Citizens Financial Group website screenshot

Citizens Financial Group

Citizens Financial Group is one of the oldest and largest financial institutions in the United States, providing retail and commercial banking products and services to individuals, small businesses, middle-market companies, and large corporations through Citizens Bank and its subsidiaries. Citizens exposes a public developer portal at developer.citizensbank.com with REST APIs for accounts, statements, branch and ATM lookup, and a sandbox powered by the Open Bank Project. In 2025 Citizens launched a new FDX-aligned Open Banking API providing business, commercial, wealth, and private-banking customers with a single endpoint for sharing account, balance, and transaction data with authorized third parties. A separate Citizens Pay developer portal exposes Buy-Now-Pay-Later integration APIs.

Citizens Financial Group publishes 6 APIs on the APIs.io network. Tagged areas include Banking, Buy Now Pay Later, Financial Services, FDX, and Locator.

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

Citizens Financial Group’s developer surface includes developer portal, sandbox, support, and 11 more developer resources.

🌐 Visit website 📡 Source on GitHub
29.3/100 thin ▼ -5.5 Agent 3/100 human only Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreemium
6 APIs
BankingBuy Now Pay LaterFinancial ServicesFDXLocatorOpen BankingPayments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 29.3/100 · thin
Contract Quality 3.2 / 25
Developer Ergonomics 3.9 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 4.1 / 13
Governance 2.5 / 12
Discoverability 6.5 / 10
Agent readiness — 3/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
MCP Server 0 / 12
Machine-Readable Auth 0 / 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 0 / 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/citizens-financial-group: 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 6

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

Citizens Open Banking API

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 a...

Citizens Accounts API

The Citizens Accounts API enables authorized retrieval of Citizens Bank customer account and transaction information for use in third-party financial applications and aggregatio...

Citizens Statements API

The Citizens Statements API enables authorized retrieval of Citizens Bank customer monthly statements for personal financial management and document workflows.

Citizens ATM Locator API

The Citizens ATM Locator API enables searching for Citizens Bank ATMs throughout the USA using zip code, street address, or geographical coordinates.

Citizens Branch Locator API

The Citizens Branch Locator API enables searching for Citizens Bank branches throughout the USA using zip code, street address, or geographical coordinates.

Citizens Pay API

Citizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pay developer portal exposes APIs for merchant integration, underwriting...

Pricing Plans 1

Published pricing tiers and plan structures.

Citizens Financial Group Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Citizens Financial Group Rate Limits

3 limits

RATE LIMITS

FinOps 1

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

Citizens Financial Group Finops

FINOPS

Semantic Vocabularies 1

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

Citizens Financial Group Context

18 classes · 0 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Citizens Financial Group API Rules

6 rules · 3 errors 3 warnings

SPECTRAL

Security Posture 1

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

Citizens Financial Group Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

Portal
Portal
 Sandbox
Sandbox
 Open Bank Project Sandbox
Open Bank Project Sandbox
 Citizens Pay Portal
Citizens Pay Portal

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

JSONLD
JSONLD
 Spectral
Spectral

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 3

The organization behind the API

LinkedIn
LinkedIn
 Website
Website
 Investor Relations
Investor Relations

Other 1

Properties that don't map to a standard resource type

Open Banking Announcement
Open Banking Announcement

Source (apis.yml)

apis.yml Raw ↑ 
aid: citizens-financial-group
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: '2026-04-23'
type: Index
access: 3rd-Party
position: Consumer
specificationVersion: '0.19'
tags:
- 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, providing
  retail and commercial banking products and services to individuals, small businesses, middle-market companies, and large
  corporations through Citizens Bank and its subsidiaries. Citizens exposes a public developer portal at developer.citizensbank.com
  with REST APIs for accounts, statements, branch and ATM lookup, and a sandbox powered by the Open Bank Project. In 2025
  Citizens launched a new FDX-aligned Open Banking API providing business, commercial, wealth, and private-banking customers
  with a single endpoint for sharing account, balance, and transaction data with authorized third parties. A separate Citizens
  Pay developer portal exposes Buy-Now-Pay-Later integration APIs.
apis:
- aid: citizens-financial-group:citizens-open-banking-api
  name: Citizens Open Banking API
  tags:
  - 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/
  properties:
  - url: https://developer.citizensbank.com/
    type: Documentation
  - url: https://investor.citizensbank.com/about-us/newsroom/latest-news/2025/2025-03-27.aspx
    type: Announcement
  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.
- aid: citizens-financial-group:citizens-accounts-api
  name: Citizens Accounts API
  tags:
  - Accounts
  - Balances
  - Banking
  - Transactions
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/api
  properties:
  - url: https://developer.citizensbank.com/api
    type: Documentation
  description: The Citizens Accounts API enables authorized retrieval of Citizens Bank customer account and transaction information
    for use in third-party financial applications and aggregation platforms.
- aid: citizens-financial-group:citizens-statements-api
  name: Citizens Statements API
  tags:
  - Banking
  - Documents
  - Statements
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developer.citizensbank.com/api
  properties:
  - url: https://developer.citizensbank.com/api
    type: Documentation
  description: The Citizens Statements API enables authorized retrieval of Citizens Bank customer monthly statements for personal
    financial management and document workflows.
- 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://developer.citizensbank.com/
  properties:
  - url: https://developer.citizensbank.com/
    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.
- 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://developer.citizensbank.com/
  properties:
  - url: https://developer.citizensbank.com/
    type: Documentation
  description: The Citizens Branch Locator API enables searching for Citizens Bank branches throughout the USA using zip code,
    street address, or geographical coordinates.
- 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://developer-citizenspay.citizensbank.com/
  properties:
  - url: https://developer-citizenspay.citizensbank.com/
    type: Documentation
  description: Citizens Pay is the buy-now-pay-later embedded financing platform offered by Citizens Bank. The Citizens Pay
    developer portal exposes APIs for merchant integration, underwriting, and installment-loan lifecycle management.
common:
- type: DomainSecurity
  url: security/citizens-financial-group-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/rbs-citizens-financial-group
- type: Website
  url: https://www.citizensbank.com
- type: Portal
  url: https://developer.citizensbank.com/
- type: Sandbox
  url: https://sandboxdeveloper.citizensbank.com/
- type: Open Bank Project Sandbox
  url: https://citizensbank.openbankproject.com/
- type: Citizens Pay Portal
  url: https://developer-citizenspay.citizensbank.com/
- type: Investor Relations
  url: https://investor.citizensbank.com/
- type: Open Banking Announcement
  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/customer-service/online-banking-service-agreement.aspx
- type: Support
  url: https://www.citizensbank.com/customer-service/overview.aspx
- 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