Citibank Nigeria Limited SWIFT/BIC code

CITINGLA – the SWIFT/BIC code of Citibank Nigeria Limited

CITINGLA and CITINGLAXXX are two ways of writing the same bank identifier, and both lead to Citibank Nigeria Limited in Lagos. A SWIFT code tells the sending bank exactly which bank is meant to get the money, much like a postcode for banks. It comes up mostly for payments that cross a border or a currency.

This page is meant to help anyone who pays into an account at Citibank Nigeria Limited and wants to get the details right. Remember that the SWIFT code only identifies the bank, not the account: the IBAN or account number does that part.

Where our SWIFT data comes from

The codes here come from publicly available data which we refresh regularly. Even so, banks merge or change codes. Figures such as the number of codes come from our own dataset and are not confirmed by Citibank Nigeria Limited.

Treat the information on this page as a helpful check. GoldexPay is a comparison site for money transfers and not affiliated with Citibank Nigeria Limited. Should you notice something that is out of date, we appreciate a message.

Protect yourself against fake payment requests

Stay alert if someone suddenly asks you to pay into another account or a bank in another country. That CITINGLA is a real code is no guarantee that a request mentioning it is genuine – fraudsters use real bank codes as well.

Check new payment details via a separate channel like a call to a number from an earlier contract. Pressure and requests to keep it quiet tend to be red flags. If money has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

Scams also target the receiver: someone sends more than agreed and wants you to refund the difference. A payment confirmation from the sender is no proof.

International transfers from Citibank Nigeria Limited: the real cost

When you transfer money to another country via Citibank Nigeria Limited, the fee you see is rarely all of the cost. You pay the fee for the transfer itself, possibly charges from correspondent banks in between and, most importantly, the exchange rate markup when the money is converted.

Many banks rarely show the margin on the rate separately, but you pay it all the same. An easy check: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

Specialised transfer providers frequently offer rates closer to the mid-market rate and lower fees. GoldexPay compares the amount that arrives across services. Choosing a specialist does not require leaving Citibank Nigeria Limited.

Getting paid from abroad into a Citibank Nigeria Limited account

Someone abroad who wants to pay you will ask for a few details about your account – incomplete details often cause delays. Share the account holder’s name, your account number or IBAN, SWIFT code CITINGLAXXX and your address.

Certain banks also ask for the bank’s address in Lagos; it does no harm to include it. A typo in the IBAN is harder to fix than it looks, so copy the details from your online banking.

The amount you receive is often less than what was sent. Fees for incoming transfers differ per bank; check the price list of Citibank Nigeria Limited. For business payments, you can state how the fees are split to avoid a shortfall.

Tracking a transfer to or from Citibank Nigeria Limited

A SWIFT payment typically needs anywhere from one to several business days, depending on the currency, the route and the banks involved. Payments made after the cut-off time or on weekends and holidays usually go out the next business day. Occasionally a bank asks what the payment is for.

Many banks use SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique transaction reference, the UETR. Save your transfer receipt until the money has arrived.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for the payment receipt with the date and reference.

What the XXX in CITINGLAXXX means

The structure of every SWIFT code is always the same: a bank code of four letters, two for the country and two for the location. In this case, the 8-character core is CITINGLA.

Many payment forms work with either length. If a form asks for eleven characters, use CITINGLAXXX.

In practice the code is written in capitals and without spaces. A single character may route a payment to a different institution, so copy it carefully.

Before you send: check the Citibank Nigeria Limited code

The most reliable place for the correct BIC is paperwork issued by the bank, such as a statement or the account details in online banking. When the code you were given does not match CITINGLA or CITINGLAXXX, stop and ask – contact the recipient or Citibank Nigeria Limited.

Mistakes in the BIC tend to be costly more than disastrous. A mistake in the IBAN or account number is more serious because it can reach the wrong person.

Most online banking apps check the structure of IBANs and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. If your bank offers it, a payee name check before sending adds an extra layer of safety. A small test payment is a sensible step for a large first payment, even if it costs an extra fee.

Citibank Nigeria Limited: head office code versus branch codes

With 2 codes in 1 cities, Citibank Nigeria Limited belongs to the banks that register separate codes for branches and departments. The main code is CITINGLAXXX.

For the vast majority of payments to a private or business account, the head office code CITINGLAXXX is what you need. Branch codes are only needed when the recipient’s bank explicitly mentions it.

The best way is to copy the code directly from the account holder’s statement. Codes for branches are more prone to change than CITINGLAXXX when a bank merges or closes offices.