Citibank N.a. SWIFT/BIC code

SWIFT/BIC code of Citibank N.a.

CITIJESX and CITIJESXXXX are the short and the long form of the same bank identifier, and both lead to Citibank N.a. in St. Helier. A SWIFT code shows the banks handling a payment which institution should receive the money, much like a postcode for banks. You will need it mainly for payments that cross a border.

This page is meant to help anyone who receives money at an account at Citibank N.a. without mistakes. Keep in mind that the BIC only identifies the bank, not the person: the account number or IBAN takes care of that.

How up to date is this code?

The details on this page are taken from publicly available data which we refresh regularly. Still, banks merge, rename themselves or change codes and our data may lag behind. Figures such as the number of codes are from our directory and are not confirmed by Citibank N.a..

Treat the information here as a handy check. GoldexPay is independent of Citibank N.a., we only compare transfer services. Should you notice a mistake, we appreciate a message via the contact page.

CITIJESX or CITIJESXXXX – which one to use?

A BIC is built from a few fixed parts: the first four letters stand for the bank, characters five and six give the country and the two after that mark the location. Together, those parts form CITIJESX, the code most people search for.

Many payment forms work with both lengths. If a form asks for eleven characters, use CITIJESXXXX; if it wants eight, use CITIJESX.

In practice the code is typed in capitals. Look out for the letter O and the digit 0 and I versus 1; they are easy to mix up.

Protect yourself against fake payment requests

Be wary when a contact suddenly asks you to pay into a different account abroad. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Never trust a phone number in the same message that announces the new account. Be suspicious of time pressure, odd spelling or a sender address that is slightly off. When a payment was sent to the wrong account, call your bank right away – speed improves the chance of getting it back.

Scams can also work the other way. Someone claims to have sent too much and asks you to return the extra. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

Transfer times and tracking a payment to Citibank N.a.

How fast a payment reaches Citibank N.a. is determined by a few things: the currency, the number of banks in between, cut-off times and differences in time zone. Payments made late in the day or on a weekend or public holiday usually go out the next business day. Extra checks by one of the banks can also cause some delay, even when all details are correct.

Many banks are connected to SWIFT gpi. Each gpi transfer gets a unique reference, the UETR. Keep your transfer receipt until the recipient confirms – you will need it for any trace request.

A missing payment has to be investigated by the sending bank. Ask the sender for a copy of the payment confirmation; that often settles the question quickly.

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

When you send money abroad through Citibank N.a., the fee you see is only part of what you pay. There is the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the exchange rate markup.

The markup on the rate tends to be the biggest item because it is hidden in the rate. An easy check: set the rate you get against the mid-market rate for the same moment and work out the difference on your amount.

For a lot of currency pairs, a transfer service is cheaper than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute comparing what arrives on GoldexPay instead of going straight to your bank. You can still keep your account at Citibank N.a. to fund the transfer.

Getting paid from abroad into a Citibank N.a. account

For a transfer from abroad into your account at Citibank N.a., the person paying you has to have more than the BIC. What they need is: the account holder’s name, account number or IBAN, CITIJESXXXX or CITIJESX and in many cases your home address.

It helps to include the bank name and St. Helier too, because some payment forms have separate fields for them. Double-check each detail before you send them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than what was sent. Fees for incoming transfers vary from bank to bank. On invoices, it is common to state who bears the costs to avoid a shortfall.

Sending GBP to Citibank N.a.

Jersey pays in the British Pound (GBP). If you send money in a different currency it gets converted at some point: by your bank, an intermediary or Citibank N.a. itself. There is rarely a separate charge for that conversion.

Which bank converts the money matters. Check how much GBP arrives with several services.

Exchange rates change during the day – some services let you fix a rate in advance. For regular payments, a slightly better rate make a real difference over time.

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

The best place to find the correct BIC is paperwork issued by the bank like a bank statement or the account page in online banking. When the code you were given differs from CITIJESX or CITIJESXXXX, do not guess – contact the recipient or Citibank N.a..

An incorrect BIC may lead to delays, a returned payment or extra fees for investigation. Do not forget the IBAN: a mistake there is harder to correct than a wrong code.

An automatic check by your bank merely tells you that the code is valid, not that it is the right account. Some banks now compare the payee name with the account before you confirm; take any warning seriously. A small test payment is a sensible step for large sums, even if it costs an extra fee.

Which of the 3 codes of Citibank N.a. do you need?

Citibank N.a. has 3 different SWIFT/BIC codes. One of them is the head office code; the others belong to branches, and sometimes specific services.

Usually you do not need to look up a branch: transfers sent to CITIJESXXXX reach Citibank N.a. correctly. Just use a branch code when the recipient explicitly asks for it, for example on an invoice or in their bank details.

Not sure which code to use? Ask the recipient. Codes for branches are more likely to be retired than the head office code.