Citizens Financial Group

aid: citizens-financial-group
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
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/citizens-financial-group.png
name: Citizens Financial Group
url: https://raw.githubusercontent.com/api-evangelist/citizens-financial-group/refs/heads/main/apis.yml
created: '2026-03-23'
modified: '2026-09-05'
type: Index
access: 3rd-Party
position: Producing
specificationVersion: '0.23'
tags:
- Banking
- Buy Now Pay Later
- Financial-Services
- FDX
- Locator
- Open Banking
- Payments
tags_raw:
- Banking
- Buy Now Pay Later
- Financial Services
- FDX
- Locator
- Open Banking
- Payments
description: 'Citizens Financial Group is one of the oldest and largest financial institutions in the United States, serving
  individuals, small businesses, middle-market companies and large corporations through Citizens Bank and its subsidiaries.
  Citizens runs a public IBM API Connect developer portal at developer.citizensbank.com, with a matching sandbox at sandboxdeveloper.citizensbank.com,
  publishing twelve machine-readable contracts across four surfaces: an FDX-aligned account and statement surface, a commercial-banking
  surface (RTP and ACH payments, account validation, information reporting, internal transfer), an identity/authorize surface,
  and ATM and branch locators. The FDX Open Banking API launched in Q1 2025 gives business, commercial, wealth and private-banking
  customers one endpoint for sharing account and transaction data with authorized third parties. Access is partner-gated throughout,
  and sandbox testing is mandatory.'
apis:
- aid: citizens-financial-group:citizens-open-banking-api
  name: Citizens Open Banking API
  tags:
  - Account
  - Balances
  - FDX
  - Open Banking
  - Transaction
  tags_raw:
  - Accounts
  - Balances
  - FDX
  - Open Banking
  - Transactions
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/
  baseURL: https://api.citizensbank.com/fdx/v1.0
  properties:
  - url: https://developer.citizensbank.com/
    type: Portal
  - url: https://developer.citizensbank.com/api
    type: Documentation
  - url: https://investor.citizensbank.com/about-us/newsroom/latest-news/2025/2025-03-27.aspx
    type: PressReleases
  - url: conformance/citizens-financial-group-conformance.yml
    type: Conformance
  description: Citizens Open Banking API is the FDX-aligned API surface launched in Q1 2025 that gives business, commercial,
    wealth, and private- banking customers a single endpoint to share account balances, transactions, and other financial
    data with authorized third-party platforms. It is the program name for the /fdx/ surface; its machine-readable contracts
    are registered under the Citizens Accounts API and Citizens Statements API entries below, which is where the harvested
    FDX v1.0 and v2.1 specs live.
- aid: citizens-financial-group:citizens-accounts-api
  name: Citizens Accounts API
  tags:
  - Account
  - Balances
  - Banking
  - FDX
  - Transaction
  tags_raw:
  - Accounts
  - Balances
  - Banking
  - FDX
  - Transactions
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/product/accounts/api/70
  baseURL: https://api.citizensbank.com/fdx/v1.0
  properties:
  - url: openapi/citizens-financial-group-accounts-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-accounts-fdx-v1.json
    type: OpenAPISource
  - url: openapi/citizens-financial-group-accounts-v2-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-accounts-fdx-v2-sandbox.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-accounts-overlay.yaml
    type: Overlay
  - url: overlays/citizens-financial-group-accounts-v2-overlay.yaml
    type: Overlay
  - url: https://developer.citizensbank.com/product/accounts/api/70
    type: Documentation
  description: The Citizens Accounts API is the FDX-aligned account surface - account list, account detail, transactions,
    contact and payment networks - for authorized retrieval of Citizens Bank customer account information by third-party financial
    applications and aggregation platforms. FDX v1.0 is live in production; FDX v2.1 is published on the sandbox portal.
