SWIFT Code CIINGHA1 — CITIZENS INVESTMENT BANK, ACCRA

About SWIFT Code CIINGHA1 — CITIZENS INVESTMENT BANK, ACCRA

SWIFT code CIINGHA1 is the official 8-character head-office BIC (Bank Identifier Code) for CITIZENS INVESTMENT BANK in ACCRA, Ghana. Standardised under ISO 9362 and maintained by the Society for Worldwide Interbank Financial Telecommunication (SWIFT), this code is used exclusively for cross-border wire transfers and is recognised by financial institutions in over 200 countries.

This code must be provided to the sender when receiving money from abroad, and is required by CITIZENS INVESTMENT BANK for all outward international remittances from ACCRA. Without the correct SWIFT code, international transfers to or from this branch cannot be processed.

How to Read SWIFT Code CIINGHA1

The code CIINGHA1 follows the ISO 9362 standard and breaks down as follows:

When to Use SWIFT Code CIINGHA1

Receiving International Wire Transfers

To receive money from abroad at your CITIZENS INVESTMENT BANK account in ACCRA, share SWIFT code CIINGHA1 with the sender along with your full account number, your name as on the account, and the branch address.

NRI Remittances

Non-Resident Indians sending money to NRO/NRE accounts at CITIZENS INVESTMENT BANK, ACCRA must provide SWIFT code CIINGHA1. Major remittance platforms — including Wise, Remitly, Western Union, and MoneyGram — use this code to route transfers accurately.

Trade Finance and Foreign Payments

Importers and exporters using CITIZENS INVESTMENT BANK in ACCRA rely on SWIFT code CIINGHA1 for letters of credit, bank guarantees, and foreign currency settlements.

SWIFT Code vs IFSC vs MICR vs BSR — Key Differences

Need the IFSC code for domestic NEFT, RTGS, or UPI transfers? View the IFSC code for CITIZENS INVESTMENT BANK →

For cheque clearing or NACH mandates, use the MICR code for CITIZENS INVESTMENT BANK →

For TDS challan deposits, find the BSR code for CITIZENS INVESTMENT BANK →

How SWIFT Code CIINGHA1 Routes an International Transfer

1. Initiation: The sender provides SWIFT code CIINGHA1 and account number to their bank.
2. Validation: The sending bank validates the BIC against the SWIFT registry.
3. Routing: An MT103 SWIFT message is transmitted through the network to CITIZENS INVESTMENT BANK.
4. Correspondent bank (if needed): An intermediary bank may relay the transfer, adding 1–2 business days.
5. Credit: CITIZENS INVESTMENT BANK receives the SWIFT message and credits the account. Total time: 1–5 business days.

Common Mistakes When Using SWIFT Code CIINGHA1

• Spaces or lowercase letters — Always enter CIINGHA1 uppercase with no spaces.
• Using the wrong city — This code is for ACCRA only.
• Truncating to 8 characters — When 11 characters are required, always use the full code.
• Using SWIFT for domestic transfers — Use the IFSC code for any transfer within Ghana.

Data Accuracy

BankZop sources SWIFT/BIC data from publicly available banking registries and official disclosures, updated regularly. For the highest-stakes transactions, always confirm CIINGHA1 directly with CITIZENS INVESTMENT BANK's ACCRA branch or via the SWIFT BIC Directory.