Ao Citibank, Moscow SWIFT/BIC code

CITIRUMX – the SWIFT/BIC code of Ao Citibank, Moscow

Whether a recipient gives you CITIRUMX or CITIRUMXXXX, it is the identical identifier for Ao Citibank, Moscow in Russia. A BIC has a single purpose: it ensures that money from abroad ends up at the right bank. In practice you usually see it on international invoices, in your banking app and in the bank details that Ao Citibank, Moscow provides.

We wrote this page to help anyone who receives money at an account at Ao Citibank, Moscow and wants to get the details right. Keep in mind that the BIC only identifies the bank, not the account: the account number or IBAN takes care of that.

CITIRUMX or CITIRUMXXXX – which one to use?

A SWIFT code is made up of fixed blocks: characters one to four stand for the bank, the next two show the country and the two after that mark the location. For Ao Citibank, Moscow, that core is CITIRUMX.

The 11-character version adds a three-character extension that identify a branch or department. When those three characters are XXX, they simply mean the head office, so CITIRUMXXXX and CITIRUMX are interchangeable.

Leave out spaces or dashes when you enter CITIRUMX or CITIRUMXXXX. A single letter can send the money to another bank, so check it twice.

How up to date is this code?

The directory on GoldexPay is based on public sources. It is possible that a code here is out of date. The figures we show reflect what is in our directory, not official figures from Ao Citibank, Moscow.

Treat our data as a reference, not as the last word: the recipient’s bank details come first. We are an independent comparison site and not affiliated with Ao Citibank, Moscow. Spotted an error? Tell us via our contact form so we can correct it.

When will the money arrive at Ao Citibank, Moscow?

An international transfer usually needs one to a few business days, depending on the currency, the route and the banks involved. Payments made after the cut-off time or on a weekend or public holiday often go out the next business day. Extra checks by one of the banks may also add some delay, even when all details are correct.

Many banks are connected to SWIFT gpi for faster and traceable payments. Every gpi transfer gets a unique transaction reference, the UETR, which your bank can use to see where the money is. Save the payment confirmation until the recipient confirms; it contains the details a bank needs to start a trace.

Only the sending bank can start an official trace or a recall; the receiving side usually has nothing to trace yet. Ask the sender for the payment receipt with the date and reference.

Incoming international payments to Ao Citibank, Moscow

When you expect money from abroad, send the payer all details at once. Give them your name as the bank knows it, the IBAN or account number, SWIFT code CITIRUMXXXX and your address.

You can include Ao Citibank, Moscow and its city as well, since some forms ask for it. Double-check every detail before you send them.

An incoming payment will not always land in full. Fees for incoming transfers differ from bank to bank – the price list of Ao Citibank, Moscow tells you what applies. Agree with the sender who pays which costs, especially for larger amounts.

Scams that use SWIFT codes

A common scam works like this: an email arrives with a request saying that a supplier has a new bank account and that the next payment should go there. The fact that CITIRUMX exists is no guarantee that a request mentioning it is legitimate – fraudsters use real bank codes as well.

Verify changed bank details via a separate channel. Urgency and secrecy are red flags – a real supplier can wait a day. If a payment has already gone to a fraudster, call your bank right away.

Recipients are targeted too: a classic trick is an overpayment and then sends a request to send back the difference abroad. A payment confirmation from the sender proves nothing; only your own account shows what has arrived.

International transfers from Ao Citibank, Moscow: the real cost

A bank transfer abroad can cost rather more than the fee suggests. You pay the fee for the transfer itself, possibly charges from correspondent banks along the way and, most importantly, the margin on the exchange rate if the currency changes.

The real cost is often in the rate: many banks convert using an exchange rate that includes a margin. A simple test: set the rate you get next to the mid-market rate for the same moment and look at the difference.

Money transfer services often use a rate near the mid-market rate. On GoldexPay you can compare the amount that arrives with different services, which makes the cheapest option easy to spot. Using a transfer service does not require leaving Ao Citibank, Moscow – you pay the provider from your own account.

Head office or branch code at Ao Citibank, Moscow?

Ao Citibank, Moscow uses 2 separate SWIFT/BIC codes across 1 locations. One of them is the head office code; the rest belong to branches or departments, and sometimes internal departments.

If nobody asks you for a branch code, go with CITIRUMXXXX or its short form CITIRUMX. Just use a branch code when your contact explicitly asks for it.

Unsure which code to use? Ask the recipient or the bank itself. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

Before you send: check the Ao Citibank, Moscow code

The most reliable source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Check that code against CITIRUMX here and ask if anything does not match.

With a wrong code, the transfer may get stuck, be returned or cost extra – sometimes after weeks of searching. A mistake in the IBAN or account number is a bigger problem, because the money may be credited to someone else; check it just as carefully.

Most online banking apps check the format of IBANs and some suggest the matching BIC, but that does not prove the account belongs to the right person. Some banks now compare the payee name against the account before you confirm – do not ignore a mismatch warning. Sending a small amount first can be a sensible step for a large first payment despite the extra fee.