- aid: citizens-financial-group:citizens-statements-api
  name: Citizens Statements API
  tags:
  - Banking
  - Documents
  - FDX
  - Statements
  tags_raw:
  - Banking
  - Documents
  - FDX
  - Statements
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/product/statements/api/statements-v1
  baseURL: https://api.citizensbank.com/fdx/v1.0
  properties:
  - url: openapi/citizens-financial-group-statements-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-statements-fdx-v1.json
    type: OpenAPISource
  - url: openapi/citizens-financial-group-statements-v2-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-statements-fdx-v2-sandbox.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-statements-overlay.yaml
    type: Overlay
  - url: overlays/citizens-financial-group-statements-v2-overlay.yaml
    type: Overlay
  - url: https://developer.citizensbank.com/product/statements/api/statements-v1
    type: Documentation
  description: The Citizens Statements API enables authorized retrieval of Citizens Bank customer monthly statements for personal
    financial management and document workflows. Two operations - list an account's statements and retrieve one statement
    - published on the FDX base path in both production (v1.0) and sandbox (v2.1).
- aid: citizens-financial-group:citizens-payments-api
  name: Citizens Payments API
  tags:
  - ACH
  - Banking
  - ISO 20022
  - Payments
  - Real Time Payments
  tags_raw:
  - ACH
  - Banking
  - ISO 20022
  - Payments
  - Real Time Payments
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/product/commercial-banking/api/payments-v3
  baseURL: https://apis.citizensbank.com/v3/payments
  properties:
  - url: openapi/citizens-financial-group-payments-openapi.yml
    type: OpenAPI
  - url: openapi/_original/citizens-payments-v3.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-payments-overlay.yaml
    type: Overlay
  - url: errors/citizens-financial-group-decline-codes.yml
    type: DeclineCodes
  - url: skills/citizens-financial-group-initiate-payment.md
    type: AgentSkill
  - url: https://developer.citizensbank.com/product/commercial-banking/api/payments-v3
    type: Documentation
  - url: https://developer.citizensbank.com/content/qut/CitizensPaymentAPIUserGuide.pdf
    type: APIReference
  description: The Citizens Payments API initiates RTP and ACH payment instructions, retrieves payment status, and checks
    whether a counterparty routing number is reachable on The Clearing House RTP network before a payment is sent. Reject
    codes are ISO 20022 external status reason codes; ACH details carry Nacha standard entry class codes. No cancel, void
    or reversal operation is published on this surface.
- aid: citizens-financial-group:citizens-account-validation-api
  name: Citizens Account Validation API
  tags:
  - Account
  - Banking
  - Payments
  - Validation
  - Verification
  tags_raw:
  - Accounts
  - Banking
  - Payments
  - Validation
  - Verification
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/product/commercial-banking/api/accountvalidation-v1
  baseURL: https://apis.citizensbank.com/v1/account-validation
  properties:
  - url: openapi/citizens-financial-group-account-validation-openapi.yml
    type: OpenAPI
  - url: openapi/_original/citizens-account-validation-v1.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-account-validation-overlay.yaml
    type: Overlay
  - url: skills/citizens-financial-group-validate-payee-account.md
    type: AgentSkill
  - url: https://developer.citizensbank.com/product/commercial-banking/api/accountvalidation-v1
    type: Documentation
  - url: https://developer.citizensbank.com/content/qut/CitizensAccountValidationAPIUserGuide.pdf
    type: APIReference
  description: The Citizens Account Validation API verifies a payee's account number, routing number and beneficiary name
    before an irrevocable payment is sent, returning an account status (open, closed, unverified, incorrect, rejected, open-credits-only)
    and a name match status (full, partial, none). It is the one Citizens operation with a published unit price - $1.25 per
    successful validation - and the result may be read at most three times.
