Last updated on: August 6, 2025

Citi Bank IFSC Code: The Ultimate Guide in 2025

You have probably encountered the term Citi Bank IFSC Code if you are making online payments or transferring money in India. In 2025, knowing these codes has become a necessity to many people because digital banking is gaining new heights. If you want to transfer money to a friend, purchase something on an online marketplace, or receive a salary, you will need the appropriate IFSC code to make your transaction fast and secure.

This guide explains all the details about Citi Bank IFSC codes, what they are, how to locate them, and how to use them in the correct manner in your day-to-day banking. Using real-life situations and current knowledge, this article will answer all your questions and guide you through internet and mobile banking with full confidence.

What Is a Citi Bank IFSC Code?

An IFSC code (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every branch of a bank in India that participates in NEFT, RTGS, and IMPS transactions. Think of it as the postal address of a bank branch, but of a digital money transfer.

Citi Bank is one of the leading international banks in India and it has its own IFSC codes in each of its branches in different cities. The right Citi Bank IFSC code will help your money reach the intended account without delays or errors.

Why do you need Citi Bank IFSC Code in 2025?

As the number of UPI, IMPS, NEFT, and RTGS payments increases in 2025, the majority of the population conducts digital transactions every day. It is important to know your IFSC code to:

• Domestic wire transfers: Transferring/receiving funds between banks in India.
• Online marketplaces: The receipt of payment through sites such as Amazon, Flipkart, or freelance work.
• Bill payments: Making sure that auto-debits and standing instructions are directed to the correct branch.
• Salaries and supplier payments: Businesses are relieved of the burden of correct banking information.

One wrong character in the IFSC can lead to unsuccessful transactions or, even worse, to money being stuck. This is why knowing the Citi Bank IFSC system is essential to easy finances.

What Is The Structure Of A Citi Bank IFSC Code?

Each Citi Bank IFSC code contains 11 characters with a standard format mandated by the Reserve Bank of India (RBI):

• First 4 characters: The code of the bank- always CITI
• Fifth character: Always 0, to be used in the future
• The last 6 characters: A special code of the particular branch

Structure of IFSC Code

Thus, the IFSC code of Citi Bank main branch in Mumbai would be CITI0000002.

Where can I locate my Citi Bank IFSC code?

It is easy to find the IFSC code of your Citi Bank branch. These are the most effective methods of locating it:

• Bank Passbook or Chequebook: Citi Bank has the IFSC code printed on the first page of their passbooks and on top of their cheque leaves.
• Account Statement: Your monthly or quarterly bank statement (digital or hard copy) usually displays the associated IFSC code.
• Citi Bank Website: Visit the Citi Bank India Branch Locator. Find your branch and verify the IFSC.
• RBI IFSC Directory: The Reserve Bank of India has a current branch-wise IFSC directory.
• Online Marketplaces and Payment Platforms: When you add a Citi Bank account to receive payout on Amazon, Paytm, or Flipkart Seller Platform you will see drop-down lists of branches with IFSC codes.
• Customer Care: The IFSC of any branch can be verified by calling the customer service lines of Citi Bank.

Does the IFSC vary by branch?

Yes. The IFSC code of each physical branch of Citi Bank is different. If you’re sending money to another Citi Bank account in a different city (say, Bengaluru vs Delhi), using the correct branch’s IFSC code ensures the payment is routed right.

Citi Bank IFSC Code Table for Major Indian Cities (2025)

Here is a useful list of the new Citi Bank IFSC codes of important branches in India:

Note: It is always good to confirm with Citi Bank or official listings, as branch codes do change or get updated during mergers or relocations.

How to Transfer Money Using Citi Bank IFSC Code Online?

Regardless of whether you are paying through HDFC, ICICI, SBI or any other Citi Bank, you will require the following details of the recipient:

• Account number
• IFSC code
• Name (as registered with the bank)

Steps of NEFT/RTGS/IMPS:

1. Go to your netbanking or mobile banking.
2. Click on the option Add New Beneficiary or Payee.
3. Enter Name, Account Number, and Citi Bank IFSC code.
4. Once verified (may take a few hours), choose to transfer via NEFT, RTGS, or IMPS.
5. Review details. Enter the amount and the purpose.
6. Send. Funds usually reflect instantly (IMPS) or within a few hours (NEFT/RTGS).

Are UPI Transfers Connected with IFSC Code?

The IFSC is not required in case of regular UPI payments using phone numbers or UPI IDs. However, in case you are using the Account number + IFSC option on Google Pay, PhonePe, or Paytm, you will need the entire IFSC code.

