Citibank Berhad SWIFT/BIC code

CITIMYKL – the SWIFT/BIC code of Citibank Berhad

CITIMYKL and CITIMYKLXXX are the short and the long form of the same bank identifier, and both point to Citibank Berhad in Kuala Lumpur. A SWIFT code shows the sending bank which institution is meant to get the money, much like a postcode for banks. In practice you usually come across the code on international invoices, in payment forms and on the account details of Citibank Berhad customers.

We wrote this page to help people who receives money at an account at Citibank Berhad. A SWIFT code identifies an institution, not a specific account.

What to give a sender who pays you at Citibank Berhad

If you expect a payment from another country, give the sender everything they need in one go. In practice that means: your name exactly as it appears on the account, your IBAN or account number, the BIC CITIMYKLXXX and sometimes your address.

Certain banks also ask for the name and address of Citibank Berhad, so keep it at hand. Double-check the details before you send them, because the sender’s bank usually copies them as is.

Money from abroad does not always land in full. Fees for incoming transfers vary per bank – the price list of Citibank Berhad tells you what applies. Make clear with the sender who covers the fees before the money is sent.

Where our SWIFT data comes from

We collect bank codes using publicly available data and check our list regularly. Banks reorganise, change names and retire codes. Counts and locations are from our own dataset and may differ from what Citibank Berhad publishes.

Before a payment that matters, always confirm the BIC with the recipient’s bank or with the recipient. We are an independent comparison service for money transfers and not affiliated with Citibank Berhad. Found outdated information? Let us know through the contact page so we can correct it.

When will the money arrive at Citibank Berhad?

There is no single delivery time: some arrive within a day, others take several business days. Bank holidays in either country can add extra days, since banks do not process on those days. Sometimes a bank asks about the purpose of a payment before releasing it.

When a payment takes longer than expected, ask your bank about the status and the transaction reference so they can trace it along the chain. Money transfer services usually provide tracking online showing where the payment is.

If the money does not arrive after a few business days, the person who paid needs to contact the bank that sent it. Request from the sender the payment receipt including the reference.

8 or 11 characters: CITIMYKL versus CITIMYKLXXX

The structure of a BIC is always the same: four characters for the institution, two for the country and two for the location, sometimes followed by a branch code. That gives you CITIMYKL, the short form of the code.

XXX at the end of CITIMYKLXXX does not stand for a placeholder or a mistake: it stands for the main office of Citibank Berhad. Some forms ask for 11 characters, in which case you can enter XXX after CITIMYKL.

In practice the code is written in capitals and without spaces. Watch for the letter O and the digit 0 or I versus 1.

Verifying the SWIFT code of Citibank Berhad

The safest source for the BIC is the bank details provided by the recipient. Compare it with CITIMYKL here and ask if anything does not match.

An incorrect BIC can cause a delay, a payment being sent back or additional charges for investigation. A mistake in the account number is a bigger problem because it can reach the wrong person; check it just as carefully.

A format check in your banking app merely confirms 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. Sending a small amount first is a sensible step for a large first payment, even if it costs an extra fee.

What a transfer from Citibank Berhad abroad really costs

A bank transfer abroad costs more than the fee suggests. Besides a fixed fee, correspondent or intermediary banks may take a cut, and when currencies are converted the bank often applies a rate that is less favourable than the real market rate.

Banks do not list the margin on the rate separately. An easy check: put the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

For many currency pairs, a specialist provider is cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares these services side by side so you can see what actually arrives before you commit. You can always keep your account at Citibank Berhad as the source of the money.

Changed bank details? Be careful

Be wary when a contact unexpectedly asks you to send money to another account. That CITIMYKL is a real code is no guarantee that a request mentioning it is legitimate.

Before paying, confirm changed bank details by phone, using a number you already had. Watch out for time pressure, unusual wording or an email address that differs by one letter. When a payment was sent to a fraudster, call your bank right away: the sooner they act, the better the chance of a recall.

Scams also target the receiver: someone sends too much and wants you to refund the difference via a different route. A screenshot of a transfer is no proof; only your own account shows what has arrived.

Citibank Berhad: head office code versus branch codes

Citibank Berhad uses 5 different SWIFT/BIC codes across 3 locations. One of them is the head office code, CITIMYKLXXX; the others belong to branches.

In most cases there is no need to pick a branch: transfers addressed to CITIMYKLXXX reach Citibank Berhad correctly. A branch code only makes sense when the recipient’s bank specifically asks for it.

The safest route is to take the code directly from the account holder’s bank details. Branch codes are more prone to be retired than the head office code when a bank merges or closes offices.