- aid: citizens-financial-group:citizens-account-transfer-api
  name: Citizens Account Transfer API
  tags:
  - Account
  - Banking
  - Cash Management
  - Payments
  - Transfer
  tags_raw:
  - Accounts
  - Banking
  - Cash Management
  - Payments
  - Transfers
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/product/commercial-banking/api/accounttransfer-v1
  baseURL: https://apis.citizensbank.com/v1/account-transfer
  properties:
  - url: openapi/citizens-financial-group-account-transfer-openapi.yml
    type: OpenAPI
  - url: openapi/_original/citizens-account-transfer-v1.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-account-transfer-overlay.yaml
    type: Overlay
  - url: skills/citizens-financial-group-transfer-between-own-accounts.md
    type: AgentSkill
  - url: https://developer.citizensbank.com/product/commercial-banking/api/accounttransfer-v1
    type: Documentation
  - url: https://developer.citizensbank.com/content/qut/CitizensAccountTransferAPIUserGuide.pdf
    type: APIReference
  description: The Citizens Account Transfer API moves funds near real-time between accounts a client already holds at Citizens.
    Single same-day transfers only - batch and future-dated transfers are not supported in this version - with a minimum amount
    of $0.01. No duplicate-key protection, status lookup or reversal operation is published on this surface.
- aid: citizens-financial-group:citizens-information-reporting-api
  name: Citizens Information Reporting API
  tags:
  - Account
  - Balances
  - Banking
  - Reporting
  - Transaction
  tags_raw:
  - Accounts
  - Balances
  - Banking
  - Reporting
  - Transactions
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/product/commercial-banking/api/informationreporting-v1
  baseURL: https://apis.citizensbank.com/v1/information-reporting
  properties:
  - url: openapi/citizens-financial-group-information-reporting-openapi.yml
    type: OpenAPI
  - url: openapi/_original/citizens-information-reporting-v1.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-information-reporting-overlay.yaml
    type: Overlay
  - url: skills/citizens-financial-group-report-balances-and-transactions.md
    type: AgentSkill
  - url: https://developer.citizensbank.com/product/commercial-banking/api/informationreporting-v1
    type: Documentation
  - url: https://developer.citizensbank.com/content/qut/CitizensInformationReportingAPIUserGuide.pdf
    type: APIReference
  description: The Citizens Information Reporting API lets an authenticated consumer retrieve the authorized account list,
    deposit account balances and transaction history for Citizens Bank checking and savings accounts. It is the only paginated
    surface Citizens publishes - required pageOffset and pageLimit on the account list, and a nextKey cursor with a 100-record
    default and a 2000-record maximum on transactions.
- aid: citizens-financial-group:citizens-authorize-api
  name: Citizens Authorize API
  tags:
  - Authentication
  - Banking
  - Identity
  - OAuth
  - Security
  tags_raw:
  - Authentication
  - Banking
  - Identity
  - OAuth
  - Security
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/product/88/api/73
  baseURL: https://api.citizensbank.com/authorize/v1.0
  properties:
  - url: openapi/citizens-financial-group-authorize-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-authorize-v1.json
    type: OpenAPISource
  - url: openapi/citizens-financial-group-authorize-v2-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-authorize-v2-sandbox.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-authorize-overlay.yaml
    type: Overlay
  - url: overlays/citizens-financial-group-authorize-v2-overlay.yaml
    type: Overlay
  - url: authentication/citizens-financial-group-authentication.yml
    type: Authentication
  - url: https://developer.citizensbank.com/product/88/api/73
    type: Documentation
  description: The Citizens Authorize API is the Citizens identity provider that authenticates a partner and grants access
    to bank resources such as accounts and transactions. The published contract declares only the token revocation endpoint;
    the token endpoint that issues the credential is documented in the PDF user guides, and no OAuth or OpenID Connect discovery
    document is served on any Citizens host. Version 1.0 is production, 2.0 is sandbox.
