Citibank Routing Number 2026: By State, ACH & Wire

Here's the thing about Citibank routing numbers that trips people up: unlike BECU or USAA which have one number nationwide, Citibank uses different routing numbers depending on the state where you opened your account — and not every state has one at all.

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Citibank Routing Number by State (2026)

The routing number that applies to your account is determined by the state where you opened it, not where you currently live. If Citibank doesn't have a branch in a state, accounts opened online are typically linked to the nearest state with a branch.

States not listed have no Citibank routing number — Citibank does not have branches there. If you opened your account online from one of these states, call Citibank at 1-800-374-9700 to confirm which routing number applies to your account.

Citibank Wire Transfer Routing Number (All States)

For domestic wire transfers, Citibank uses one routing number nationwide:

021000089

For international wire transfers, you'll also need Citibank's SWIFT/BIC code: CITIUS33.

Citibank Routing Number for California

California has two routing numbers — which one applies depends on where in California you opened your account:

• Northern and Central California: 321171184
• Southern California: 322271724

If you're not sure which applies to your account, check the Citibank app under Account Details, or call 1-800-374-9700.

Citibank Routing Number for New York

Most New York Citibank accounts use routing number 021000089. Accounts that were originally with Euro American Bank (a historical acquisition) use 021001486. When in doubt, check your Citibank app — it shows your specific routing number under Account Details.

How to Find Your Citibank Routing Number

1. Citibank mobile app: Log in → tap your account → select "Account details" — your routing number is listed alongside your account number
2. Online banking: Log in at citi.com → Account Details → view a check image from your account history → routing number is in the lower-left corner
3. On a paper check: The first 9 digits in the lower-left corner of any Citibank check
4. Call Citibank: 1-800-374-9700 (outside the U.S.: 1-703-255-8837)

Citibank ABA Routing Number vs. ACH Routing Number

For Citibank, the ABA routing number (for paper checks) and the ACH routing number (for electronic transfers like direct deposit and bill pay) are the same number. Use your state's routing number from the table above for both.

Citibank SWIFT Code for International Transfers

Citibank's SWIFT/BIC code is CITIUS33. This is required for incoming international wire transfers in addition to your account number and routing number. Citibank has one of the largest international banking networks in the world, so most international transfers can be processed directly without a correspondent bank.

FAQ: Citibank Routing Number

What is Citibank's routing number?

Citibank uses different routing numbers by state. The most common are: New York / NYC: 021000089; Northern/Central California: 321171184; Southern California: 322271724; Florida: 266086554; Illinois: 271070801; Texas: 113193532. For wire transfers, all accounts use 021000089.

What is Citibank's routing number in New York?

The Citibank routing number for New York accounts (including NYC) is 021000089. Most NY Citibank accounts use this number for ACH, direct deposit, and wire transfers.

What is Citibank's routing number for California?

Northern and Central California accounts use 321171184. Southern California accounts use 322271724. Check your Citibank app under Account Details to confirm which applies to your account.

Does Citibank have the same routing number for all states?

No. Citibank uses state-specific routing numbers, and not all states have a Citibank routing number (only states with Citibank branches). For domestic wire transfers, however, all Citibank accounts use 021000089 regardless of state.

What is Citibank's SWIFT code?

Citibank's SWIFT/BIC code is CITIUS33. Use this for incoming international wire transfers along with your account number.

Last verified: March 2026. Always confirm with Citibank at 1-800-374-9700 before initiating wire transfers. Also see: Complete routing number guide · BECU routing number · USAA routing number.