Citibank wire transfer: type of wire transfer & limits rountig number and charges

Last Updated on September 16, 2025 by admin

Citibank wire transfers offer a reliable and efficient way to send and receive funds both domestically and internationally.

As a globally recognized financial institution, Citibank’s wire transfer services are designed to meet the needs of individuals and businesses seeking secure and swift money transfers.

Wire transfers are an essential tool for those who require timely payment and settlement across borders, and Citibank’s extensive network facilitates transactions in numerous currencies, providing a seamless banking experience.

Customers can initiate these transfers through Citibank’s online banking platform, mobile app, or by visiting a local branch. The process typically involves providing essential information such as the recipient’s name, bank account number, and the receiving bank’s SWIFT or routing number, ensuring precise and timely delivery.

Wire transfers conducted through Citibank can cater to various purposes, including paying invoices, sending money to family and friends, or managing business transactions.

Fees for wire transfers may vary based on factors such as the transfer’s destination and currency, but Citibank remains committed to offering competitive pricing.

Overall, Citibank wire transfers are an efficient means of managing financial transactions across different geographies, backed by a network that supports global commerce and personal needs alike.

Read: capital one wire transfer: type of wire transfer & limits rountig number and charges

Table of Contents

Benefits of wire transfer

Wire transfers offer a powerful mix of speed, security, and global reach—making them a go-to method for moving money, especially when timing and reliability matter most . Here’s a breakdown of the key benefits:

1. Speed and Efficiency

Domestic wires often settle same day, sometimes within hours.
International wires typically complete in 1–5 business days, depending on the destination and intermediary banks
Ideal for urgent payments, such as real estate closings or supplier invoices.

2. Security and Compliance

Wire transfers use encrypted banking networks like SWIFT and Fedwire.
Banks enforce strict KYC (Know Your Customer) and AML (Anti-Money Laundering) protocols
Funds are sent directly between banks—no physical cash, no middlemen.

3. Global Reach

Wire transfers are supported worldwide, making them perfect for cross-border business or personal remittances
You can send money in multiple currencies, often directly to the recipient’s local bank.

4. Reliability and Traceability

Each wire transfer comes with a tracking ID, so you can monitor its progress.
Unlike checks or ACH, wires can’t bounce due to insufficient funds.
Great for high-value transactions that require guaranteed delivery

5. Convenience

Many banks allow you to initiate wires online or via mobile app.
No need to visit a branch unless you’re sending large amounts or internationally.

Wire transfers do come with fees and sometimes less favorable exchange rates, but when speed and certainty are non-negotiable, they’re hard to beat.

Read: Wells Fargo Wire Transfers: type of wire transfer & limits and charges

How to receive Citibank wire transfer

To receive a wire transfer into your Citibank account, you’ll need to provide the sender with specific banking details. Here’s exactly what to share and how to prepared

For Domestic Wire Transfers (within the U.S.):

Your full name (as it appears on your account)
Your Citibank account number
Routing number:
- Use 021000089 for domestic wires to Citibank
Bank name: Citibank N.A.
Bank address: Citibank N.A. 111 Wall Street New York, NY 10005 United States

For International Wire Transfers:

SWIFT/BIC code: CITIUS33
Your full name and address
Your Citibank account number
Bank name and address (same as above)
Currency and purpose of transfer (sometimes required)

U.S. banks don’t use IBANs, so you won’t need one for Citiban

Read:Bank of America wire transfers: type of wire transfer ,limits and charges

How to send Citibank wire transfer

To send a wire transfer with Citibank, you can do it online, in person, or through a wire transfer form—depending on your account type and destination. Here’s your step-by-step guide

Online Wire Transfer (Citibank Online)

For eligible accounts:

Log in to your Citi Account using your username and password.
Tap on Payments & Transfers and select Wire Transfer.
Enter the recipient’s details:
- Full name and address
- Bank name and address
- Account number
- Routing number (for domestic) or SWIFT/BIC and IBAN (for international)
Choose the amount and currency.
Review and confirm the transfer.

You must be enrolled in Citibank Online and have a checking account that supports wire transfers

In-Person at a Citibank Branch

Visit your local Citibank branch.
Fill out a Wire Transfer Request Form.
Provide recipient and bank details.
Submit before the cutoff time (usually 6:00 PM ET for international, 6:45 PM ET for domestic) to ensure same-day processing

Cutoff Times for citibank wire transfer

Here’s a clear breakdown of Citibank wire transfer cutoff times

Transfer Type	Cutoff Time	Time Zone
Domestic Wire	6:45 PM ET	Eastern Time
International Wire	6:00 PM ET	Eastern Time

Transfers submitted before these times are typically processed same business day. Requests made after cutoff will be processed the next business day

citibank wire transfer fees

Here’s a full breakdown of Citibank wire transfer fees so you know what to expect before sending or receiving money

Outgoing Wire Transfer Fees

Transfer Type	Fee Range
Domestic Wire	$25–$30
International Wire	$35–$45

Fees vary depending on your account type.
Premium accounts like Citigold Private Client or Citi Global Executive may offer fee waivers

Incoming Wire Transfer Fees

Transfer Type	Fee
Domestic Incoming	~$15
International Incoming	~$15–$25

Some accounts may waive incoming wire fees altogether

Currency Conversion Fees

If sending in a foreign currency, Citibank applies a markup to the exchange rate, typically 4–6%
This hidden fee can significantly increase the cost of international transfers.

