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Citibank wire transfers review

Send money to almost any bank worldwide with convenient money transfer options.


Fact checked

Citibank account holders can transfer money to another Citibank account in more than 20 countries for free. They can also send an international wire transfer to another bank account just about anywhere in the world for a fee.

How much do Citibank transfers cost?

The cost you’ll pay for making a transfer with Citibank depends on the type of account you have with Citibank. Here is a breakdown of the costs:

  1. From your Citibank account to any Citibank account in the US or selected other countries: free.
  2. From your Citibank account to any account abroad:
DomesticInternationalIncoming fee
Citigold $17.50$25Waived
Citi Priority $17.50$25Waived
Citi Private bankWaivedWaivedWaived
Cit International Personal$18.75$30Waived
Citigold International$12.50$20Waived
Citigold Private ClientWaivedWaivedWaived
Citi Global Executive$18.75$30Waived
Citi Global Executive PreferredWaivedWaivedWaived
All other accounts$25$35$15

How are Citibank’s exchange rates?

Citibank’s exchange rates are regularly updated to keep pace with market fluctuations, so it’s important that you check the rates that apply to your transaction before you send any money.

Because it’s a global bank, Citibank can typically offer more competitive exchange rates than banks with a presence in the US only.

Available currencies and countries

For Citibank Global Transfers, you can transfer funds to the following countries. (More countries are available for Citibank’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

How does Citibank compare to independent money transfer specialists?

Use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds overseas with our money transfer partners.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 0.841 EUR 4,203 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.841 EUR 4,203 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
USD 1 Same day USD 0.00 0.845 EUR 4,227 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
USD 2,000 1 day USD 0.00 0.841 EUR 4,203 $0 transfer fees with rates at never more than a 2% markup. Go to site Show details
USD 0 1 - 2 days USD 1.99 0.832 EUR 4,159 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
USD 1 1 - 2 days USD 40.00 0.849 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
USD 1 Within an hour USD 3.99 0.846 EUR 4,225 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
USD 50 1 - 2 days USD 0.00 0.844 EUR 4,220 InstaReM offers quick and simple international money transfers with the ability to earn loyalty points. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

What types of transfers can I make with Citibank?

  • One-off transfers. Send a one-time transfer from your Citibank account.
  • Recurring transfers. This option is only available for Citibank-to-Citibank transfers.
  • Bank-to-bank transfers. Citibank only gives you the option to transfer money to a bank account. Your recipient cannot pick up cash.

Transfer limits

As with the fees, the transfer limits also vary depending on the type of Citibank account you have.

Citibank Global Transfers

Online daily limitOnline daily limit and
transfers after 60 days
Citibank branch or
ATM daily limit
Weekly limit
Citi Priority$2,000$50,000$5,000$50,000
Citibank Account,
Basic Banking

Online Wire Transfers

Outgoing limit
Citigold None
Citi Priority None
Citi Private Bank$50,000 per transfer or day
Citi International Personal$250,000
Citigold InternationalNone
Citigold Private ClientNone
Citi Global Executive$250,000
Citi Global Executive PreferredNone
All other accounts$50,000 per transfer or day

Pros and cons of using Citibank


  • Fee-free transfers. With Citibank Global Transfers, you can send money to other Citibank account holders in more than 20 countries without incurring any fees.
  • 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.
  • Transfer options. Transfers can be sent online, from ATMs or by visiting your nearest branch, and they can be funded from a checking, savings or money market account.
  • Worldwide access. Citibank makes it possible to send money to just about anywhere in the world.


  • High wire transfer fees. Prepare to pay a fee when you send money by wire transfer to a non-Citibank account.
  • Transfer limits. Depending on your account type, how much you can transfer at one time is typically limited to $50,000 a day.

How do I use Citibank for money transfers?

Citibank 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 Citibank account in more than 20 countries around the world at no charge. First, you’ll need to have an account with Citibank. You can initiate a transfer online, at a branch or through an ATM with only your recipient’s name and Citibank account number. After you confirm the details of your transaction, the money is debited from your account and sent to your recipient’s account.

International wire transfers through Citibank

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 Citibank checking, savings or money market account. International money transfers are sent the same business day if received before 5:15 p.m. ET.

Does Zelle work with Citibank?

Yes. Zelle, a peer-to-peer payment service, is available through the mobile apps Citi Mobile and Citibank Online. To send money to other Zelle accounts you need to:

  1. Log in and select Send money with Zelle.
  2. Follow the onscreen instructions to choose who you want to send it to and how much.

