Citigroup website screenshot

Citigroup

Citigroup (Citi) is a global, diversified money-center financial services holding company headquartered in New York City, serving consumers, corporations, governments, and institutions across roughly 90 countries. Citi exposes public API access through two distinct, voluntary developer surfaces. The retail Citi Developer Hub (developer.citi.com, now consolidated into the Citi Partner Portal at partner.citi.com) was one of the earliest bank open-banking programs, launched in 2016, and documents seven core API product families: Accounts, Authorize, Customers, Money Movement, Utilities, Onboarding, and Pay with Points, secured with OAuth 2.0 authorization-code and consent flows against a developer sandbox. The corporate surface is CitiConnect, part of Treasury and Trade Solutions (TTS), which has processed more than one billion API calls since 2017 and exposes real-time payments, cross-border WorldLink FX, statements and reporting, request-to-pay, proof-of-payment, and account-balance APIs across the full TTS footprint, integrated through ERP and TMS systems with OAuth 2.0 and mutual TLS. As a US institution Citi participates in voluntary open finance rather than a single mandated contract: it is a co-owner of the Akoya data-access network and shares consumer-permissioned data under emerging FDX / CFPB Section 1033 norms. No public downloadable OpenAPI, Swagger, SDK, or Postman artifacts are published; documentation is HTML and partner-gated, so entries below are documented humanURL references without harvested machine-readable specs.

Citigroup publishes 11 APIs on the APIs.io network. Tagged areas include Banking, Financial Services, United States, Money Center Bank, and Open Banking.

The Citigroup catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Citigroup’s developer surface includes documentation, engineering blog, support, authentication, and 20 more developer resources.

37.8/100 thin ▬ flat Agent 16/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreemium
11 APIs
BankingFinancial ServicesUnited StatesMoney Center BankOpen BankingOpen FinanceTreasury and Trade SolutionsCitiConnectPaymentsFXCorporate BankingFortune 100

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 37.8/100 · thin
Contract Quality 3.2 / 25
Developer Ergonomics 7.0 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 3.4 / 13
Governance 4.0 / 12
Discoverability 8.3 / 10
Agent readiness — 16/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/citigroup: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

Citi Accounts and Transactions API

The Citi Accounts and Transactions API provides authorized third-party access to retail customer accounts, current and available balances, and transaction histories, enabling ac...

Citi Money Movement API

The Citi Money Movement API enables authorized payment initiation from Citi retail accounts, including domestic ACH, wire, and internal book transfers, on behalf of a consenting...

Citi Authorize API

The Citi Authorize API handles the OAuth 2.0 authorization-code and customer-consent flows required for third-party applications to gain scoped access to a customer's Citi accou...

Citi Customers API

The Citi Customers API provides authorized access to retail customer profile information, including contact details and demographic data, for use in onboarding, personalization,...

Citi Onboarding API

The Citi Onboarding API enables digital account opening, document submission, and KYC-driven origination workflows for onboarding new retail customers onto Citi products. It is ...

Citi Pay with Points API

The Citi Pay with Points API enables Citi cardholders to redeem ThankYou points and other rewards balances for purchases at merchant checkouts and inside partner applications. I...

Citi Utilities API

The Citi Utilities API provides supporting reference data such as foreign-exchange rates, branch and ATM locators, and cut-off times used to support transactional workflows acro...

CitiConnect API

CitiConnect is the corporate treasury and trade integration channel within Citi's Treasury and Trade Solutions (TTS) business, exposing APIs for real-time payment initiation, pa...

CitiConnect WorldLink Payment Services API

The CitiConnect WorldLink Payment Services API delivers cross-border, multi-currency payment capabilities within the CitiConnect suite, including FX rate enquiry, FX deal bookin...

CitiConnect FX (Real-Time FX) API

The CitiConnect FX API provides real-time foreign-exchange information and execution for corporate treasury clients, supporting FX rate requests and the booking of FX contracts ...

CitiConnect Statements and Reporting API

The CitiConnect Statements and Reporting API delivers self-service reports, account statements, intraday and prior-day balance and transaction reporting, cut-off times, and proo...

Scroll for all 11

Pricing Plans 1

Published pricing tiers and plan structures.

Rate Limits 1

Documented rate limits and quota policies.

Citigroup Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Citigroup Context

17 classes · 0 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Citigroup API Rules

6 rules · 3 errors 3 warnings

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Citigroup Authentication

oauth2/mutualTLS · 3 schemes

SECURITY

Citigroup Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Press 5

Recent news and press coverage referencing this provider.