- aid: citizens-financial-group:citizens-atm-locator-api
  name: Citizens ATM Locator API
  tags:
  - ATM
  - Geo Search
  - Locator
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://sandboxdeveloper.citizensbank.com/product/127/api/103
  baseURL: https://sandboxapi.citizensbank.com/v1/atm-locator
  properties:
  - url: openapi/citizens-financial-group-atm-locator-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-atm-locator-v1-sandbox.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-atm-locator-overlay.yaml
    type: Overlay
  - url: skills/citizens-financial-group-find-atm-or-branch.md
    type: AgentSkill
  - url: https://sandboxdeveloper.citizensbank.com/product/127/api/103
    type: Documentation
  description: The Citizens ATM Locator API enables searching for Citizens Bank ATMs throughout the USA using zip code, street
    address, or geographical coordinates, returning location, hours of operation and whether the ATM is standalone or inside
    another entity. It is published only on the sandbox portal and is gated by a Partner-ID header rather than the OAuth flow
    the rest of the estate uses.
- aid: citizens-financial-group:citizens-branch-locator-api
  name: Citizens Branch Locator API
  tags:
  - Branch
  - Geo Search
  - Locator
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://sandboxdeveloper.citizensbank.com/product/127/api/106
  baseURL: https://sandboxapi.citizensbank.com/v1/branch-locator
  properties:
  - url: openapi/citizens-financial-group-branch-locator-openapi.yml
    type: Swagger
  - url: openapi/_original/citizens-branch-locator-v1-sandbox.json
    type: OpenAPISource
  - url: overlays/citizens-financial-group-branch-locator-overlay.yaml
    type: Overlay
  - url: https://sandboxdeveloper.citizensbank.com/product/127/api/106
    type: Documentation
  description: The Citizens Branch Locator API enables searching for Citizens Bank branches throughout the USA using zip code,
    street address, geographical coordinates or routing number. Like the ATM Locator it is published only on the sandbox portal
    and gated by a Partner-ID header.
- aid: citizens-financial-group:citizens-pay-api
  name: Citizens Pay API
  tags:
  - BNPL
  - Buy Now Pay Later
  - Citizens Pay
  - Embedded Finance
  - Lending
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://pay.citizensbank.com/
  properties:
  - url: https://pay.citizensbank.com/
    type: Website
  description: Citizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pay
    developer portal that previously exposed merchant integration, underwriting and installment-loan lifecycle APIs at developer-citizenspay.citizensbank.com
    no longer resolves (checked 2026-09-05, NXDOMAIN), and no replacement developer surface was found. No baseURL is recorded
    because Citizens publishes none; the only live Citizens Pay surface is the consumer site.
common:
- type: AgenticAccess
  url: agentic-access/citizens-financial-group-agentic-access.yml
- type: Website
  url: https://www.citizensbank.com
- type: Portal
  url: https://developer.citizensbank.com/
- type: DeveloperPortal
  url: https://developer.citizensbank.com/
- type: Documentation
  url: https://developer.citizensbank.com/api
- type: APIReference
  url: https://developer.citizensbank.com/product
- type: Sandbox
  url: https://sandboxdeveloper.citizensbank.com/
- type: Support
  url: https://developer.citizensbank.com/support
- type: HelpCenter
  url: https://www.citizensbank.com/customer-service/contact-us.aspx
- type: Login
  url: https://developer.citizensbank.com/user/login
- type: LinkedIn
  url: https://www.linkedin.com/company/rbs-citizens-financial-group
- type: InvestorRelations
  url: https://investor.citizensbank.com/
- type: PressReleases
  url: https://investor.citizensbank.com/about-us/newsroom/latest-news/2025/2025-03-27.aspx
- type: PrivacyPolicy
  url: https://www.citizensbank.com/account-safeguards/privacy.aspx
- type: TermsOfService
  url: https://www.citizensbank.com/account-safeguards/terms-of-use.aspx
- type: Authentication
  url: authentication/citizens-financial-group-authentication.yml
- type: OAuthScopes
  url: scopes/citizens-financial-group-scopes.yml
- type: Conventions
  url: conventions/citizens-financial-group-conventions.yml
- type: Idempotency
  url: conventions/citizens-financial-group-conventions.yml
