Updated September 1, 2023

Citibank Routing Number

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Looking to transfer money in or out of your Citibank checking or savings account? Find your Citibank routing number and learn about money transfers below.

Citibank Routing Numbers by State

Citibank is a national bank with over 700 Citibank branches. Your Citibank routing number is associated with the location of the bank where you opened your account.

Even if you do your banking at another Citibank branch, what matters is the bank where you opened your Citibank account.

Here are the Citibank routing numbers by state:

StateCitibank Routing Number
California: Northern (San Francisco and Central California)321171184
California: Southern (Los Angeles, San Diego)322271724
(or 254070116 for wire transfers)
Nevada: Not including branches 027, 029, 030, 056322271724
Nevada: Branches 027, 029, 030, 056122401710
(or 322271724 for wire transfers)
New Jersey021272655
New York021000089
(021001486 for former EAB customers)
Washington, DC, and Virginia254070116

If you don't see your region listed or are unsure where you opened your account, keep reading for other ways to find your Citibank routing number.

Tip: Save for what matters most with a savings account. Enjoy the benefits of earning interest while keeping your money secure.

What is a Routing Number?

Routing numbers are 9-digit numbers that banks use to identify themselves. Think of them as an address that lets other banks know where to find your money.

You need your routing number for many tasks, including:

  • ACH payments
  • Setting up direct deposit
  • Receiving benefits from the government, including tax refunds
  • Transferring money between accounts at different banks or investment firms
  • Automatic bill payment
  • Domestic wire transfers

Did you know: The first four digits of your routing number pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits - it's used to prevent check fraud.

Many banks have more than one routing number, especially if they have branches in more than one state. Citibank, in particular, has branches throughout the United States and uses different routing numbers for different regions.

Citibank savings accounts use the same routing numbers as checking accounts.

How to Find Your Citibank Routing Number

Here are several other ways to find your Citibank routing number:

Use a Check
For checking accounts, you can find the routing number in the lower left-hand corner of the checks corresponding with your checking account. It's the first 9 digits located at the bottom of the check.

Go Online
Visit the "Account Details" page after logging into your account. Click on "View Image" for a posted check. Citibank provides access to checks written within the last 18 months.

For a savings account routing number, check a recent bank statement via your online portal.

Call Customer Service
Call Citibank at 1-888-248-4226. After you provide a few specific details to identify yourself, a representative will be able to confirm your account's routing number.

Is there a routing number on your debit or credit card?
Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.

Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account. When you pay your credit card online, you may need to use your bank account routing number to set up the link between your credit card account and checking account, like you would for any other bill.

Domestic/International Wire Transfers

Friends, family, or even businesses can wire funds to your Citibank account. Wire transfers are a faster way to send money than an ACH transfer. They typically cost a small fee.

In order to wire funds, you'll need to register for an online account with your Citibank account. You can then click on Transfers and enter the required information below.

Domestic Wire Transfers
If the wire transfer is within the US, use your corresponding bank routing number (from above).

But some incoming domestic wire transfers require different routing numbers. Be sure to double-check that you have the correct one.

You'll also the following information to send a domestic wire:

  • The name of the person to whom you're wiring funds (the "beneficiary")
  • The name and location of the beneficiary's bank
  • The ABA number of their bank (if you don't know it, don't worry; Citibank provides a searchable list of ABA numbers)
  • The beneficiary's account number

International Wire Transfers
To transfer money from abroad, either to or from your Citibank account, you'll need a SWIFT CODE. These are the international equivalents of U.S. routing numbers. Citibank's SWIFT code is CITIUS33.

You'll also need the following to send an international wire:

  • The name of the person to whom you're wiring funds ("the beneficiary")
  • The name and location of the beneficiary's bank
  • The beneficiary's account number
  • The currency of the beneficiary's account
  • The Bic Code or SWIFT (Society for Worldwide Interbank Financial Telecommunication), SORT code, or other type of routing information (depending on the country).

Which Citibank routing number should you use?

  • Domestic Money Transfers
    Use the ABA routing number for the state of your Citibank branch bank.

  • From a Foreign Account into a U.S. Citibank Account
    You'll also only need the ABA routing number of the recipient bank.

  • From a U.S. Account into a Foreign Account
    You'll need the Citibank SWIFT code, which is CITIUS33.

Cheaper and Faster Way to Send Money Internationally

The quickest and cheapest way to send money internationally is to use a money transfer service (instead of Citi).

Bottom Line

You'll likely need your Citibank routing number when managing your finances. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer.

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