Citibank UAE’s SWIFT code is CITIAEAD, registered to Citibank N.A. UAE. The 11-character form is CITIAEADXXX. Citibank is a branch of a US bank, so the beneficiary bank name a payer should use is Citibank N.A. UAE, not “Citibank UAE Limited” or a local company name.
What makes Citi different is how much it publishes about the route. For dozens of currencies, Citi gives the exact Citibank office or partner bank the cover payment should go through. Giving those to your payer avoids a guess by their bank.
Citibank UAE transfer details
| Field | What to enter |
|---|---|
| SWIFT / BIC | CITIAEAD (11 characters: CITIAEADXXX) |
| Beneficiary bank | Citibank N.A. UAE |
| Beneficiary | Your account name and account number, or your IBAN |
| IBAN bank code | 021 |
| Sample IBAN layout | AE16 0211 2345 6789 0123 456 (illustrative only) |
| UAE routing code (local clearing) | 102120101 |
| Customer service | +971 4 311 4000 |
How Citi wants foreign currency sent
Citi’s settlement instruction is the same for every currency: the payer’s bank sends an MT103 directly to Citibank N.A. UAE (CITIAEAD) for credit to your account, and a separate cover message (MT202COV) through its correspondent to the Citi office for that currency. These are the routes for the currencies most UAE residents receive:
| Currency | Cover goes to | SWIFT code |
|---|---|---|
| USD | Citibank N.A., New York | CITIUS33 |
| EUR | Citibank N.A., Ireland | CITIIE2X |
| GBP | Citibank N.A., London | CITIGB2L |
| INR | Citibank N.A., India | CITIINBX |
| PKR | Citibank N.A., Pakistan | CITIPKKX |
| SAR | Saudi Financial Group (formerly Saudi American Bank) | SAMBSARI |
| CAD | Citibank N.A., Canada | CITICATTBCH |
| AUD | Citibank N.A., Sydney | CITIAU2X |
| SGD | Citibank N.A., Singapore | CITISGSG |
| CHF | Citibank N.A., London | CITIGB2L |
| EGP | Citibank N.A., Egypt | CITIEGCX |
| OMR | Bank Muscat | BMUSOMRX |
| QAR | Commercial Bank of Qatar | CBQAQAQA |
Most payers’ banks only show an “intermediary bank” field. Put the cover bank there. If the form has no such field, CITIAEAD and your account details are enough, and the sender’s bank picks the route.
Get your Citibank UAE IBAN
Citi has an online IBAN generator on citibank.ae. Enter your Citibank UAE account number with no dashes or spaces and it returns the IBAN. It’s also in Citi Online, the Citibank UAE app and your statement.
Check that characters 5 to 7 read 021. Any other bank code means the IBAN isn’t a Citibank UAE account, whatever the payer has been told. The wider IBAN number UAE format is the same across banks.
Sending money abroad from Citi
When you’re the one paying from Citibank UAE:
- For Thailand, give the beneficiary’s phone number and the purpose of payment.
- For India in rupees, include the beneficiary’s IFSC code, the bank’s full address and the account type, and note NRE accounts in the payment details. Citi says rupee transfers placed Monday to Thursday before 2:30pm UAE time are processed the same day, as long as all details are correct.
- For Saudi Arabia, Lebanon and Turkey, the beneficiary’s IBAN is required.
- CNY payments to individuals in mainland China need special processing and can take 7 to 10 days.
Who pays the charges
OUR means the sender pays everything and you receive the full amount. SHA splits the fees. BEN takes every fee from your amount, including correspondent charges. For a payment that has to arrive in full, ask for OUR.
If a payment is missing
- Ask the sender for the MT103 from their bank.
- Check it was sent to CITIAEAD with your account or IBAN.
- For a foreign currency payment, check the cover went to the right Citi office in the table.
- Call Citibank UAE on +971 4 311 4000 with the MT103.
An MT103 SWIFT copy is what any trace starts from.
FAQ
What is the SWIFT code of Citibank in Dubai?
CITIAEAD, for Citibank N.A. UAE. The 11-character version is CITIAEADXXX.
What is Citibank UAE’s USD correspondent bank?
Citibank N.A., New York, SWIFT CITIUS33. The MT103 goes to CITIAEAD and the cover message to CITIUS33.
How do I find my Citibank UAE IBAN?
Use Citi’s online IBAN generator with your account number, without dashes or spaces, or check Citi Online, the app or your statement.
What is Citibank UAE’s IBAN bank code?
021, in characters 5 to 7 of the IBAN.
What is the cut-off time for Citibank UAE transfers to India?
Rupee transfers placed Monday to Thursday before 2:30pm UAE time are processed the same day if all details are correct.
Next steps
- Generate your IBAN and confirm it contains 021.
- Send the payer CITIAEAD, “Citibank N.A. UAE” and your account details.
- Add the cover bank for their currency from the table.
- Keep the MT103 until the money arrives.
Every other UAE bank’s code is on the UAE bank SWIFT codes list.