- type: Conformance
  url: conformance/citizens-financial-group-conformance.yml
- type: Lifecycle
  url: lifecycle/citizens-financial-group-lifecycle.yml
- type: DataModel
  url: data-model/citizens-financial-group-data-model.yml
- type: ErrorCatalog
  url: errors/citizens-financial-group-error-codes.yml
- type: ErrorCatalog
  url: errors/citizens-financial-group-problem-types.yml
- type: DeclineCodes
  url: errors/citizens-financial-group-decline-codes.yml
- type: Plans
  url: plans/citizens-financial-group-plans-pricing.yml
- type: RateLimits
  url: rate-limits/citizens-financial-group-rate-limits.yml
- type: Sandbox
  url: sandbox/citizens-financial-group-sandbox.yml
- type: DomainSecurity
  url: security/citizens-financial-group-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/citizens-financial-group-vulnerability-disclosure.yml
- type: Security
  url: security/citizens-financial-group-vulnerability-disclosure.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/citizens-financial-group-llms.txt
- type: X-MCPServerCandidate
  url: mcp/citizens-financial-group-mcp.yml
- type: FinOps
  url: finops/citizens-financial-group-finops.yml
- type: JSONLD
  url: json-ld/citizens-financial-group-context.jsonld
- type: Spectral
  url: rules/citizens-financial-group-rules.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
x-pointer-verification:
  checked: '2026-09-05'
  method: probed
  note: Every http(s) pointer above was fetched on 2026-09-05 with a browser User-Agent, following redirects, and the body
    was read rather than trusting the status line. Four pointers carried in earlier rounds were confirmed dead and removed
    rather than left to rot.
  removed:
  - url: https://citizensbank.openbankproject.com/
    was: Open Bank Project Sandbox
    status: 0
    reason: DNS does not resolve (NXDOMAIN). The live sandbox is Citizens' own portal at sandboxdeveloper.citizensbank.com.
  - url: https://developer-citizenspay.citizensbank.com/
    was: Citizens Pay Portal
    status: 0
    reason: DNS does not resolve (NXDOMAIN). No replacement Citizens Pay developer surface was found.
  - url: https://www.citizensbank.com/customer-service/online-banking-service-agreement.aspx
    was: TermsOfService
    status: 404
    reason: Returns the Citizens 404 page. Replaced with the live Terms of Use page.
  - url: https://www.citizensbank.com/customer-service/overview.aspx
    was: Support
    status: 404
    reason: Returns the Citizens 404 page. Replaced with the developer-portal support page and the live Contact Us page.
  not_emitted:
  - surface: Blog
    url: https://developer.citizensbank.com/blog
    status: 200
    reason: Serves the portal shell reading "No blog entries have been created." A 200 with no content is not a blog.
  - surface: GitHubOrganization
    url: https://github.com/citizensbank
    status: 200
    reason: The org exists but carries no name, no description, no website and zero public repositories, so it cannot be attributed
      to Citizens Financial Group from anything it publishes.
  - surface: Postman
    status: 0
    reason: A Postman public search for "citizens bank" returned zero collections, workspaces and APIs.
  - surface: WellKnown / SecurityTxt
    reason: Every /.well-known/ path 404s or returns the portal search shell on every Citizens host. The probe is recorded
      in well-known/ and no pointer is emitted. See that file.
  - surface: AgentCard
    reason: /.well-known/agent-card.json and /.well-known/agent.json probed on all eight Citizens hosts on 2026-09-05 - 404,
      403 or connection timeout. No card is served, so nothing was written.
  - surface: SDKs / Packages
    reason: No first-party client library exists in any registry. packages/ records the zero and no SDKs pointer is emitted.
  - surface: StatusPage / Deprecation / ChangeLog
    reason: Citizens publishes no status page, deprecation policy or changelog. lifecycle/ records the probes and no pointer
      is emitted for any of them.
  - surface: Compliance
    reason: No trust center or named certification (SOC 2 / ISO 27001 / PCI) is published. FDIC membership and Federal Reserve
      / OCC supervision are not an API compliance program.
x-enrichment:
  date: '2026-09-05'
  status: enriched
  artifacts_added: 14
  pass: local-v3