Citibank N.a. SWIFT/BIC code

Citibank N.a. SWIFT code: CITITHBX

CITITHBX and CITITHBXXXX are the short and the long form of the same SWIFT/BIC code, and both point to Citibank N.a. in Bangkok. The code does one job: it ensures that an international payment ends up at the right bank. In practice you usually come across it on invoices from abroad, in your banking app and in the bank details of Citibank N.a. customers.

We wrote this page to help people who pays into an account at Citibank N.a. without mistakes. A SWIFT code names an institution, not a specific account.

About this information

The details here come from public sources. It is possible that a code here is no longer current after a merger or reorganisation. The figures on this page are based on our own data.

Use our data as a starting point, not as the final word – the bank details from the recipient are leading. GoldexPay has no connection to Citibank N.a., we only compare transfer services. Spotted an error? Let us know via our contact form.

Choosing between the 2 SWIFT codes of Citibank N.a.

Having 2 codes, Citibank N.a. is one of the banks that register separate codes for parts of the organisation and departments. The head office code is CITITHBXXXX.

If nobody asks you for a branch code, use CITITHBXXXX or its short form CITITHBX. Just use a branch code when the recipient gives you that exact code, for example on a letter or invoice.

The safest approach is to take the code directly from the account holder’s bank details. Branch codes are sometimes changed or retired over time, so a code from an old document is not always valid.

The Thai Baht and what conversion costs you

Most accounts at Citibank N.a. are usually held in THB, the national currency of Thailand. When you pay another currency, the amount gets converted at some point. You rarely see a separate charge for that conversion – the cost sits in the rate.

Who does the conversion affects how much arrives, as rates and margins differ per bank. Sending the amount directly in THB usually avoids a second conversion.

The THB rate fluctuates throughout the day. If you pay regularly, small differences in the rate add up over time.

Tracking a transfer to or from Citibank N.a.

There is no fixed answer for every transfer: many arrive within a day, others take several business days. Payments made after the cut-off time or just before a weekend or public holiday often go out the next business day. Compliance checks on larger or unusual payments may also cause a delay, even when all details are correct.

If the money is late, contact the sending bank for the status and the transaction reference so they can trace it along the chain. Money transfer services often show tracking in their app showing where the payment has got.

If the money does not arrive within the expected time, the sender should contact their own bank, not the receiving bank. Ask the sender for a copy of the payment confirmation with the date and reference – it helps your own bank look for the money.

Changed bank details? Be careful

Be alert when someone suddenly wants you to send money to a different account abroad. A valid SWIFT code tells you nothing about who owns the account: scammers use real codes of real banks.

Never rely on contact details in the same message that contains the change. Watch out for urgent requests, odd spelling or a sender address that is slightly off. Already paid? Contact your bank without delay and have them try to recall the payment.

People receiving money can be targeted as well: one known trick is a buyer who pays too much followed by a request to send back the difference. Wait until the money has really arrived.

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

The safest source for the BIC is the recipient’s own bank details – an invoice, a statement or a screenshot from online banking. Compare it against CITITHBX on this page; if they differ, ask before you pay.

Errors in the BIC are annoying more than disastrous. Do not forget the IBAN: an error there can be more difficult to undo than a wrong code.

A format check by your bank merely confirms that the IBAN is valid, not that it is the right account. Where available, a name check on the recipient gives extra certainty. When you pay someone new, some people start with a small amount first before sending the rest.

8 or 11 characters: CITITHBX versus CITITHBXXXX

A BIC is built from fixed blocks: the first four letters stand for the bank, characters five and six give the country and the two after that indicate the location. Together, these eight characters make up CITITHBX – the version you usually see online.

XXX at the end of CITITHBXXXX is not a placeholder or a mistake: it stands for the head office of Citibank N.a.. Some forms insist on 11 characters, in which case you can enter XXX behind CITITHBX.

Leave out spaces when you enter CITITHBX. A wrong letter may route a payment to a different institution, so copy it carefully.

Sending money abroad from Citibank N.a.

When you transfer money to another country from Citibank N.a., the visible fee is rarely all of the cost. Besides a fixed fee, correspondent or intermediary banks may take a cut, and if currencies are converted the bank often uses a rate that is less favourable than the real market rate.

The real cost is often in the rate, rather than in the fee: the bank converts using an exchange rate with a margin built in. A simple test: put the bank’s rate next to the mid-market rate for the same moment and work out the difference on your amount.

Money transfer services frequently offer a rate near the mid-market rate. Next time you send money, take a minute comparing the total cost via GoldexPay instead of going straight to your bank. Choosing a specialist does not require closing your account at Citibank N.a. – you pay the provider from your own account.

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

If you expect money from abroad, give the sender everything they need in one go. The basics are: your name, IBAN or account number, CITITHBXXXX or CITITHBX and, for some countries, your home address.

You can add the bank name and its city too, because some payment forms have separate fields for them. Check every detail before you share them, because the sender’s bank usually copies them as is.

Expect that the amount credited is below what the sender paid. Fees for incoming transfers differ from bank to bank; check the price list of Citibank N.a.. For business payments, you can agree how the fees are split, so that nobody is left short.