Citibank SWIFT Code: CITIUS33

Citibank's U.S. SWIFT code is CITIUS33 — the identifier used by international banks to route wire transfers to Citibank, N.A. in the United States.

What Is the Citibank SWIFT Code?

The Citibank SWIFT code is CITIUS33. It is the primary SWIFT/BIC code for Citibank, N.A. and applies to international wire transfers sent to Citibank accounts in the United States. You may also see it written as CITIUS33XXX — the XXX suffix indicates no specific branch, and both formats are accepted by international sending banks.

Citibank operates in nearly 100 countries, and each country's Citibank entity has its own SWIFT code. CITIUS33 routes only to U.S. accounts. Using another country's Citibank SWIFT code for a U.S. account — or vice versa — will misroute the wire.

Citibank SWIFT Codes by Country

For businesses wiring to or from Citibank accounts across multiple markets, use the correct code for each country:

United States — Citibank, N.A.: CITIUS33
United Kingdom — Citibank, N.A. London: CITIGB2L
United Arab Emirates — Citibank, N.A. UAE: CITIAEADXXX
India — Citibank, N.A. India: CITIINBX
Hong Kong — Citibank, N.A. Hong Kong: CITIHKHX
Singapore — Citibank, N.A. Singapore: CITISGSG
Mexico — Citibanamex: BNMXMXMM
Australia — Citibank, N.A. Australia: CITIAU2X

Each of these represents a legally separate Citibank entity operating under local banking regulation. A wire sent to CITIINBX intended for a U.S. Citibank account will not arrive at its destination — and in some cases will be returned, in others held for manual review. For businesses managing vendor or payroll relationships across multiple Citibank markets, keeping these codes explicitly labeled in your payment systems is a basic operational safeguard.

For European transfers to Citibank UK and other EU entities, IBAN is required alongside the SWIFT code. Get the full IBAN from the recipient — do not attempt to construct it.

How to Wire Money to a Citibank US Account

To receive an international wire into your U.S. Citibank account, give the sender the following:

Bank name: Citibank, N.A.
SWIFT/BIC code: CITIUS33
Bank address: 388 Greenwich Street, New York, NY 10013
Account number: Your full Citibank account number
Account holder name: Your full legal name or registered business name
Account holder address: Your address on file with Citibank

For non-USD transfers, Citibank may route the wire through a correspondent bank before funds reach your account. Because Citibank has one of the largest global correspondent banking networks of any U.S. institution, direct routing is more common with Citi than with most other banks — but for transfers in less common currencies, an intermediary may still be required. Confirm with your sender before initiating.

Citibank SWIFT vs Routing Number

Citibank's primary routing number for accounts in New York is 021000089. Other regions use different routing numbers — but all routing numbers function only within the domestic U.S. banking system.

Use the routing number for: Domestic ACH transfers, U.S. payroll, check processing, domestic wire transfers between U.S. banks.

Use the SWIFT code for: Any wire transfer originating from a bank outside the United States.

Citibank's global presence creates a specific version of this confusion: international counterparties who bank with Citibank in their home country sometimes assume that the Citibank routing number they see works across borders, since they recognize the Citibank brand. It doesn't. CITIUS33 is what a sender at Citibank India, Citibank Hong Kong, or any other international Citi entity needs to route a wire to a U.S. Citibank account.

Sending International Wires from Citibank

Citibank's international wire capabilities are among the strongest of any U.S. retail and business bank. Citi maintains direct correspondent relationships in most major markets, which reduces the likelihood of intermediary fees and speeds up processing compared to banks that rely more heavily on third-party correspondents.

To send an international wire from your Citibank account, you'll need:

Recipient's full name or registered business name
Recipient's account number or IBAN
Recipient bank's SWIFT/BIC code
Recipient bank's name and address
Transfer amount and currency

Citibank supports outgoing wires in a wide range of currencies. Cutoff time for same-day international wire processing is generally 5:00 PM ET on business days — one of the later cutoffs among major U.S. banks, which matters for time-sensitive business payments. Wires submitted after that window are processed the following business day.

Fees for outgoing international wires vary by account type. Standard business accounts typically see fees in the $25 to $35 range. Citigold and Citigold Private Client accounts receive reduced or waived wire fees depending on the relationship tier — if you're sending international wires with any frequency, the account tier difference in fee structure is worth confirming with your Citi relationship manager.

Common Errors When Wiring to Citibank

Using a country-specific Citibank SWIFT code for the wrong branch. CITIINBX does not route to U.S. accounts. CITIGB2L does not route to U.S. accounts. The Citibank brand is global but the SWIFT codes are not interchangeable. Always confirm which country's entity holds the destination account before selecting a code.

International senders using a U.S. routing number. Citibank's routing numbers are for domestic use only. An international counterparty who plugs 021000089 into an international wire form will not reach a U.S. Citibank account. If you're distributing wire instructions to international senders, make sure CITIUS33 is prominently labeled and the routing number is either absent or clearly marked as domestic-only.

Missing IBAN for European transfers. When wiring to Citibank UK or other European Citi entities, an IBAN is required alongside the SWIFT code. The IBAN must come from the recipient — do not attempt to construct one.

Currency mismatch. Initiating a wire in a currency that the recipient's Citibank account doesn't accept results in either a return or an unannounced conversion at an unfavorable rate. Confirm the account's base currency before sending.

Outdated SWIFT codes for Citibank's restructured international entities. Citigroup has sold or restructured several international consumer banking businesses in recent years, including its retail operations in markets such as Australia and certain Asian countries. If you have Citibank SWIFT codes on file for international vendors that predate 2021, verify they are still current — some markets have transitioned to different acquiring banks.

How Slash Helps

Citibank's global reach makes it a natural fit for businesses operating across multiple markets. Where it falls short is the operational layer — real-time spend visibility across a distributed team, per-vendor card controls without calling a relationship manager, and international card spend without FX markups on every transaction.

Slash runs alongside your Citibank accounts across markets. Receive international wires into Citibank as usual. Use Slash for the spend side: virtual cards with per-vendor limits, real-time transaction tracking regardless of which country a purchase is made in, cashback on business expenses, and international card spend without foreign transaction fees. For businesses managing vendor relationships across the markets Citibank serves — the U.S., UK, UAE, India, Hong Kong, and beyond — Slash gives your finance team the visibility and control that Citibank's business products don't offer at the transaction level.