Citibank Global Transfer lets you transfer money from a Citi® account to another Citi® account, domestic or international, for free. Account holders can also send a Citi® international wire transfer to almost anywhere in the world, but this transfer will cost you.
All information about these products has been collected independently by Finder.
How do I send a Citi® transfer?
Citi® offers two options for you to send money: Citibank Global Transfers and international wire transfers.
Citibank Global Transfers
Citibank Global Transfers can be sent to any Citi® account in more than 20 countries around the world at no charge. To send:
Login to your Citi® account or visit a Citi® branch
Enter the recipient’s name and Citi® account number.
Confirm the details of your transfer and select Send.
International wire transfers through Citi®
With a wire transfer, you can send your money to more than 7,000 banks worldwide.
For international wire transfers, you’ll need to provide:
Your recipient’s full name.
Your recipient’s bank name, address and SWIFT code.
Your recipient’s bank routing and account numbers.
Whichever transfer option you choose, you’ll need a Citi® checking, savings or money market account. International money transfers are sent the same business day if received before 5:15 p.m. ET.
How much do Citi® international wire transfers cost?
The cost you’ll pay for making a transfer with Citi® depends on the type of account you have with Citi®. Here is a breakdown of the costs:
From your Citi® account to any Citi® account in the US or selected other countries: free.
From your Citi® account to any account abroad:
Citi® online wire transfer fees
Fees accurate as of January 16, 2023.
Domestic
International
Incoming fee
Outgoing limit
Citigold®
Waived
Waived
Waived
None
Citi Priority
$17.50
$25
Waived
None
Citi Private bank
Waived
Waived
Waived
$50,000 per day
Cit International Personal
$18.75
$30
Waived
$250,000 per day
Citigold® International
Waived
Waived
Waived
None
Citigold® Private Client
Waived
Waived
Waived
None
Citi Global Executive
$18.75
$30
Waived
$250,000 per day
Citi Global Executive Preferred
Waived
Waived
Waived
None
All other accounts
$25
$35
$15
$50,000 per day
Citi® exchange rates
The Citi® exchange rate that you’ll get will depend on whether you are buying or selling currency through the bank. When we checked on September 14, 2020, Citi®’s currency exchange both bought and sold currency at an average 1.75% markup compared to the mid-market rate.
Here are some example buy-and-sell rates the Citi® Currency Exchange offers:
Currency
Code
Buys at
Sells at
Australian dollar
AUD
1.3953
1.3473
Canadian dollar
CAD
1.341
1.2949
Euro
EUR
0.8575
0.828
Great British pound
GBP
0.7907
0.7635
Hong Kong dollar
HKD
7.8857
7.6145
Indian rupee
INR
NA
71.9312
Philippine peso
PHP
NA
47.4884
South African rand
ZAR
NA
16.34
Thai baht
THB
NA
30.6639
Because it’s a global bank, Citi® can typically offer more competitive exchange rates than US-based banks.
Citi® vs. money transfer providers
Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
One-off transfers. Send a one-time transfer from your Citi® account.
Recurring transfers. This option is only available for Citi®-to-Citi® transfers.
Bank-to-bank transfers. Citi® only gives you the option to transfer money to a bank account. Your recipient can’t pick up cash.
Transfer limits
As with the fees, the transfer limits also vary depending on the type of Citi® account you have.
Citibank Global Transfers
Online daily limit
Online daily limit and transfers after 60 days
Citi® branch or ATM daily limit
Weekly limit
Citigold®
$2,000
$50,000
$5,000
$5,000
Citi Priority
$2,000
$50,000
$5,000
$50,000
Citi® Account, Basic Banking
$1,000
$10,000
$3,000
$10,000
Online Wire Transfers Citi® transfer limits for online wire transfers start at $50,000 per business day and go up from there. Refer to our fees table to see a complete list of Citi® wire transfer limits.
Pros and cons of using Citi®
Pros
Fee-free transfers. With Citibank Global Transfers, money transfers sent to another Citi® account holder carry no fees in more than 20 countries .
Simple process. Quickly and easily send a money transfer from your online account.
Fast transfer speeds. International money transfers are sent the same business day if received before 5:15 p.m. ET.
