Sending Money - FAQs

We provide you with below options to send money from your Citi UK Account:

1. By calling CitiPhone on 0800 00 55 00 (if calling from within UK) or +44 207 500 5500 (from outside UK)
2. By writing to Customer Services, PO Box 4012, Swindon, SN4 4JZ.

We may call you to verify your instructions in the interests of security.

CitiPhone - We will ask that you identify yourself through your card number and t-PIN.
Written instructions - please make sure you sign any instruction for sending money or any other transaction request.
IMPORTANT NOTE: Please ensure that your contact details are current and correct in case a verification call or One Time Password is required. Only the contact details on record will be used.

Yes a TPIN (Telephone PIN) is our primary way of identifying you, and therefore is necessary when instructing a funds transfer over the phone.

• Amount and Currency of the Transfer.
• Beneficiary Bank name & Country, Address, BIC/SWIFT Code.
• Cover Bank: Citi will try and locate this for you. However if you have the cover bank details and provide your preference, the payment will be processed accordingly.
• Beneficiary Name and Account Number.
• Reference for the transfer.
• Reason for the transfer.
• Your a/c number to be debited for the transfer and the fees.

SWIFT code is an 8 or 11-character bank code, which allows effective identification of the Bank to which the funds are being sent (beneficiary bank).

For example, the SWIFT code of Citi in Greece is CITIGRAA where CITI – is the name of the bank, GR – Country code for Greece and AA – Head office code (Athens in this case). To denote a branch a three alpha/numeric/alpha numeric character may be suffixed. E.g. CITIGRAAXYZ, where XYZ –Branch code. A valid SWIFT code (BIC code) ensures the efficient transfer of funds.

Sort Codes, National Ids, or Branch Codes are specific codes allocated to each and every bank/branch so that these banks can easily be located, thereby enabling the efficient transfer of funds.Listed below are a few examples of National Ids.

• ABA – American Banking Association – This is a 9-digit number, which is mandatory for all USD transfers within the USA.
• BSB – Bank State Branch – This is a 6-digit number used in South Africa, Australia and New Zealand.
• Sort Code – This is a 6-digit bank code used for transfers within the United Kingdom.
• BLZ – This is an 8-digit bank code used in Germany.

IBAN stands for the International Bank Account Number and is used by banks in European countries for Sending money outside the UK. Every customer has their own unique IBAN, which should be quoted for all Sending money outside the UK.

The format of IBAN for Citi-UK customers is as follows GBXXCITIYYYYYYZZZZZZZZ where GB – Great Britain, XX – Two digit numeric code, CITI – Citi, YYYYYY – Citi-UK’s Sort Code, and ZZZZZZZZ – Your 8 digit Citi Account number.

As a general guideline, Sending money outside the UK may take five to six working days to be credited to the beneficiary account. Citi cannot guarantee the exact time taken as this depends on the local and intermediary bank systems.

Please note that intermediary banks may debit a fee when the funds pass through them, which means the amount arriving may differ slightly from what was sent.

This could happen due to the following reasons:

1. The cover bank used to process the transfer might have charged a fee to process the transfer.
2. The beneficiary bank might charge a fee to credit the funds received into the beneficiary’s account.