Citibank's ABA number is 021000021, but the number you need depends on which Citibank service you're using

Citibank uses ABA number 021000021 for most domestic wire transfers and ACH payments. However, Citibank operates multiple divisions and service lines, and some transactions may route through different ABA numbers depending on whether you bank with Citibank, N.A., Citibank (South Dakota), N.A., or another Citibank entity. The ABA number is also called a routing number, and it tells the banking system which institution to send your money to and where to pull it from.

You will encounter this number when you set up direct deposit, arrange a wire transfer, or authorize an automatic payment from your Citibank account. The bank you're sending money to will ask for it. Your employer's payroll system will ask for it. Your utility company or loan servicer will ask for it. It is not a secret or sensitive number — it is published and the same for all Citibank customers using that particular service.

Key Takeaways

  • Citibank's primary ABA routing number for domestic transfers is 021000021, used by most personal and business checking and savings accounts.
  • Different Citibank divisions and account types may use different ABA numbers, so confirm with your bank before initiating a transfer.
  • You can find your account's correct ABA number on the bottom left of your checks, in your online banking portal, or by calling Citibank directly.
  • The ABA number is not confidential and is safe to share with employers, billers, and other financial institutions that need to move money to or from your account.

Where to find your Citibank ABA number

The fastest way to find your ABA number is to look at a check from your Citibank account. The number appears on the bottom left of the check, before your account number. It is a nine-digit code printed in magnetic ink.

If you do not have checks or prefer not to use them, log into your Citibank online banking account and look for account details or account information. Most Citibank accounts display the routing number alongside your account number in the account summary section. You can also call Citibank customer service at the number on the back of your debit card, and a representative can confirm the ABA number for your specific account.

Why different Citibank accounts may have different ABA numbers

Citibank operates as multiple legal entities under the Citibank name. The main entity is Citibank, N.A., which handles most retail and business accounts. Citibank also owns Citibank (South Dakota), N.A., which serves certain account types and geographic regions. Each legal entity has its own ABA number assigned by the Federal Reserve.

Additionally, some Citibank products — such as certain investment accounts, trust accounts, or accounts held through specific subsidiaries — may route through different ABA numbers. This is why confirming the correct number for your specific account type before setting up a transfer is important. The ABA number on your checks or in your online account details is the correct one for your account.

How ABA numbers work in wire transfers and ACH payments

When you send a wire transfer or set up an automatic payment (ACH), the sending bank uses the ABA number to identify the receiving bank and route the money correctly through the Federal Reserve's system. The ABA number, combined with your account number, tells the banking system exactly where your money should go.

Wire transfers are faster but typically cost a fee. ACH payments are slower (usually one to three business days) but are often free. Both require the correct ABA number. If you provide the wrong ABA number, the money may be sent to the wrong bank, and recovering it can take weeks. Always double-check the ABA number before confirming a large transfer.

ABA numbers versus SWIFT codes and IBAN numbers

The ABA number (routing number) is used only for domestic transfers within the United States. If you are sending money to or receiving money from outside the United States, you will need a different identifier.

International wire transfers use a SWIFT code (also called a BIC code), which identifies Citibank internationally. Citibank's main SWIFT code is CITIUS33, though specific branches may have different codes. Some countries also require an IBAN (International Bank Account Number), which is a standardized account identifier used in Europe and many other regions. If you are making an international transfer, ask Citibank which code or number the receiving country requires.

What to do if you cannot find your ABA number

If you have lost your checks, do not have online banking access, or cannot find the routing number in your account details, contact Citibank directly. Call the customer service number on the back of your debit card, or visit a Citibank branch in person with your account information and a form of identification. A representative can provide the correct ABA number for your account within minutes.

You can also search for Citibank's ABA number online using the Federal Reserve's routing number lookup tool, though this will return the main number (021000021) and may not account for specialty accounts or divisions. Confirming directly with Citibank is the safest approach if you are unsure.

Frequently Asked Questions

Is the ABA number the same as my account number?

No. Your ABA number (routing number) identifies Citibank as the institution. Your account number identifies your specific account within Citibank. Both are needed to complete a transfer. The ABA number is nine digits; your account number is longer and unique to you.

Can I use 021000021 for all my Citibank accounts?

In most cases, yes — 021000021 works for standard Citibank checking and savings accounts. However, specialty accounts, trust accounts, or accounts through certain Citibank divisions may use a different ABA number. Check your account details or call Citibank to confirm before initiating a transfer.

Is it safe to give my ABA number to my employer or a biller?

Yes. The ABA number is not confidential. Your employer needs it to set up direct deposit, and billers need it to withdraw automatic payments from your account. The ABA number alone cannot be used to access your account or withdraw money without your account number as well.

What happens if I use the wrong ABA number?

The money may be sent to a different bank or account. If this happens, contact both Citibank and the sending institution when ready. They can attempt to recall the transfer, but recovery can take one to two weeks or longer. Always verify the ABA number before confirming a transfer.

Do I need a different ABA number for wire transfers versus ACH payments?

No. The same ABA number works for both wire transfers and ACH payments. The difference is in the speed and cost of the transfer method, not the routing number used.