Citibank wire transfer limits

Citibank’s wire transfer limits depend on your account type and tenure. Here’s a breakdown of the key limits:

Standard Wire Transfer Limits

Tenured accounts (open for more than 30 days):
- Daily outbound limit: $25,000
- Monthly limit: $50,000
Untenured accounts (open less than 30 days):
- Daily outbound limit: $10,000

Citibank Global Transfers (to other Citibank accounts internationally)

Citigold package:
- Daily limit: $2,000
- Weekly limit: $5,000

Foreign Currency Transfers

Online transfers: Up to $500,000 per transaction

These limits can vary based on your account tier and whether you’re using online banking, mobile apps, or visiting a branch. If you’re planning a large transfer, it’s smart to check with Citibank directly to confirm your specific limits.

Read: Chase wire transfers: type of wire transfer ,limits and charges

How to check citibank wire transfer limits

To check your Citibank wire transfer limits, you’ve got a few easy options depending on how you bank:

Online Banking

Log in to your Citibank account via citibank website
Tap on Transfers section
Your daily and monthly transfer limits will be displayed there
You’ll also see how much of your limit you’ve already used

Citi Mobile® App

Open the app and sign in
Tap on Payments & Transfers
Select Wire Transfer
Your current limits and remaining available amount will be shown

Customer Service or In-Branch

Call Citibank at 1-800-374-9700 (U.S.) or your local branch
Ask a representative to confirm your wire transfer limits
You can also visit a branch for in-person assistance

If your account is tenured (open for more than 30 days), you’ll likely have higher limits. And if you need to send more than your current limit allows, Citibank may offer options to temporarily raise it or suggest alternative methods

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How to increase citibank wire transfer

To increase your Citibank wire transfer limit, here are the most effective strategies:

1. Wait for Your Account to Become Tenured

Accounts open for 91 days or more are considered tenured, which automatically qualifies you for higher transfer limits

If your account is new, simply maintaining it over time will unlock larger transfer capabilities.

2. Upgrade Your Account Tier

Higher-tier accounts like Citigold® or Citi Priority often come with larger daily and monthly limits for wire transfers
These tiers may also waive wire transfer fees and offer personalized banking support.

3. Visit a Citibank Branch

If your online limit isn’t enough, you can initiate larger transfers in person at a Citibank branch
There’s often no hard cap for in-branch wire transfers, though fees may be higher.

4. Contact Customer Service

Call Citibank or use secure messaging through your online account to request a temporary limit increase.
Be prepared to verify your identity and explain the reason for the transfer.

5. Use Alternative Transfer Services

If Citibank’s limits don’t meet your needs, consider services like Wise or OFX, which support high-value international transfers with competitive exchange rates

citbank wire routing number

The Citibank wire routing number for domestic wire transfers in the U.S. is: 021000089

This is the primary routing number used for wire transfers, especially if your account was opened in New York

However, Citibank maintains different routing numbers for various states, so if your account was opened elsewhere, it’s best to double-check.

How to Find Your Specific Routing Number

Check your checkbook: The routing number is the 9-digit code on the bottom left of your checks.
Log into your Citibank account: Your routing number is listed under account details.
Use Citibank’s official routing directory: You can find a full list of state-specific routing numbers on

For international wire transfers, you’ll also need Citibank’s SWIFT code, which is typically CITIUS33.

Type of citibank wire transfer

Citibank offers several types of wire transfers to suit different needs—whether you’re sending money across town or across the globe. Here’s a breakdown of the main types:

1. Domestic Wire Transfers

Transfers within the U.S.
Typically processed the same business day if submitted before the cutoff time
Uses systems like Fedwire or CHIPS
Requires recipient’s name, account number, and Citibank’s wire routing number (021000089)

2. International Wire Transfers

Transfers to foreign banks
Uses the SWIFT network
Requires recipient’s name, account number, bank name, SWIFT/BIC code (usually CITIUS33), and sometimes intermediary bank details
May involve currency conversion and additional fees

3. Citibank Global Transfers

Transfers between Citibank accounts in different countries
Often fee-free and faster than standard international wires
Available in select countries and currencies
Limits vary by account type (e.g., Citigold vs. standard checking)

4. In-Branch Wire Transfers

For larger amounts or more complex transfers
Can be initiated at a Citibank branch with a completed wire transfer form
May bypass online limits and offer personalized assistance

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Meet Ogbeide Frank, also known as Perere, a blogger passionate about writing on finance and tech. He studied Business Administration from Ambrose Alli University in Ekpoma and Mobile Communication at Orange College in Malaysia. Frank has experience working as a banker and consultant for various agencies in Nigeria.