Introducing AI Agents

2026-05-25

How Citigroup Helps Employees Harness the Power of AI

2026-05-25

Citi Wealth Unveils “Citi Sky” – An AI-Powered Member of ...

2026-05-25

Citi is leveling up its AI game, according to a new memo ...

2026-05-25

Citi eyes AI productivity gains as it consolidates data systems

2026-05-25

Resources

Get Started 2

Portal, sign-up, and the first successful call

Documentation 1

Reference material describing how the API behaves

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 2

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 4

Pricing, plans, and the legal terms of use

Company 4

The organization behind the API

Other 2

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
aid: citigroup
kind: company
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/citigroup.png
name: Citigroup
url: https://raw.githubusercontent.com/api-evangelist/citigroup/refs/heads/main/apis.yml
created: '2026-03-23'
modified: '2026-07-23'
type: Index
access: 3rd-Party
position: Consumer
specificationVersion: '0.19'
tags:
- Banking
- Financial Services
- United States
- Money Center Bank
- Open Banking
- Open Finance
- Treasury and Trade Solutions
- CitiConnect
- Payments
- FX
- Corporate Banking
- Fortune 100
description: 'Citigroup (Citi) is a global, diversified money-center financial services holding company headquartered in New
  York City, serving consumers, corporations, governments, and institutions across roughly 90 countries. Citi exposes public
  API access through two distinct, voluntary developer surfaces. The retail Citi Developer Hub (developer.citi.com, now consolidated
  into the Citi Partner Portal at partner.citi.com) was one of the earliest bank open-banking programs, launched in 2016,
  and documents seven core API product families: Accounts, Authorize, Customers, Money Movement, Utilities, Onboarding, and
  Pay with Points, secured with OAuth 2.0 authorization-code and consent flows against a developer sandbox. The corporate
  surface is CitiConnect, part of Treasury and Trade Solutions (TTS), which has processed more than one billion API calls
  since 2017 and exposes real-time payments, cross-border WorldLink FX, statements and reporting, request-to-pay, proof-of-payment,
  and account-balance APIs across the full TTS footprint, integrated through ERP and TMS systems with OAuth 2.0 and mutual
  TLS. As a US institution Citi participates in voluntary open finance rather than a single mandated contract: it is a co-owner
  of the Akoya data-access network and shares consumer-permissioned data under emerging FDX / CFPB Section 1033 norms. No
  public downloadable OpenAPI, Swagger, SDK, or Postman artifacts are published; documentation is HTML and partner-gated,
  so entries below are documented humanURL references without harvested machine-readable specs.'
apis:
- aid: citigroup:citi-accounts-transactions-api
  name: Citi Accounts and Transactions API
  tags:
  - Accounts
  - Balances
  - Banking
  - Statements
  - Transactions
  - United States
  - Retail Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner.citi.com/products/open-banking
  properties:
  - url: https://partner.citi.com/products/open-banking
    type: Documentation
  - url: https://sandbox.developerhub.citi.com/api/united-states/retail-bank/accounts/accounts-and-transactions/documentation
    type: SandboxDocumentation
  description: The Citi Accounts and Transactions API provides authorized third-party access to retail customer accounts,
    current and available balances, and transaction histories, enabling account-aggregation and personal financial management
    use cases. It is part of the Citi Developer Hub retail open-banking catalog. Access is granted per-customer after an OAuth
    2.0 authorization-code consent flow, with production traffic brokered through the Citi sandbox and partner onboarding
    process. No public OpenAPI or Postman collection is published; documentation is HTML-only on the Citi Partner Portal.
- aid: citigroup:citi-money-movement-api
  name: Citi Money Movement API
  tags:
  - ACH
  - Money Movement
  - Payment Initiation
  - Payments
  - Wire Transfer
  - United States
  - Retail Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner.citi.com/products/open-banking
  properties:
  - url: https://partner.citi.com/products/open-banking
    type: Documentation
  - url: https://sandbox.developerhub.citi.com/api-catalog-list
    type: APICatalog
  description: The Citi Money Movement API enables authorized payment initiation from Citi retail accounts, including domestic
    ACH, wire, and internal book transfers, on behalf of a consenting customer. It is one of the seven core products in the
    Citi Developer Hub retail catalog. Authentication uses OAuth 2.0 with strong-customer-authentication consent flows, and
    production access requires partner onboarding. Documentation is HTML-only; no downloadable OpenAPI, SDK, or Postman collection
    is publicly available.
