bank needs to start a trace.

Only the sending bank can start an official trace. As a recipient, you can look at your account to see a partial amount, since fees may have been deducted.

Watch out for payment fraud

Be wary when a contact unexpectedly wants you to pay into another account or a bank in another country. A real SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Check changed bank details through a separate channel like a call to a number from an earlier contract. Watch out for time pressure, unusual wording or a sender address that is slightly off. If money has already gone to a fraudster, contact your bank immediately.

Recipients can be targeted as well: a classic trick is an overpayment followed by a request to send back the difference to another account. A payment confirmation from the sender is no proof.

Where our SWIFT data comes from

The directory on GoldexPay draws on publicly available sources and we update it periodically. Even so, banks merge, rename themselves or change codes and our data may lag behind. Figures such as the number of codes are from our own dataset.

Treat our directory here as a handy check, and let the details from the recipient or Citibank, N.a. have the final say. GoldexPay is an independent comparison site for money transfers and not affiliated with Citibank, N.a.. Found an error? Tell us through the contact page so we can correct it.