Citibank Europe PLC SWIFT/BIC code

What CITIIE2X means for a payment to Citibank Europe PLC

The short code CITIIE2X and the full code CITIIE2XXXX identify the same bank: Citibank Europe PLC in Dublin, Ireland. A SWIFT code tells the banks handling a payment which institution is meant to get the money, a bit like a postal address for banks. It comes up mostly when dealing with payments that cross a border and payments in foreign currencies.

This page is meant to help people who sends money to an account at Citibank Europe PLC without mistakes. A SWIFT code identifies an institution, not a specific account; the IBAN or account number does that.

Is CITIIE2X still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Compare that code with CITIIE2X on this page.

Mistakes in the BIC tend to be costly more than disastrous – usually the money comes back, minus fees and time lost. An error in the account number can be a bigger problem, so check that just as carefully.

An automatic check by your bank only tells you that the IBAN is valid, not that it is the right account. Some banks now check the name with the account; take any warning seriously. For a first payment, many people send a small test amount.

Getting paid from abroad into a Citibank Europe PLC account

If you are waiting for money from abroad, send the payer everything they need in one go. What they need is: the account holder’s name, IBAN or account number, CITIIE2XXXX and often your postal address.

Their bank may request the bank address of Citibank Europe PLC. A typo in the IBAN is more trouble than you might think, so copy the details from your online banking.

Money from abroad will not always arrive for the full amount. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, a markup on the rate comes on top. On invoices, you can agree how the fees are split.

What the XXX in CITIIE2XXXX means

Every SWIFT/BIC code starts with the same eight core characters: four letters for the bank, a two-letter country code and a two-character location code. In this case, the 8-character core is CITIIE2X.

XXX at the end of CITIIE2XXXX does not stand for a placeholder or a mistake: it stands for the main office of Citibank Europe PLC. Certain payment forms ask for 11 characters, in which case you can enter XXX after CITIIE2X.

Enter the code as one block, in capitals and without separators, exactly as shown here. Copying the code beats typing it by hand.

Scams that use SWIFT codes

Scammers regularly send payment requests containing changed bank details. The fact that CITIIE2X exists does not mean that the account is genuine; criminals use the codes of real banks too.

Check new payment details via a separate channel, such as a phone number you already know. Be suspicious of time pressure, odd spelling or an email address that differs by one letter. If money has already gone to a fraudster, call your bank right away.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much and then sends a request to refund the difference abroad. Do not act before the money is actually in your account – ask Citibank Europe PLC if something looks wrong.

About this information

The directory on GoldexPay draws on public sources. It is possible that a code on this page is out of date. Figures such as the number of codes are from our directory and may differ from what Citibank Europe PLC publishes.

Treat our data as a reference, not as the final word – the bank details from the recipient are leading. We are an independent comparison service for money transfers and not part of Citibank Europe PLC. If you notice something that is out of date, we welcome a short note via the contact page.

Sending money abroad from Citibank Europe PLC

The price of an international transfer is made up of more than one component. On top of the transfer fee, banks in between can deduct a fee, and when currencies are converted the bank often uses a rate below the actual market rate.

Many banks do not list the margin on the rate separately – you only notice it if you compare. A simple test: put the bank’s rate against the mid-market rate for the same moment and look at the difference.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. GoldexPay lists transfer providers next to each other, showing the amount the recipient gets for the same amount sent. You can still keep your account at Citibank Europe PLC as the source of the money, while a cheaper service handles the conversion.

Sending EUR to Citibank Europe PLC

Accounts at Citibank Europe PLC are typically held in EUR, the local currency. If you send another currency it has to be converted at some point. You rarely see a separate line for that conversion; it is built into the rate.

Where the conversion happens affects how much arrives, as rates and margins differ per bank. Often it is cheaper if you send EUR straight away through a provider with a good rate, so that the receiving bank does not need to convert again.

The rate for EUR fluctuates constantly, so the amount you see is usually only valid for a short time. If you pay regularly, a slightly better rate make a real difference over a year.

Which of the 4 codes of Citibank Europe PLC do you need?

Having 4 codes in 1 locations, Citibank Europe PLC is one of the banks that use separate codes for parts of the organisation. The main code remains CITIIE2XXXX.

Usually you do not need to look up a branch: payments addressed to CITIIE2XXXX are routed within Citibank Europe PLC without problems. If you have been given a specific code, stick to it instead of replacing it for the head office code.

If you are not sure, ask the person you are paying which code their bank gave them. Branch codes are more likely to change than the head office code.

Do you need CITIIE2X for a SEPA transfer?

Ireland belongs to the SEPA area. When you send euros from another SEPA country, you normally only need the IBAN; many banks no longer ask for the BIC.

Outside the euro and from non-SEPA countries, CITIIE2XXXX or CITIIE2X is still required. A few banks and apps also ask for the BIC; in that case, fill in CITIIE2X or CITIIE2XXXX.

Euro payments within SEPA normally land within one business day; instant payments are faster if both banks offer them. Charges on SEPA transfers are generally low.

How long does an international transfer to Citibank Europe PLC take?

How fast a transfer reaches Citibank Europe PLC depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and time zones. Transfers sent after the cut-off time or on a weekend or public holiday usually start a business day later. Occasionally a bank asks about the purpose of a payment, which can hold things up.

If a transfer is delayed, contact your bank about the status and the transaction reference. Keep the payment confirmation until the money has arrived – you will need it for any trace request.

A delayed transfer has to be investigated by the sending bank. Request from the sender a copy of the payment confirmation; that often settles the question quickly.