City National Bank SWIFT/BIC code

SWIFT/BIC code of City National Bank

The 8-character code CINAUS6L and the 11-character code CINAUS6LXXX refer to the same bank: City National Bank in Los Angeles,ca, United States. The code does one job: it ensures that a cross-border transfer ends up at the right bank. You will need it mostly when dealing with transfers between countries and payments in foreign currencies.

On this page you can read what the code is put together, when you need it and which other details a transfer to or from City National Bank requires. The SWIFT code alone does not identify a personal account; that is what the account number or IBAN is for.

Sending USD to City National Bank

The national currency in United States is the US Dollar (USD). A payment in a foreign currency is exchanged into USD before it reaches the account. There is rarely a separate line for the conversion – the cost sits in the rate.

Where the conversion happens has an effect on the final amount, as rates and margins differ per bank. Sending the money directly in USD usually avoids a second conversion by City National Bank, provided the rate you get is fair.

The USD rate changes constantly. With bigger transfers, a small difference in the rate can be worth more than the fee.

Head office or branch code at City National Bank?

City National Bank uses 2 separate SWIFT/BIC codes. One of them is the head office code, CINAUS6LXXX; the rest belong to branches or departments, and sometimes internal departments.

For the vast majority of incoming transfers, the head office code CINAUS6LXXX is the right choice. A branch code only makes sense if the recipient’s bank explicitly asks for it, which is more common for business accounts and specialised services.

If you are not sure, ask the person you are paying which code their bank gave them. Codes for branches are more likely to be retired than CINAUS6LXXX.

Protect yourself against fake payment requests

A common scam works like this: an email arrives with a request claiming that a supplier has a new bank account. A valid SWIFT code tells you nothing about whether the request is genuine: scammers use real codes of real banks.

Never trust contact details in the same message that contains the change. Urgency and requests to keep it quiet are red flags – a real supplier can wait a day. If a payment has already gone to the wrong account, call your bank right away: the sooner they act, the better the chance of a recall.

People receiving money can be targeted as well: a classic trick is a buyer who pays too much followed by a request to refund the difference to another account. A payment confirmation from the sender proves nothing.

Is CINAUS6L still correct? How to check

The safest source for the BIC is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Compare that code against CINAUS6L on this page and ask if anything does not match.

An incorrect BIC may lead to delays, a payment being sent back or additional charges. An error in the account number is more serious, because the money may be credited to someone else, so check that just as carefully.

An automatic check by your bank only confirms that the code is valid. If your bank offers it, a name check before sending gives an extra layer of safety. When you pay someone new, some people send a small test amount and wait for confirmation.

Transfer times and tracking a payment to City National Bank

There is no fixed delivery time for every transfer: some land within a day, others take several business days. Bank holidays in either country can add a day or more. Compliance checks on larger or unusual payments may also add some delay, even when all details are correct.

A growing number of banks use SWIFT gpi, which lets them follow a payment from bank to bank. Each payment carries a unique reference, the UETR. Specialist transfer services often provide a status online so you can see how far the payment is.

If the money does not arrive after a few business days, the sender should start with their own bank rather than City National Bank. Request from the sender a copy of the payment confirmation including the reference – it helps your own bank look for the money.

How up to date is this code?

We collect SWIFT/BIC codes from publicly available data and update them from time to time. Banks reorganise, change names and change codes – a directory can be a step behind. Figures such as the number of codes come from our own dataset and may differ from what City National Bank publishes.

For any payment of any size, confirm the code with the recipient’s bank or the recipient. GoldexPay is not affiliated with City National Bank, we only compare transfer services. Found an error? Let us know through the contact page.

What to give a sender who pays you at City National Bank

If you expect a payment from another country, send the payer all details at once. The basics are: the account holder’s name, account number or IBAN, CINAUS6LXXX and often your home address.

You can add City National Bank and Los Angeles,ca too, since some forms ask for it. A typo in your account number can be more trouble than it looks, so copy the details from your online banking.

What lands in your account can be less than the amount sent. Intermediary banks may deduct a fee, City National Bank may charge for incoming payments, and if the currency changes, an exchange rate margin applies. Make clear with the sender who pays which costs before the money is sent.

Paying someone abroad from your City National Bank account

The price of a payment abroad has several parts, and the transfer fee is only the most visible one. You pay the fee for the transfer itself, sometimes charges from correspondent banks along the way and, above all, the exchange rate markup when the money is converted.

That exchange rate margin is often the biggest item because it is hidden in the rate. A simple test: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Money transfer services often offer a rate near the mid-market rate and lower fees. GoldexPay lists these services side by side, showing what actually arrives. Using a transfer service does not require closing your account at City National Bank – you pay the provider from your own account.

CINAUS6L or CINAUS6LXXX – which one to use?

A SWIFT code is made up of fixed blocks: the first four letters stand for the bank, characters five and six show the country and the two after that mark the location. Combined, these eight characters form CINAUS6L, the code most people search for.

The long version adds a three-character extension for a branch or department. If the last three are XXX, they simply mean the head office, so CINAUS6LXXX and CINAUS6L are interchangeable.

In practice the code is typed in capitals and without spaces. A wrong letter may route the money to another bank, so check it twice.