Citibank UETR Tracking
Check what the trackers can show.
When a Citibank transfer is delayed, "sent" is not a real answer. uetr.ai checks public bank trackers and organizes available status context before your next bank conversation.
Track Citibank transfer
See where your transfer is in the banking network right now, and get alerted when the status changes.
Citibank SWIFT code, IBAN, and international wire transfer details
The SWIFT/BIC code, IBAN format, and routing details for Citibank, N.A. (United States (US)). Check each one against your own payment advice before you send money, because a bank this size has more than one code.
Citibank, N.A.
388 Greenwich Street, New York, NY 10013, USA
Not used. US banks do not have IBANs, so international senders use the SWIFT/BIC code CITIUS33 with your account number and the ABA routing number.
How this BIC breaks down
Citibank international wires, BIC codes, and UETR tracking
Citibank, CITIUS33, and Citi's many SWIFT codes
CITIUS33 (CITIUS33XXX in the 11-character form) is the reference SWIFT/BIC code for Citibank, N.A. at its New York head office, used for incoming US dollar wires. Citi is a global group, though, and operates separate legal entities in many countries, each with its own BIC, for example Citi entities in Singapore, Hong Kong, Australia, and the UAE, and Citibank Europe plc in Dublin. Senders often pick the wrong one, so use the code that matches the receiving Citi entity and country, and confirm it on the payment instructions. US Citibank accounts are identified by an account number and an ABA routing number rather than an IBAN, while many overseas Citi entities do use an IBAN.
Tracking a Citibank wire and where the UETR lives
Every cross-border SWIFT payment to or from Citibank carries a UETR, the 36-character reference in field 121 of the MT103. Citi's commercial clients use CitiDirect, where payment investigations and status sit, but retail customers often have to request the MT103 or UETR from support.
Paste the UETR into uetr.ai and we check the public SWIFT gpi tracker sources we can reach, then explain the status in plain English, for example ACSP for accepted and in process, ACSC for settlement completed, or RJCT for rejected, so you can see which bank in the chain last reported.
One Citi entity shows one view; the payment touches several banks
Citi runs separate legal entities in dozens of countries, and a payment often moves between two of them, or through Citi as a correspondent for another bank, before it reaches the beneficiary. CitiDirect shows the leg the Citi entity you deal with handled, keyed to its own systems. Since the UETR stays attached to the payment through every bank it touches, uetr.ai reads the public gpi tracker data that a wide range of international banks make available, letting you follow the transfer past the point where a single Citi view stops, in clear language and free of charge.
See an example UETR trace across correspondent banks
A made-up payment, hop by hop, so you can see the shape of a real trace before you run one. Nothing here touches SWIFT, a bank, or any live payment record.
Why a Citibank transfer can still go silent with no update
When you start an international bank transfer through Citibank, the transfer travels across the SWIFT network. Instead of going directly, your transfer routes step by step through intermediate institutions known as correspondent banks.
If a delay occurs, checking the status in your CitiDirect / Citibank Online may show only the information available to Citibank. Other events may depend on correspondent banks, network confirmations, and the access rights of the banks involved.
uetr.ai acts as an independent information monitor. When you provide your 36-character UETR (Unique End-to-end Transaction Reference), we check public bank trackers that can be queried with the details you provide.
We assemble available events into a single plain-English timeline. Use that context to ask more precise questions of the sending or receiving bank.
What CitiDirect / Citibank Online does not show you
Citibank's own dashboard typically reports only the leg of the payment Citibank can see. It does not show what a correspondent or beneficiary bank later reported against the same UETR. uetr.ai checks the public SWIFT gpi trail across every bank in the chain, so you can tell whether the wire is still in transit, held at an intermediary for compliance, credited to the beneficiary, or rejected, and which bank reported it.
A BIC directory is not a payment tracker
Most sites that come up for "Citibank SWIFT code" list the bank's registration details and stop there. That tells you where to send money, not where yours is.
| Feature | uetr.ai | A BIC lookup directory |
|---|---|---|
| The BIC itself | Listed, with one-click copy and a breakdown of every segment. | Listed. |
| Looking up a payment by UETR | Yes, wherever a public tracker reports it | No. It holds branch registrations, not payments. |
| What the banks in the middle reported | ACSP, ACWC, and RJCT, explained in plain English where they are visible. | Nothing. A register carries no payment events. |
| Worked examples | A sample trace and a BIC breakdown you can run on this page. | A table of codes. |
| Getting to it | Loads without an account, and prints or pastes into a ticket as it is. | Also open, but it stops at the registration record. |
Break down a SWIFT/BIC code
Paste any BIC to see which part is the bank, the country, the city, and the branch. Confirm the routing details with the bank itself before you send money on the strength of them.
