Citizens Business Bank SWIFT/BIC code

Citizens Business Bank SWIFT code: CBBKUS6L

The 8-character code CBBKUS6L and the 11-character code CBBKUS6LXXX identify the same bank: Citizens Business Bank. A SWIFT code shows the sending bank which institution is meant to get the money, much like a postcode for banks. In daily life you usually come across it on international invoices, in payment forms and in the bank details of Citizens Business Bank customers.

Below we go through the practical side: receiving money at Citizens Business Bank, sending money abroad and how to verify a SWIFT code before you hit send. Remember 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 Citizens Business Bank?

Citizens Business Bank has 3 separate SWIFT/BIC codes across 1 locations. One of them is the head office code; the others belong to branches.

In most cases you do not need to pick a branch: transfers addressed to CBBKUS6LXXX reach Citizens Business Bank correctly. When you receive a specific code, stick to it instead of replacing it with the head office code.

Not sure which code applies? Check with the recipient or the bank itself. Branch codes are sometimes changed or retired over time.

Is CBBKUS6L still correct? How to check

The most reliable source for the BIC is the recipient’s own bank details. When the code you were given does not match CBBKUS6L or CBBKUS6LXXX, do not guess: check with the recipient or with Citizens Business Bank directly.

A wrong SWIFT code can cause a delay, a payment being sent back or additional charges for investigation. A mistake in the IBAN or account number can be more serious, because the money may be credited to someone else; check it just as carefully.

An automatic check by your bank merely confirms that the code exists. If your bank offers it, a payee name check on the recipient adds an extra layer of safety. When you pay someone new, some people send a small amount first before sending the rest.

Getting paid from abroad into a Citizens Business Bank account

If you expect a payment from another country, give the sender a complete set of details. Share the account holder’s name, the IBAN or account number, SWIFT code CBBKUS6LXXX and your address.

Certain sending banks also ask for the address of Citizens Business Bank; it does no harm to include it. Check each detail before you send them, because the sender’s bank usually copies them as is.

Expect that the incoming amount is below the amount on the sender’s receipt. Fees for incoming transfers vary from bank to bank; check the price list of Citizens Business Bank. Make clear with the sender who covers the fees, especially for larger amounts.

Sending money abroad from Citizens Business Bank

What you pay for a payment abroad is made up of several parts – not just the fee on your screen. You pay the fee for the transfer itself, sometimes fees charged by intermediary banks in between and, above all, the exchange rate markup when the money is converted.

Many banks do not list their exchange rate markup as a cost, but you pay it all the same. A simple test: put the rate you get next to the mid-market rate for the same moment and look at the difference.

For a lot of currency pairs, a specialist provider turns out to be cheaper than a traditional bank transfer – mostly thanks to the rate. Next time you send money, it is worth to compare the total cost via GoldexPay instead of going straight to your bank. You can still use your account at Citizens Business Bank, while a cheaper service handles the conversion.

About this information

The codes here come from public sources which we refresh regularly. It can happen that information here is out of date after a merger or reorganisation. Counts and locations are from our own dataset and may differ from what Citizens Business Bank publishes.

Treat this page as a reference, rather than as the final word – the bank details from the recipient are leading. GoldexPay is an independent comparison site for money transfers and not affiliated with Citizens Business Bank. Should you notice a mistake, we appreciate a message via the contact page.

What the XXX in CBBKUS6LXXX means

Each SWIFT/BIC code starts with an 8-character core: a four-letter bank code, a two-letter country code and a two-character location code. The result is CBBKUS6L, the short form of the code.

XXX at the end of CBBKUS6LXXX does not stand for a missing value or a mistake: it stands for the head office of Citizens Business Bank. Some forms insist on 11 characters, in which case you can enter XXX behind CBBKUS6L.

As a rule the code is typed in capitals, without spaces or dashes. A single letter may route the money to a different institution, so copy it carefully.

Paying into Citizens Business Bank in USD

United States pays in the US Dollar. If you send money in a different currency it has to be converted somewhere along the way – by your bank, by Citizens Business Bank or by a bank in between. Each conversion eats into something – usually through the rate rather than a fee.

Who does the conversion has an effect on how much arrives. Sending the amount directly in USD usually avoids a second conversion by Citizens Business Bank – as long as your own rate is good.

The rate for USD changes throughout the day and quotes are often valid only for a short time. For regular payments, small differences in the rate add up over a year.

Protect yourself against fake payment requests

Scammers regularly use fake invoices containing changed bank details. A correct SWIFT code says nothing about whether the request is genuine: scammers use real codes of real banks.

Before paying, confirm a change of bank details through a phone call on a number you know, not one from the message. Urgency or secrecy tend to be red flags. When money has already gone to a fraudster, contact your bank immediately: the sooner they act, the better the chance of a recall.

Scams also target the receiver: someone claims to have sent too much and wants you to refund the extra to a new account. Wait until the money is actually in your account.

Transfer times and tracking a payment to Citizens Business Bank

How quickly a transfer arrives at Citizens Business Bank depends on a few things: the currency, how many intermediary banks are involved, daily processing deadlines and differences in time zone. Bank holidays in either country can add extra days. Occasionally a bank wants to know 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. Money transfer services usually provide a status in their app so you can see where the money is.

A delayed transfer is traced from the sending side. Ask the sender for a copy of the payment confirmation – it helps your own bank look for the money.