Citibank N.a. Nairobi SWIFT/BIC code

CITIKENA – the SWIFT/BIC code of Citibank N.a. Nairobi

The 8-character code CITIKENA and the 11-character code CITIKENAXXX refer to the same bank: Citibank N.a. Nairobi in Nairobi, Kenya. Every bank on the SWIFT network uses BIC codes to direct international transfers to the correct institution. In daily life you mostly come across the code on international invoices, in payment forms and in the bank details that Citibank N.a. Nairobi provides.

Below we go through the practical questions: money coming in from abroad, sending money abroad and how to verify the code before you hit send. The BIC names a bank or branch, never a single account.

How to check CITIKENA before you pay

Ask the recipient to send you the bank details directly from their online banking. Check that code with CITIKENA here and ask if anything does not match.

A wrong SWIFT code may lead to a delay, a payment being sent back or extra fees for investigation. Do not forget the account number: an error there is more difficult to undo than a wrong code.

A validity check in your banking app merely tells you that the code exists – not that it belongs to the person you mean to pay. If your bank offers it, a payee name check before sending gives an extra layer of safety. A small test payment can be worth it for large sums, even if it costs an extra fee.

Paying someone abroad from your Citibank N.a. Nairobi account

What you pay for a payment abroad has more than one component – not just the fee on your screen. You pay the transfer fee, possibly fees charged by intermediary banks along the way and, above all, the exchange rate markup if the currency changes.

The real cost is often in the rate, not in the fee: many banks convert at a rate that includes a margin. An easy check: set the bank’s rate against the mid-market rate and look at the difference.

For a lot of currency pairs, a specialist provider is cheaper than a bank – mostly thanks to the rate. GoldexPay compares the amount that arrives with different services, which makes the cheapest option easy to spot. You can always use your account at Citibank N.a. Nairobi, while a cheaper service handles the conversion.

Scams that use SWIFT codes

A common scam works like this: you receive a request saying that a contact has a new bank account. That CITIKENA is a real code is no guarantee that a request mentioning it is genuine; criminals use the codes of real banks too.

Before paying, verify changed bank details through a phone call, using a number you already had. Urgency or secrecy tend to be red flags. When a payment has already gone to a fraudster, contact your bank immediately – speed improves the chance of getting it back.

Scams can also target the receiver. Someone sends more than agreed and wants you to refund the difference to a new account. Wait until the money is actually in your account and check with Citibank N.a. Nairobi if anything seems off.

How up to date is this code?

The details on this page come from public sources which we refresh regularly. It can happen that information here is out of date, for example after a merger. Counts and locations are from our directory and are not confirmed by Citibank N.a. Nairobi.

For any payment of any size, confirm the code with the recipient’s bank or with the recipient. GoldexPay is not affiliated with Citibank N.a. Nairobi, we only compare transfer services. If you notice something that is out of date, we welcome a short note.

CITIKENA or CITIKENAXXX – which one to use?

A BIC is made up of a few fixed parts: characters one to four identify the bank, the next two show the country and the two after that indicate the location. That gives you CITIKENA, the short form of the code.

XXX at the end of CITIKENAXXX is not a missing value or a mistake: it indicates the main office of Citibank N.a. Nairobi. Some forms ask for 11 characters, and then you can enter XXX after CITIKENA.

Leave out spaces or dashes when you type CITIKENA. Copying the code is safer than typing it by hand: a typo can point to another bank.

Citibank N.a. Nairobi: head office code versus branch codes

With 2 codes in 1 locations, Citibank N.a. Nairobi belongs to the banks that register separate codes for branches. The main code remains CITIKENAXXX.

If nobody asks you for a branch code, go with CITIKENAXXX or its short form CITIKENA. If you have been given a specific code, stick to it rather than swapping it for the head office code.

The safest approach is to copy the code directly from the account holder’s statement. Codes can change over time.

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

There is no single answer for international payments: many arrive the same day or the next, others take several business days. Weekends and public holidays in the sending or receiving country add a day or more to the journey. Extra checks on larger or unusual payments can also cause a delay, even when all details are correct.

When a payment takes longer than expected, contact the sending bank for the status so they can trace it along the chain. Keep your transfer receipt until the recipient confirms; it contains the details a bank needs to start a trace.

If a payment has not arrived within the expected time, the sender needs to start with the bank that sent it. Ask the sender for the payment receipt including the reference; that often settles the question quickly.

What to give a sender who pays you at Citibank N.a. Nairobi

To receive an international payment at Citibank N.a. Nairobi, the person paying you needs more than the BIC. Share your name as the bank knows it, the IBAN or account number, SWIFT code CITIKENAXXX and your address, which some banks require.

You can include Citibank N.a. Nairobi and Nairobi as well, since some forms ask for it. Double-check every detail before you send them – a sender rarely spots a mistake in someone else’s details.

Money from abroad does not always arrive in full. Correspondent banks can take a fee and your own bank may charge for processing, and if the currency changes, an exchange rate margin applies. Agree with the sender who pays which costs before the money is sent.