How an international wire transfer actually travels
How SWIFT routing and correspondent banking move a Citibank wire, and why the UETR is the one thing that follows it the whole distance.
01/ Correspondent banks
Two banks can only pay each other directly if one holds an account with the other. Where Citibank has no such account with the receiving bank, it hands the payment to a correspondent bank that holds accounts with both sides, and sometimes to a second one after that.
Those accounts are the Nostro and Vostro ledgers. Every bank on that route gets to inspect the payment, screen it, take a fee, and work to its own cut-off times. Each one is somewhere your money can sit.
02/ UETR tracking, and SWIFT gpi field 121
Before SWIFT gpi, a payment that left Citibank left your view with it. The UETR changed that: one 36-character reference, carried in field 121 of the MT103, that every bank handling the payment reports against.
It is five hyphenated groups, and it stays identical from Citibank to the beneficiary bank. That is the whole point of it. Give uetr.ai that reference and we go and read what the public trackers hold against it.
03/ What each SWIFT gpi status code means
ACSP means the payment has been accepted and is moving through the correspondent chain. It has not been credited to the beneficiary yet.
ACWC means a bank accepted the payment but changed something on it. Ask which bank changed what, and whether it affects the amount, the routing, or the fees.
RJCT means a bank in the chain rejected the payment. Ask the sending bank for the reason code, which says exactly what to correct before sending again.
ACCC means the beneficiary bank has credited the money to the beneficiary's account. The transfer is complete.
04/ Why a wire transfer gets delayed
Sanctions and compliance screening
Every bank on the route screens the names on the payment. A near-match to a listed name is enough to pull it out for a person to review.
Cut-off times and holidays
Miss a bank's daily cut-off and the payment waits for tomorrow. A public holiday anywhere on the route does the same thing.
Intermediary bank fees
Under SHA or BEN charges, each intermediary bank on the route can take its cut before passing the money on, so less arrives than you sent.
Where is your Citibank wire stuck?
A Citibank payment can pause at any hop in the correspondent chain. The same UETR is reported by each bank along the way, so tracking it shows which institution last touched your money and where it is waiting.
How to find your UETR on a Citibank transfer
A UETR (Unique End-to-end Transaction Reference) is a standard 36-character reference commonly used for SWIFT gpi payment tracking.
Open CitiDirect
Access the CitiDirect commercial portal or your retail Citibank portal, navigate to payments processing, and view details on outbound international wire transfers.
Find the UETR Reference
Look for the SWIFT tracking details or copy of the debit advice. You will locate a 36-character lowercase UUID format called the UETR.
Check more than one bank
Paste the UETR in the form above. uetr.ai checks multiple international banks on the SWIFT network for that same reference, not only Citibank. It is free and needs no account, and we keep re-checking every 24 hours for 30 days, emailing you when the status changes.
Typically located on the Debit Advice or SWIFT gpi receipt. If not visible in your online dashboard, you can request the MT103 file directly from Citibank's customer support.
Citibank wire status codes in plain English
When you track a Citibank UETR, the SWIFT gpi network reports a status code. Here is what each one means for your money and what to do next. These codes follow the ISO 20022 External Code Sets and are the same across every bank.
| Status | What it means for your money | What to do |
|---|---|---|
| ACSPAccepted settlement in process | In transit. A bank accepted the payment and it is moving through the chain. | Keep tracking the UETR for the next reported step. |
| ACSCAccepted settlement completed | Settlement between the banks is complete on the sending side. | Check that the beneficiary bank has credited the account. |
| ACCCAccepted credit settlement completed | Credited to the beneficiary's account. The money has arrived. | Confirm receipt with the recipient. |
| ACWCAccepted with change | Accepted, but a detail was changed (for example a charge or a corrected account). | Ask the bank what changed and whether it affects the amount received. |
| PDNGPending | Held while a bank runs a check or waits for more information. | Ask which bank is holding it and why, often a compliance review. |
| RJCTRejected | A bank rejected the payment or instruction. | Ask the sending bank for the rejection reason and next steps. |
Track a SWIFT transfer at another bank
The same UETR tracking guide and SWIFT/BIC details for every other bank we cover.