The Mistakes to Avoid When Using Citi Bank IFSC Code

After assisting numerous friends and clients in paying online, here is what I have discovered:

• Verify the code: Typo can lead to unsuccessful or incorrectly routed payments.
• Do not use the same IFSC as another city: The IFSC of each branch is unique. Don’t use a Delhi IFSC to a Mumbai account.
• Stay informed: Citi Bank does replace systems or consolidate branches. In case you receive a new chequebook, recheck your IFSC.
• Avoid scam websites: Do not use third party unauthorised directories.
• Do not share on unsecured networks: IFSC is okay to share, but only in combination with other details on trusted portals.

How Often Do Citi Bank IFSC Codes Change?

The Citi Bank IFSC code format remains the same in 2025, with the first 4 letters, followed by a zero and 6 distinct digits. But codes may change in exceptional circumstances:

• When branches move or merge
• In the process of system upgrades as required by RBI or internal restructuring
• In the event of this, Citi Bank informs all the customers through SMS, email, and their websites.

What Will Happen in a Case of an Outdated IFSC Code?

In case you use an old or wrong Citi Bank IFSC code:

• The transaction will most likely fail and the amount is returned to your account.
• There may be delays in some rare cases so make sure you use the latest information.

What Is the Relevance of Citi Bank IFSC to Online Marketplaces and Freelancers?

Online. Online marketplaces like Amazon, Flipkart, or Upwork in India will need the right Citi Bank IFSC to register payouts and direct deposits.

Use Case:
When freelancing to international clients through Upwork, use your Citi Bank account with the appropriate IFSC to get your SWIFT and local INR payments without any delay.

How Do Online Marketplaces Verify Your IFSC Code?

Platforms also perform a background check on Indian bank accounts by using the Reserve Bank database, so your Citi Bank IFSC and account number combination is valid and matches the correct branch.

What is the difference between IFSC and MICR codes of Citi Bank?

There is a lot of confusion between IFSC and MICR numbers.

• IFSC Code: Applied to any kind of electronic funds transfer.
• MICR Code: A 9-digit code that appears on cheques, primarily to process physical cheque instruments using magnetic ink readers.

In short:
Use the IFSC to make digital payments and MICR to clear cheques.

Real-Life Experience: The Importance of Using the Right Citi Bank IFSC.

My uncle wanted to pay his Citi Bank credit card bill online through his SBI account but he entered an old IFSC code. It cost him three additional days to get the money back, and it cost him a late fee until the payment re-posted.

The lesson? Never use an old IFSC or the one in the bank website, it will only waste your time and energy.

Frequently Used Citi Bank IFSC Codes (2025 Reference Table)

In other branches or updates, always consult Citi Bank official branch locator or your local bank contact.

In Short / TLDR / Quick Recap: Citi Bank IFSC Code Facts

• Each Citi Bank branch has a unique 11-character IFSC code (format: CITI0XXXXXX).
• You require the right IFSC to do NEFT, RTGS, and IMPS transfers, and to receive payments on online marketplaces.
• Find your branch IFSC on passbooks, chequebooks, the Citi Bank site, or on the RBI database.
• The IFSC code is different from the MICR code (which is only for cheques).
• Always re-check before each transaction, particularly when you have changed branches or chequebooks.
• Providing an outdated or inaccurate IFSC can slow or prevent your payment.

Frequently Asked Questions (FAQs) about Citi Bank IFSC Code

Q1: Can I use a single Citi Bank IFSC code in all branches?
No. All the branches are assigned their own IFSC code. The branch-specific code will give the best results.

Q2. Where do I find the IFSC code in my chequebook?
It is normally printed on the top of each cheque leaf and the first page of your passbook.

Q3: Is the IFSC code necessary in UPI transfers?
Not on standard UPI ID/payments, but yes when you select the transfer mode of Account + IFSC.

Q4. Is Citi Bank IFSC code necessary in international SWIFT transfer?
Wire Transfer Identification Numbers (SWIFT) and IFSC are not the same. To receive inward remittance, provide your SWIFT code and the IFSC to link to Indian banks.

Q5. What happens in case of failure of my transaction because of incorrect IFSC code?
Funds are typically automatically returned to your account. Contact your bank in case of delay in refund.

In case of any doubts or changes in your Citi Bank IFSC code, always refer to the official Citi Bank website or contact customer service.

With accurate, updated knowledge of Citi Bank IFSC codes, you can make smoother, safer online transactions in 2025!