Citizens Bank SWIFT Code: CTZIUS33

The SWIFT/BIC code for Citizens Bank is CTZIUS33. CTZI identifies Citizens Financial Group, US stands for the United States, and 33 is the location code. Citizens Bank is headquartered in Providence, Rhode Island.

Citizens Financial Group operates over 1,000 branches across 14 states in the northeastern and midwestern United States. The bank was formerly a subsidiary of Royal Bank of Scotland (now NatWest Group) before its 2014 IPO. It ranks among the top 15 US commercial banks by assets.

New England Regional Wire Transfers

Citizens Bank is the most common bank for wire origination across New England — covering Rhode Island, Massachusetts, Connecticut, New Hampshire, Vermont, and Maine. International wires initiated at Citizens branches or through its online platform use CTZIUS33 as the originating SWIFT code.

Incoming international wires to Citizens Bank accounts settle within 1 to 2 business days. The bank processes wires during standard Eastern Time business hours. Senders from outside the US need the SWIFT code CTZIUS33, the recipient's account number, and the bank's address (One Citizens Plaza, Providence, RI 02903).

Citizens Bank Wire Transfer Fees

Citizens Bank charges $45 for outgoing international wire transfers and $16 for incoming international wires on consumer accounts. Business and commercial clients may have different fee schedules based on their treasury management packages.

Currency conversion for incoming foreign-currency wires is handled at Citizens Bank's posted exchange rate. The bank does not maintain a foreign exchange trading desk for retail customers, so rates include a standard markup over the interbank mid-market rate.

How Slash fits in

Slash tracks your Citizens Bank wires alongside payments from other banks in a single dashboard. Every international transfer is auto-categorized and synced to your accounting software, eliminating manual entry for cross-border transactions.

Citizens Bank SWIFT Code: CTZIUS33