FAQ
Citibank wire tracking questions
What is Citibank's SWIFT code?
CITIUS33 (CITIUS33XXX in full) is the reference SWIFT/BIC code for Citibank, N.A. in New York. Citi uses different BICs for its entities in other countries, so confirm the code that matches the receiving Citi entity on your payment advice.
What is Citibank's SWIFT code for New York or Singapore?
Citibank, N.A. in New York uses CITIUS33 for incoming US dollar wires. Citi's other country entities, such as Singapore or Hong Kong, use their own separate codes. Use the code for the country and entity that is receiving the wire, as shown on your payment instructions.
Is CITIUS33 the same for every Citi country?
No. Citi operates separate legal entities around the world, each with its own BIC (for example in Singapore, Hong Kong, Australia, the UAE, and Citibank Europe plc in Dublin). Match the code to the country and entity that is receiving the wire.
Does Citibank use an IBAN?
US Citibank accounts use an account number and ABA routing number, not an IBAN. Many overseas Citi entities do use an IBAN, so the answer depends on the country of the receiving account.
How do I track a Citibank wire transfer with a UETR?
Find the 36-character UETR in field 121 of the MT103 or on the payment advice and paste it into uetr.ai to check public bank trackers. Citi remains the official source for settlement confirmation.
Where do I find the UETR for my Citibank transfer?
On the MT103 or SWIFT payment advice. Commercial clients can view payment detail and investigations in CitiDirect; retail customers can request the UETR from Citi.
What does ACSP, ACSC, or RJCT mean on my Citibank payment?
ACSP means accepted and in process, ACSC means settlement completed, and RJCT means rejected. uetr.ai translates these SWIFT gpi status codes into plain English so you know what to do next.
Why is my Citibank wire transfer still pending?
Cross-border wires route through correspondent banks that can hold a payment for compliance checks, cut-off times, or timezone differences. The UETR shows which bank in the chain last reported, so you can ask the right one.
Is CitiDirect the same as uetr.ai?
No. CitiDirect is Citi's own commercial banking portal. uetr.ai is independent: it checks public SWIFT gpi trackers for any bank's UETR, reads only public data, and never moves funds.
Does uetr.ai keep checking my Citibank transfer, or is it a one-time lookup?
It keeps checking. A free check is not a single lookup: uetr.ai re-checks the same UETR once every 24 hours for 30 days and emails you when the status changes, so you do not have to keep opening a tracker page and pasting the reference again. A bank tracker page reports the status at the moment you open it. Paid plans re-check every few minutes instead of once a day.
Can I see what banks other than Citibank reported on the payment?
Yes, and that is the reason to check by UETR rather than by a bank reference. Citibank publishes only the leg Citibank handled, and a cross-border wire usually passes through one or more correspondent banks before the beneficiary's bank credits it. uetr.ai queries multiple international banks on the SWIFT network for the same UETR and consolidates what each one reports into a single timeline. The free check tells you how many banks have reported against your UETR. The bank-by-bank trail in route order, with the exact code each bank returned, is part of the paid plan.
What reference SWIFT/BIC code is listed for Citibank?
This guide lists CITIUS33XXX as a reference SWIFT code for Citibank, with base BIC CITIUS33. Confirm the correct BIC, branch, and routing instructions directly with Citibank before sending or acting on a payment.
How do I check a Citibank wire transfer with a UETR?
To check a Citibank international wire transfer, locate the 36-character UETR (Unique End-to-end Transaction Reference), commonly shown in field 121 of an MT103 or payment advice. Enter this UETR on uetr.ai to check public bank trackers for available status information. Your bank remains the official source for settlement and routing confirmation.
Can uetr.ai trace domestic wires for Citibank?
No, uetr.ai is designed for international wires carrying a SWIFT UETR. Domestic wires (like Fedwire, ACH, or SEPA payments without UETR headers) use domestic clearing references and are outside this lookup unless a tracker source can be checked with the details you provide.
Is my data secure when checking Citibank UETRs?
Yes. The service is designed for read-only lookups. We never request passwords, tokens, or personal bank login info. We use the payment reference, amount, currency, and date to query bank trackers and operate the monitoring service.