- aid: citigroup:citi-authorize-api
  name: Citi Authorize API
  tags:
  - Authorization
  - Consent
  - OAuth
  - SCA
  - Identity
  - United States
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner.citi.com/developers
  properties:
  - url: https://partner.citi.com/developers
    type: Documentation
  - url: https://developer.citi.com/
    type: DeveloperPortal
  description: The Citi Authorize API handles the OAuth 2.0 authorization-code and customer-consent flows required for third-party
    applications to gain scoped access to a customer's Citi account data and to initiate payments. It is the security and
    consent layer underpinning the rest of the Citi Developer Hub retail catalog, issuing the access and refresh tokens consumed
    by the Accounts, Money Movement, and Customers APIs. Documentation is HTML-only on the Citi developer surface; no public
    OpenAPI is published.
- aid: citigroup:citi-customers-api
  name: Citi Customers API
  tags:
  - Customers
  - Identity
  - KYC
  - Profiles
  - United States
  - Retail Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner.citi.com/products/open-banking
  properties:
  - url: https://partner.citi.com/products/open-banking
    type: Documentation
  description: The Citi Customers API provides authorized access to retail customer profile information, including contact
    details and demographic data, for use in onboarding, personalization, and Know-Your-Customer (KYC) workflows. It is part
    of the Citi Developer Hub retail open-banking catalog and is gated behind OAuth 2.0 customer consent. Documentation is
    HTML-only on the Citi Partner Portal; no machine-readable spec is published.
- aid: citigroup:citi-onboarding-api
  name: Citi Onboarding API
  tags:
  - Account Opening
  - Customer Onboarding
  - KYC
  - Origination
  - United States
  - Retail Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner.citi.com/products/open-banking
  properties:
  - url: https://partner.citi.com/products/open-banking
    type: Documentation
  description: The Citi Onboarding API enables digital account opening, document submission, and KYC-driven origination workflows
    for onboarding new retail customers onto Citi products. It is one of the seven core products in the Citi Developer Hub
    retail catalog. Access uses OAuth 2.0 and requires partner onboarding for production use. Documentation is HTML-only;
    no downloadable OpenAPI or SDK is publicly available.
- aid: citigroup:citi-pay-with-points-api
  name: Citi Pay with Points API
  tags:
  - Loyalty
  - Pay with Points
  - Rewards
  - ThankYou Points
  - United States
  - Cards
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner.citi.com/products/open-banking
  properties:
  - url: https://partner.citi.com/products/open-banking
    type: Documentation
  description: The Citi Pay with Points API enables Citi cardholders to redeem ThankYou points and other rewards balances
    for purchases at merchant checkouts and inside partner applications. It is part of the Citi Developer Hub retail catalog
    and is one of the earliest bank rewards APIs, powering embedded points-redemption partnerships. Access uses OAuth 2.0
    customer consent; documentation is HTML-only with no public OpenAPI or Postman collection.
- aid: citigroup:citi-utilities-api
  name: Citi Utilities API
  tags:
  - FX Rates
  - Locator
  - Reference Data
  - Utilities
  - United States
  - Retail Banking
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://partner.citi.com/products/open-banking
  properties:
  - url: https://partner.citi.com/products/open-banking
    type: Documentation
  description: The Citi Utilities API provides supporting reference data such as foreign-exchange rates, branch and ATM locators,
    and cut-off times used to support transactional workflows across Citi's retail and commercial offerings. It rounds out
    the seven-product Citi Developer Hub retail catalog as the shared infrastructure and reference layer. Documentation is
    HTML-only; no public machine-readable specification is published.
- aid: citigroup:citiconnect-api
  name: CitiConnect API
  tags:
  - CitiConnect
  - Corporate Banking
  - ERP Integration
  - Treasury and Trade Solutions
  - TTS
  - Real-Time Payments
  - United States
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.citigroup.com/global/insights/citiconnect-api-portal
  properties:
  - url: https://www.citigroup.com/global/insights/citiconnect-api-portal
    type: Documentation
  - url: https://www.citigroup.com/global/businesses/services/treasury-and-trade-solutions
    type: ProductPage
  description: CitiConnect is the corporate treasury and trade integration channel within Citi's Treasury and Trade Solutions
    (TTS) business, exposing APIs for real-time payment initiation, payment status reporting, request-to-pay, direct debits,
    faster payments, and account-balance inquiry for enterprise clients connecting through ERP and TMS systems. Launched in