Worldwide access. Citi® makes it possible to send money to almost anywhere in the world.
Cons
High-wire transfer fees. Prepare to pay a fee when you send money by wire transfer to a non-Citi® account.
Charge a markup on exchange rates. Like most US banks, Citibank adds a markup to the mid-market exchange rate and you will most likely get a better rate with a money transfer specialist.
Transfer limits. Depending on your account type, single-time transfer allowances is typically limited to $50,000 per business day.
Available currencies and countries
Use Citibank Global Transfers to transfer funds to the following countries. (More countries are available for Citi®’s Wire Transfer service.)
Australia
Bahrain
China
Colombia
Hong Kong
Hungary
India
Indonesia
Japan SMBC Trust Bank Ltd
Korea
Malaysia
Mexico
Philippines
Poland
Singapore
Taiwan
Thailand
United Arab Emirates
United Kingdom
Vietnam
Citi® SWIFT/BIC and ABA information
Citi®’s primary SWIFT code is CITIUS33, while the ABA number you’ll use differs based on what region you bank in.
Citi® ABA numbers based on region
Scroll through the list to see ABA numbers for New York, Florida, Texas and more.
State
Region
ABA number
California
San Francisco, Northern California, Central California and Northern Nevada
321171184
California
Los Angeles, Southern California (including San Diego) and Nevada (except the four Legacy Citi® FCs and Northern Nevada)
322271724
Connecticut
All
221172610
Florida
All
266086554
Illinois
All
271070801
Maryland
All
052002166
Massachusetts
All
221172610
Nevada
All
122401710
New York
153 East 53rd St. New York City
021000089
New York
New York Metro
021000089
New York
Legacy EAB Commercial/Consumer Accounts
021001486
Pennsylvania
All
021272655
Texas
Other
113193532
Texas
AmWest
311972652
Texas
Burkburnett
111901962
Texas
Texas Bryan
113102329
Texas
Security National
111915686
Washington DC
For all Washington, DC and Maryland accounts
254070116
What is Citi®?
Founded in 1812 in New York City, Citi® has grown to become a leading global financial institution with more than 200 million customer accounts in 160 countries around the world.
A large global bank, Citi® offers a diverse range of products to its customers that include corporate and investment banking solutions, wealth management and securities brokerage. Its suite of personal banking solutions includes credit cards, mortgages and savings, checking and investment accounts.
What other products does Citi® offer?
Credit cards. Citi® offers an extensive range of business, student, travel, rewards and no annual fee credit cards.
Mortgages. Citi® provides home loan products for homebuyers, investors and those looking to refinance an existing mortgage.
Home equity lending. Take advantage of your home’s equity with a loan from Citi®.
Personal loans. Borrow funds and enjoy competitive rates and flexible features.
Investing. Invest in a wide range of financial instruments on your own or with the help of a Citi® adviser.
Bottom line
When you need to send money overseas, Citi®’s two international money transfer options are quick, easy solutions.
However, before you commit to any international transaction, compare your available options to make sure you get the best value for your money.
Frequently asked questions
How does Citi® work with Zelle?
Zelle, a peer-to-peer payment service, is available through the mobile apps Citi® Mobile and Citi® Online. To send money to other Zelle accounts you need to:
Log in and select Send money with Zelle.
Follow the onscreen instructions to choose who you want to send it to and how much.
Can I send money in a foreign currency?
Yes. However, the exchange rate will include a fee Citi® charges for the currency conversion.
Can I set up a recurring wire transfer with Citi®?
While you can set up a recurring domestic wire transfer with Citi®, this option isn’t available for overseas transfers.
How can I pay for a Citi® international money transfer?
You can send money overseas from your Citi® checking, savings or money market account.
Do I need to visit my nearest branch to send a transfer?
No. While it’s possible to send Citibank Global Transfers and international wire transfers at select bank locations, you can also make Citi® international money transfers online from your Citi® online banking account.
Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.
Marc Terrano is a lead publisher and growth marketer at Finder. He has previously worked at Finder as a publisher for frequent flyer points and home loans, and as a writer, podcast host and content marketer. Marc has a Bachelor of Communications (Journalism) from the University of Technology Sydney. Heās passionate about creating honest and simple reviews and comparisons to help everyone get value for money.
