Citibank N.a. SWIFT/BIC code

SWIFT/BIC code of Citibank N.a.

The 8-character code CITIUS33 and the full code CITIUS33XXX refer to one and the same institution: Citibank N.a. in New York,ny, United States. A BIC has a single purpose: it ensures that money from abroad ends up at the right bank. In daily life you usually see the code on invoices from abroad, in payment forms and on the account details of Citibank N.a. customers.

Below we go through the practical questions: money coming in from abroad, sending money abroad and how to verify a SWIFT code before you hit send. Keep in mind that the BIC only identifies the bank, not the account: the IBAN or account number takes care of that.

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

Our database contains 50 SWIFT/BIC codes for Citibank N.a., spread over 6 cities. Next to the head office code CITIUS33XXX, you will find codes for branches, departments or specific services.

In most cases you do not need to look up a branch: payments sent to CITIUS33XXX reach Citibank N.a. correctly. If you have been given a branch code, use it as it is rather than swapping it with the head office code.

The safest approach is to copy the code directly from the account holder’s statement. Codes are sometimes changed or retired over time.

About this information

Our SWIFT/BIC directory is based on public sources and is updated regularly. It can happen that a code on this page is out of date. The number of codes we show reflect what is in our directory and not on information from Citibank N.a. itself.

Before any payment of any size, always confirm the code with the recipient’s bank or with the recipient. GoldexPay is an independent comparison service and not affiliated with Citibank N.a.. If you notice something that is out of date, we appreciate a short note via the contact page.

Why Citibank N.a. has an 8- and an 11-character code

A SWIFT code is made up of a few fixed parts: the first four letters identify the bank, characters five and six give the country and the two after that indicate the location. That gives you CITIUS33.

XXX at the end of CITIUS33XXX does not stand for a placeholder or an error: it stands for the main office of Citibank N.a.. Some banking apps ask for 11 characters, and then you can add XXX after CITIUS33.

As a rule the code is typed in capitals, without spaces or dashes. Pasting the code is safer than typing it by hand: a typo can point to another bank.

The US Dollar and what conversion costs you

United States pays in the US Dollar, code USD. If you send another currency, the amount gets converted at some point. There is rarely a separate line for that conversion.

Which bank converts the money matters, because each party uses its own rate. Check how much USD the recipient gets via different providers; the difference between options can be larger than you expect.

Rates for USD change all the time – some services let you fix a rate in advance. On larger amounts, even seemingly small gap in the rate can be worth more than the fee.

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

There is no single delivery time for every transfer: many land within a day while others need several business days. Weekends and public holidays in either country add extra days, since banks do not process on those days. Occasionally a bank asks about the purpose of a payment.

When a payment takes longer than expected, ask your bank for the tracking status so they can trace it along the chain. Keep the payment confirmation.

A missing payment is traced from the sending side on the basis of the transfer details. As a recipient, you can check your statements to see a partial amount, since fees may have been deducted.

What to give a sender who pays you at Citibank N.a.

For an international payment into your account at Citibank N.a., the person paying you has to have not just the SWIFT code. That means: your full name as registered with Citibank N.a., your IBAN or account number, the BIC CITIUS33XXX and sometimes your address.

Certain sending banks also ask for the address of Citibank N.a.. Double-check the details before you share them, because the sender’s bank usually copies them as is.

The amount you receive can be lower than what was sent. Charges on incoming payments vary per bank. Make clear with the sender who covers the fees.

Is CITIUS33 still correct? How to check

The best place to find the correct BIC is a document from the bank itself. Check that code against CITIUS33 here and ask if anything does not match.

Errors in the SWIFT code are annoying more than disastrous. A mistake in the account number can be a bigger problem because it can reach the wrong person, so check that just as carefully.

An automatic check by your bank only confirms that the code is valid. Some banks now check the name against the account – do not ignore a mismatch warning. For a first payment, some people start with a small test amount and wait for confirmation.

Scams that use SWIFT codes

Fraudsters often send fake invoices with changed bank details, sometimes in an email that looks completely genuine. A valid SWIFT code says nothing about whether the request is genuine – scammers simply use real codes.

Always confirm changed bank details by phone, using a number you already had. Watch out for urgent requests, odd spelling or an email address that differs by one letter. Acted too fast? Contact your bank straight away and ask them to try to recall the payment; also report it to the police.

Scams also work the other way. Someone claims to have sent more than agreed and wants you to return the difference to a new account. A payment confirmation from the sender is no proof – check your own account.

What a transfer from Citibank N.a. abroad really costs

If you send money abroad from Citibank N.a., the visible fee is only part of what you pay. Besides a fixed fee, banks in between may deduct a fee, and if the money changes currency the bank often uses a rate below the real market rate.

Many banks rarely list the margin on the rate as a cost – you only notice it if you compare. A simple test: set the bank’s rate next to the mid-market rate and work out the difference on your amount.

For many currency pairs, a specialist provider is less expensive than a traditional bank transfer, mainly because of the exchange rate. Next time you send money, take a minute to compare the total cost on GoldexPay rather than accepting the bank’s rate by default. Using a transfer service does not mean leaving Citibank N.a. – you pay the provider from your own account.