Citibank SWIFT/BIC information

Bank nameSWIFT/BICBank addressRecipient’s nameRecipient’s account number
CitigroupCITIUS33111 Wall Street New York, NY 10033Beneficiary’s name as it appears on the bank statementComplete bank account number

What is Citibank?

Founded in 1812 in New York City, Citibank 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, Citibank 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 Citibank offer?

  • Credit cards. Citibank offers an extensive range of business, student, travel, rewards and no annual fee credit cards.
  • Mortgages. Citibank 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 Citibank.
  • 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 Citibank adviser.
  • Transaction account. Citizens of Australia can take advantage of Citibank’s Plus Everyday account to get free wine at specific restaurants, access to a large fee-free ATM network and free international money transfers.

What do customers say about Citibank?

Online reviews for Citibank are poor. ConsumerAffairs gives Citi one star for overall customer satisfaction based on 123 ratings submitted in the last year. And the financial institution gets an F from the Better Business Bureau. Consumer ratings and reviews can give valuable insight into what it’s like to deal with a company as a customer, but they rarely tell the whole story. Remember that customers don’t typically rate a product or service unless they want to rant and rave, so take these aggregated scores with a grain of salt.

Bottom line

When you need to send money overseas, Citibank’s two international money transfer options are a quick, easy solution.

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

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16 Responses

  1. Default Gravatar
    JacobAugust 22, 2019

    How long will it take me to send money from my citi bank account to Nigeria

    • Default Gravatar
      nikkiangcoAugust 23, 2019

      Hi Jacob,

      Thanks for your question! Citibank will usually send your international wire transfer 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 you’re making a domestic wire transfer, you have until 6:00 pm ET.

      It’s helpful to know that Citibank doesn’t send to Nigeria at the moment. Given this, you can find other options on how to send money to Nigeria via this page.

      When sending money – it’s important to check the exchange rate beforehand to maximize the funds to be exchanged. Also, read through the transfer process of the provider such as transfer fees, transfer options and transfer speed to set expectations for the receiver. Take note of any reference or tracking numbers should any transaction delays come up during the transit.

      International transfer fees vary by transfer provider, your transfer method, where you’re sending your money, how much you’re sending and how you’re paying for it. You can refer to this page as it provides tips on finding the best exchange rates.

      Hope this helps!


  2. Default Gravatar
    krisSeptember 27, 2018

    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?

    • Default Gravatar
      AshSeptember 28, 2018

      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.


  3. Default Gravatar
    JosephAugust 3, 2018

    How long the money wire transfer to African Kenya

    • Default Gravatar
      joelmarceloAugust 3, 2018

      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 you’re making a domestic wire transfer, you have until 6:00 pm ET.

      You have other options in sending money to Kenya if you click HERE.


  4. Default Gravatar
    CarlJuly 10, 2018

    Can I transfer money from a personal cìtibank account in the US to a personal account in Chile.?

    • Default Gravatar
      joelmarceloJuly 11, 2018

      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 in the table in this page. If you are looking to compare your options when sending money to South America, please click HERE.


  5. Default Gravatar
    KartiniApril 25, 2018

    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?

    • Avatarfinder Customer Care
      RichApril 25, 2018Staff

      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.



  6. Default Gravatar
    ClementApril 16, 2018

    How long would a transfer reflect from Florida to California

    • Default Gravatar
      joelmarceloApril 17, 2018

      Hi Clement,

      Thanks for leaving a question on finder.

      Citibank will usually send your international wire transfer 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 you’re making a domestic wire transfer, you have until 6:00 pm ET.


  7. Default Gravatar
    SusanMay 10, 2017

    Am sending funds from online banking to another bank COT tranfer code n ask me for payment for that to whom will I send my payment to citi bank? Is it western union?

    • Avatarfinder Customer Care
      HaroldJuly 3, 2017Staff

      Hi Susan,

      Thank you for your inquiry.

      Please use our comparison calculator to assess transfer fees, exchange rates and other details for sending funds overseas with our money transfer companies.

      I hope this information has helped.


  8. Default Gravatar
    MichelleFebruary 12, 2017

    Can Citibank Korea transfer money to EastWest bank in the Philippines?

    • Avatarfinder Customer Care
      AnndyJune 25, 2017Staff

      Hi Michelle,

      Thanks for your question.

      With Citibank wire transfers, you can send your money to more than 7,000 banks worldwide. It may or may not include EastWest. To confirm, it is best to contact Citibank directly.


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