How do you know if your international money transfer made it safely? Learn how to track or cancel, and find out what your rights are when it comes to sending money.
From bank transfers to specialist money transfer companies, there are several options available when you need to transfer money overseas from your bank account.
If you need to transfer money overseas using your credit card, you can do so via your bank, MoneyGram, Western Union and PayPal. This can be useful in emergency situations, but credit card transfers are usually not a cost-effective option.
If you’re looking for a secure way to send money overseas, an international bank draft could be for you — but if speed is important, consider using a money transfer service instead.
With Citibank wires are generally sent the same business day if processed before 5:15 PM ET for international transfers. Please note that limits and fees will apply to Citibank international wire transfers.
If you are looking to send money to Nigeria from the US, there are other international money transfers to Nigeria that you can compare in terms of transfer fees, exchange rates and other features help you find a suitable option for you.
As a reminder, when sending money overseas, please take note of the exchange rates and fees as they are subject to change at any time and review the Terms and Conditions before making a decision on whether it is right for you.
ABA Number is a 9 digit bank routing number that identifies your US Bank. You may call CitiBank directly for their ABA Number – 021000089 as well as the one for your branch, where you opened your account.
I hope this helps.
Please do not hesitate to reach out again to us if you have additional questions.
Citibank will usually send your international wire transfer to Kenya on the same business day that you request it, so long as you do it before their cut-off time: 5:15 pm ET. If youāre making a domestic wire transfer, you have until 6:00 pm ET.
Yes, you can transfer money from your personal Citibank account in the US to another Citibank personal account in Chile. The costs are on the table on this page. You may consider other options in sending money to Chile.
You didn’t specify if you are transfering funds from a local bank in Nepal to a Citibank account. If you are sending funds between Citibank accounts, they processes international money transfer on the same businiess day provided the transaction is made before the 5:15 PM ET cutoff.
Find more options to send money to Nepal safely and affordably in this article.
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We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How long will it take me to send money from my citi bank account to Nigeria
Hi Jacob,
Thanks for your question!
With Citibank wires are generally sent the same business day if processed before 5:15 PM ET for international transfers. Please note that limits and fees will apply to Citibank international wire transfers.
If you are looking to send money to Nigeria from the US, there are other international money transfers to Nigeria that you can compare in terms of transfer fees, exchange rates and other features help you find a suitable option for you.
As a reminder, when sending money overseas, please take note of the exchange rates and fees as they are subject to change at any time and review the Terms and Conditions before making a decision on whether it is right for you.
Hope this helps!
Best,
Nikki
please i am trying to transfer money from my citi bank account to a first merchant bank account and an ABA was demanded, how do i go about this?
Hello Kris,
Thank you for contacting us.
ABA Number is a 9 digit bank routing number that identifies your US Bank. You may call CitiBank directly for their ABA Number – 021000089 as well as the one for your branch, where you opened your account.
I hope this helps.
Please do not hesitate to reach out again to us if you have additional questions.
Cheers,
Ash
How long the money wire transfer to African Kenya
Hi Joseph,
Thanks for leaving a question on Finder.
Citibank will usually send your international wire transfer to Kenya on the same business day that you request it, so long as you do it before their cut-off time: 5:15 pm ET. If youāre making a domestic wire transfer, you have until 6:00 pm ET.
You may also consider other options in sending money to Kenya.
Cheers,
Joel
Can I transfer money from a personal cƬtibank account in the US to a personal account in Chile.?
Hi Carl,
Thanks for leaving a question on Finder.
Yes, you can transfer money from your personal Citibank account in the US to another Citibank personal account in Chile. The costs are on the table on this page. You may consider other options in sending money to Chile.
Cheers,
Joel
I am currently in Nepal and have just transferred from my other personal account online to Citibank account. How long does it take for funds to clear?
Hello, Kartini.
Thanks for posting your question here.
You didn’t specify if you are transfering funds from a local bank in Nepal to a Citibank account. If you are sending funds between Citibank accounts, they processes international money transfer on the same businiess day provided the transaction is made before the 5:15 PM ET cutoff.
Find more options to send money to Nepal safely and affordably in this article.
Hope that helps.
Regards,
Ric