    late 2017, CitiConnect APIs span the full TTS footprint of 90-plus countries and have processed more than one billion
    API calls. Authentication uses OAuth 2.0 with mutual TLS. It offers complete API documentation and a functional sandbox
    to onboarded corporate clients; no public downloadable OpenAPI is available.
- aid: citigroup:citiconnect-worldlink-api
  name: CitiConnect WorldLink Payment Services API
  tags:
  - WorldLink
  - Cross-Border Payments
  - FX
  - CitiConnect
  - Treasury and Trade Solutions
  - TTS
  - United States
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.citigroup.com/global/insights/citiconnect-api-portal
  properties:
  - url: https://www.citigroup.com/global/insights/citiconnect-api-portal
    type: Documentation
  description: The CitiConnect WorldLink Payment Services API delivers cross-border, multi-currency payment capabilities within
    the CitiConnect suite, including FX rate enquiry, FX deal booking, and cross-border payment initiation with 24x7 availability.
    WorldLink lets corporate and institutional clients send payments in a wide range of currencies without maintaining local
    currency accounts. It is part of Citi's Treasury and Trade Solutions API portfolio, secured with OAuth 2.0 and mutual
    TLS, and documented in the CitiConnect developer sandbox. Documentation is partner-gated; no public OpenAPI is published.
- aid: citigroup:citiconnect-fx-api
  name: CitiConnect FX (Real-Time FX) API
  tags:
  - FX
  - Foreign Exchange
  - CitiConnect
  - Treasury and Trade Solutions
  - TTS
  - Real-Time FX
  - United States
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.citigroup.com/global/insights/citiconnect-api-portal
  properties:
  - url: https://www.citigroup.com/global/insights/citiconnect-api-portal
    type: Documentation
  description: The CitiConnect FX API provides real-time foreign-exchange information and execution for corporate treasury
    clients, supporting FX rate requests and the booking of FX contracts directly from ERP and TMS systems. It is one of the
    most-used CitiConnect data services, enabling treasurers to embed live rates and deal booking into automated workflows
    across the TTS footprint. Access uses OAuth 2.0 with mutual TLS; documentation and sandbox are provided to onboarded corporate
    clients, with no public downloadable specification.
- aid: citigroup:citiconnect-statements-reporting-api
  name: CitiConnect Statements and Reporting API
  tags:
  - Statements
  - Reporting
  - Proof of Payment
  - CitiConnect
  - Treasury and Trade Solutions
  - TTS
  - United States
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://www.citigroup.com/global/insights/citiconnect-api-portal
  properties:
  - url: https://www.citigroup.com/global/insights/citiconnect-api-portal
    type: Documentation
  description: The CitiConnect Statements and Reporting API delivers self-service reports, account statements, intraday and
    prior-day balance and transaction reporting, cut-off times, and proof-of-payment confirmation for corporate treasury clients.
    It is part of the CitiConnect data services within Citi's Treasury and Trade Solutions business, letting enterprises pull
    reconciliation and reporting data programmatically into ERP and TMS systems. Authentication uses OAuth 2.0 with mutual
    TLS; documentation is partner-gated with no public OpenAPI available.
common:
- type: Website
  url: https://www.citigroup.com
- type: DeveloperPortal
  url: https://developer.citi.com/
- type: PartnerPortal
  url: https://partner.citi.com/
- type: Documentation
  url: https://partner.citi.com/developers
- type: APICatalog
  url: https://sandbox.developerhub.citi.com/api-catalog-list
- type: CitiConnect
  url: https://www.citigroup.com/global/insights/citiconnect-api-portal
- type: GitHubOrganization
  url: https://github.com/citi
- type: LinkedIn
  url: https://www.linkedin.com/company/citigroup
- type: Blog
  url: https://www.citigroup.com/global/news
- type: InvestorRelations
  url: https://www.citigroup.com/global/investors
- type: TermsOfService
  url: https://online.citi.com/US/JRS/pands/detail.do?ID=Terms
- type: PrivacyPolicy
  url: https://online.citi.com/US/JRS/pands/detail.do?ID=PrivacyTerms
- type: Support
  url: https://online.citi.com/US/contactus.htm
- type: DomainSecurity
  url: security/citigroup-domain-security.yml
- type: Plans
  url: plans/citigroup-plans-pricing.yml
- type: RateLimits
  url: rate-limits/citigroup-rate-limits.yml
- type: FinOps
  url: finops/citigroup-finops.yml
- type: JSONLD
  url: json-ld/citigroup-context.jsonld
- type: Spectral
  url: rules/citigroup-rules.yml
- type: Authentication
  url: authentication/citigroup-authentication.yml
- type: Conformance
  url: conformance/citigroup-conformance.yml
- type: Lifecycle
  url: lifecycle/citigroup-lifecycle.yml
- type: Conventions
  url: conventions/citigroup-conventions.yml
- type: LLMsTxt
  url: llms/citigroup-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com