Citibank N.a. SWIFT/BIC code

Citibank N.a. SWIFT code: CITITNTX

If an invoice shows CITITNTX or CITITNTXXXX, it is the same identifier for Citibank N.a. in Tunisia. A SWIFT code shows the sending bank which institution should receive the money, a bit like a postal address for banks. It comes up mainly when dealing with transfers between countries.

Below you will find the practical questions: money coming in from abroad, sending money abroad and how to check a SWIFT code before you confirm a payment. A SWIFT code identifies an institution, not a specific account.

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

The most reliable source for a SWIFT code is the recipient’s own bank details. Compare it with CITITNTX on this page.

A wrong SWIFT code can cause a delay, a payment being sent back or extra fees for investigation. Do not forget the account number: a mistake there is harder to undo than a wrong code.

Most online banking apps validate the format of an IBAN and sometimes look up the BIC automatically, but that does not prove the account belongs to the right person. Some banks now check the name with the account; take any warning seriously. When you pay someone new, many people start with a small amount first before sending the rest.

Paying someone abroad from your Citibank N.a. account

A bank transfer abroad costs rather more than the listed fee. Besides a fixed fee, correspondent or intermediary banks may take a cut, and when the money changes currency, the bank often uses a rate that is less favourable than the real market rate.

Most of the cost usually sits in the exchange rate: many banks convert using an exchange rate that includes a margin. Compare the rate you are offered against the mid-market rate, the midpoint between buy and sell rates you see on financial sites. The difference is your real conversion cost.

For many currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer, mainly because of the exchange rate. GoldexPay compares transfer providers next to each other so you can see what actually arrives. Using a transfer service does not mean leaving Citibank N.a. – you pay the provider from your own account.

Watch out for payment fraud

Scammers regularly use payment requests with changed bank details. A real SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Check new payment details via a separate channel like a call to a number from an earlier contract. Be suspicious of urgent requests, odd spelling or a sender address that is slightly off. When a payment was sent to a fraudster, contact your bank immediately.

People receiving money are targeted too: one known trick is a buyer who pays too much and then sends a request to send back the difference to another account. A payment confirmation from the sender is no proof.

CITITNTX or CITITNTXXXX – which one to use?

A BIC is made up of fixed blocks: the first four letters identify the bank, characters five and six show the country and the two after that indicate the location. For Citibank N.a., that core is CITITNTX.

The 11-character version adds a three-character extension that identify a branch or department. If the last three are XXX, they simply mean the head office, which is why CITITNTXXXX and CITITNTX lead to the same place.

In practice the code is written in capitals, without spaces or dashes. Look out for O versus 0 and I versus 1; they are easy to mix up.

Head office or branch code at Citibank N.a.?

Having 2 codes, Citibank N.a. is one of the banks that register separate codes for branches and departments. The main code is CITITNTXXXX.

For most payments to a private or business account, the head office code CITITNTXXXX is what you need. Only use a branch code when the recipient gives you that exact code, for example on an invoice or in their bank details.

If you are not sure, check with the recipient which code their bank gave them. Codes for branches are more likely to be retired than CITITNTXXXX.

About this information

The details on this page come from public sources which we refresh regularly. Banks reorganise, change names and change codes – a directory can be a step behind. Counts and locations come from our directory and may differ from what Citibank N.a. publishes.

Use this page as a reference, not as the last word. GoldexPay is an independent comparison site and not affiliated with Citibank N.a.. Spotted outdated information? Tell us via our contact form so we can correct it.

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

An international transfer usually takes one to a few business days, depending on the currency, the route and the banks involved. 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 may also cause some delay.

Many banks use SWIFT gpi for faster and traceable payments. Every payment carries a unique transaction reference, the UETR that banks can use to trace it. Money transfer services often provide a status online showing how far the money has got.

A delayed transfer has to be traced from the sending side on the basis of the transfer details. Request from the sender a copy of the payment confirmation with the date and reference; that often settles the question quickly.

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

If you expect money from abroad, give the sender a complete set of details. In practice that means: your full name as registered with Citibank N.a., your IBAN or account number, the BIC CITITNTXXXX and sometimes your address.

Some sending banks also ask for the address of Citibank N.a. in Tunis. A mistake in the IBAN is harder to fix than it looks, so copy the details from your online banking.

The amount you receive can be less than the amount sent. Charges on incoming payments differ per bank – the price list of Citibank N.a. tells you what applies. Agree with the sender who pays which costs.