Citibank Hong Kong Bank Code 250: Which Branch and SWIFT Code Applies?

Q: When should I use branch code 790 instead of 390?

Citi says accounts opened in Citibank N.A. use branch code 790 in its local receiving guide; its standard instructions show 390. The recipient or Citi can confirm the details for a particular account.

Q: What is Citibank Hong Kong's SWIFT code?

For overseas inward transfers, Citi lists CITIHKAX for Citibank (Hong Kong) Limited. Its published footnote tells Citibank N.A. customers to use CITIHKAXIPB. Check the recipient's own instruction before sending.

For the local receiving instructions on Citi Hong Kong's personal banking website, the bank code is 250 and the branch code is 390. Citi specifies an exception: accounts opened in Citibank N.A. use branch code 790. For money sent from overseas, Citi lists CITIHKAX as the standard inward SWIFT code and CITIHKAXIPB for Citibank N.A. customers. Check which instruction applies to the recipient's account before sharing the details. Citi's local transfer instructions and overseas transfer instructions set out the distinction.

These instructions are published for Citi's personal-banking customers. If you are using a corporate, institutional or other account, confirm its specific receiving details with Citi rather than assuming the personal-account instructions apply.

First, choose the details that fit your account

Receiving scenario	Bank code	Branch code	SWIFT code
Citi Hong Kong personal account: local transfer	250	390	Follow the local sending form; an overseas SWIFT code is not the same as a local bank code.
Account opened in Citibank N.A.: Citi's local receiving guidance	250	790	Follow the local sending form.
Citi Hong Kong personal account: inward transfer from overseas	250	390	CITIHKAX
Citibank N.A. customer: inward transfer from overseas	250	790	CITIHKAXIPB

The table summarises the two Citi pages above; it does not identify your particular account. Ask the account holder to confirm the applicable details, and follow the sending bank's required fields. A bank code, branch code and SWIFT code are separate identifiers and should not be substituted for one another.

Receiving HKD from another Hong Kong bank

Citi tells customers to prepare bank code 250, branch code 390 or the applicable 790 exception, and their Citi HKD account number. Its local guide describes the HKD account number as eight digits for this procedure. The payer should also use the account holder's confirmed name and check the details before submitting the transfer. Source: Citi's local receiving guide.

What if the form has no separate branch-code field?

For the HKD receiving scenario described in its guide, Citi says that if the sending bank asks for only a bank code and account number, the customer should put 390 or 790 in front of the Citi account number. For example, the format is [applicable branch code] + [eight-digit Citi HKD account number]; the bank code remains a separate field when requested.

This is a specific Citi instruction for the situation described, not a rule to apply to every bank or every currency. Confirm the account details and the sending provider's instructions if the form does not match this arrangement.

For repeat business-to-business payments, the same check matters whenever a supplier changes its bank details. A documented beneficiary validation process can help a finance team confirm the recipient through an established contact channel before updating a payee record.

Check the account number before receiving foreign currency

Citi notes that receiving Hong Kong dollars may require a different account number from receiving a foreign currency. In its example of a local USD transfer, Citi tells the sender to use the recipient's eight-digit multi-currency Call Deposit account number, along with the applicable bank and branch details. The account holder can check the number in Citi Mobile, Citibank Online or a statement, as described in Citi's local transfer guide.

Before giving a customer or business partner payment instructions, confirm the currency, account number and any conditions with the recipient. Do not assume that the number used for an HKD payment will also be the correct number for a foreign-currency payment.

Receiving an overseas transfer: CITIHKAX or CITIHKAXIPB?

Citi's overseas transfer page lists CITIHKAX for inward transfers to Citibank (Hong Kong) Limited. Its footnote instructs Citibank N.A. customers to use CITIHKAXIPB and branch code 790. The standard details on that page include bank code 250 and branch code 390.

Alongside the relevant code, Citi asks for the account number and the account holder's full name. Its page also supplies the bank name and address. An overseas sender should obtain the recipient's current instructions and check whether the sending bank asks for additional information; fields and routing requirements can differ by payment service.

If you are unsure whether the recipient falls under the Citibank N.A. exception, stop and ask the account holder or Citi. Neither a bank's brand name nor an account number alone is a safe basis for guessing which SWIFT instruction applies.

After the payment: keep the transaction easy to identify

For a single transfer, the payment confirmation may be enough for the sender to follow up. Businesses receiving regular customer payments may also need to match an incoming amount to an invoice. A remittance advice can communicate which invoice a payer intended to settle, while account reconciliation helps a finance team compare payment records with its accounts.

Keep the payment reference and the details your provider gives you. A remittance notice is helpful information, but confirm receipt through the receiving account rather than treating a notice alone as proof that funds have arrived.

When payments span more than one currency: where PhotonPay fits

The Citibank details above answer where a particular payment should go. A business with customers and suppliers in several markets also has to manage the currencies it receives, the conversions it needs and the payments it sends. Those are distinct tasks from identifying a Citi branch.

Multi-currency accounts vary in what they let a business receive, hold and pay out, so it is useful to check each capability against the actual currencies and destinations involved. PhotonPay is a separate payments provider that eligible businesses can consider alongside an existing Citi banking relationship:

Manage supported balances: Photon Wallet describes a unified interface for supported fiat and stablecoin activity, with dedicated local accounts for eligible use cases.
Make cross-border payouts: PhotonPay Movement describes payment workflows to supported bank accounts and, where available, wallets or cards.
Convert where supported: PhotonPay Convert describes conversion between supported fiat currencies and stablecoins. Check the available pair, price and terms for the specific transaction.

PhotonPay does not replace the need to confirm Citibank account details. Availability, eligibility, payment routes, fees and settlement times depend on the customer, jurisdiction and transaction; check the relevant terms and product pages before use.

Questions people ask about Citibank Hong Kong codes

Is Citibank Hong Kong's bank code 250?

Yes. Citi's personal-banking instructions for receiving funds from other local banks list 250. Confirm the instructions that apply to the recipient's account, especially for corporate or institutional products.

When should I use branch code 790 instead of 390?

Citi says accounts opened in Citibank N.A. use branch code 790 in its local receiving guide; its standard instructions show 390. The recipient or Citi can confirm the details for a particular account.

What is Citibank Hong Kong's SWIFT code?

For overseas inward transfers, Citi lists CITIHKAX for Citibank (Hong Kong) Limited. Its published footnote tells Citibank N.A. customers to use CITIHKAXIPB. Check the recipient's own instruction before sending.

Can I use my HKD account number for a USD payment?

Do not assume so. Citi says HKD and foreign-currency transfers may require different account numbers. Its USD example uses the recipient's eight-digit multi-currency Call Deposit account number.