Citibank N.a. SWIFT/BIC code

SWIFT/BIC code of Citibank N.a.

Whether a recipient gives you CITIVNVX or CITIVNVXXXX, you are looking at the identical address for Citibank N.a. in Vietnam. The code has a single purpose: it makes sure that money from abroad reaches the right bank. You will need it mainly for payments that cross a border and payments in foreign currencies.

This page is meant to help anyone who receives money at an account at Citibank N.a. without mistakes. The SWIFT code on its own does not identify a personal account; that is what the account number or IBAN is for.

Is CITIVNVX still correct? How to check

The safest source for a SWIFT code is the bank details provided by the recipient: an invoice, a bank statement or their online banking. Compare it with CITIVNVX here and ask if anything does not match.

If the code is wrong, the transfer may be delayed, be returned or cost extra, and tracing it can take weeks. A mistake in the account number is a bigger problem because it can reach the wrong person.

A format check by your bank only confirms that the IBAN is valid. If your bank offers it, a payee name check before sending adds extra certainty. When you pay someone new, some people start with a small test amount before sending the rest.

Paying someone abroad from your Citibank N.a. account

A bank transfer abroad can cost more than the fee suggests. You pay the transfer fee, sometimes fees charged by intermediary banks along the way and, above all, the margin on the exchange rate when the money is converted.

That exchange rate margin is often the largest item, and it is easy to miss. A simple test: put the rate you get next to the mid-market rate for the same moment and look at the difference.

Specialised transfer providers often use rates closer to the mid-market rate. GoldexPay lists these services side by side so you can see the amount the recipient gets. You can still keep your account at Citibank N.a., while a cheaper service handles the conversion.

Protect yourself against fake payment requests

Stay alert when someone suddenly asks you to pay into a different account or a bank in another country. The fact that CITIVNVX exists is no guarantee that the account is legitimate.

Check changed bank details via a different channel, such as a phone number you already know, never via the email that asked for the change. Be suspicious of time pressure, unusual wording or an email address that differs by one letter. When a payment was sent to the wrong account, call your bank right away.

People receiving money can be targeted as well: one known trick is a buyer who pays too much and then sends a request to send back the difference abroad. A screenshot of a transfer proves nothing; only your own account shows what has arrived.

Citibank N.a.: head office code versus branch codes

With 2 codes, Citibank N.a. belongs to the banks that use individual codes for parts of the organisation and departments. The head office code is CITIVNVXXXX.

For the vast majority of payments to a private or business account, the head office code CITIVNVXXXX is the right choice. Only use a branch code when the recipient gives you that exact code.

When in doubt, check with the recipient which code their bank gave them. Branch codes are more prone to be retired than CITIVNVXXXX when a bank merges or closes offices.

8 or 11 characters: CITIVNVX versus CITIVNVXXXX

A SWIFT code is built from fixed blocks: the first four letters identify the bank, the next two give the country and characters seven and eight indicate the location. That gives you CITIVNVX, the short form of the code.

Most banks and apps accept either length. If a form requires eleven characters, use CITIVNVXXXX, otherwise CITIVNVX is fine.

Type the code as one block, in capitals and without spaces, exactly as shown here. Pasting the code beats typing it by hand.

A note on our data

Our SWIFT/BIC directory is compiled from public sources and we update it periodically. It is possible that a code here is no longer current, for example after a merger. Figures such as the number of codes come from our directory.

Treat the information here as a handy check and rely on the recipient or Citibank N.a. for the final confirmation. GoldexPay has no connection to Citibank N.a., we only compare transfer services. Spotted outdated information? Tell us via our contact form so we can correct it.

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

For an international payment into your account at Citibank N.a., the sender has to have not just the BIC. Give them your name as the bank knows it, your account number or IBAN, the BIC CITIVNVXXXX and your address, which some banks require.

Certain sending banks want the name and address of Citibank N.a.; it does no harm to include it. Check each detail before you send them.

The amount you receive can be less than the amount sent. Correspondent banks can take a fee and your own bank may charge for processing, and when currencies differ, an exchange rate margin comes on top. On invoices, you can state how the fees are split to avoid a shortfall.

When will the money arrive at Citibank N.a.?

An international transfer usually needs one to a few business days, depending on the currency, the route and the banks involved. Bank holidays in the sending or receiving country add a day or more, since banks do not process on those days. Sometimes a bank wants to know what the payment is for, which can hold things up.

If a transfer seems late, ask the sending bank for the status or the UETR. Save the payment confirmation until the money has arrived – you will need it for any trace request.

Only the sending bank can request a trace or a recall – the recipient’s bank often cannot see a payment that has not arrived. Ask the sender for the payment receipt; that often settles the question quickly.