Citizens Financial website screenshot

Citizens Financial

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. Citizens exposes its programmable surface through the Citizens developer portal at developer.citizensbank.com, with REST APIs for deposit account and transaction data, ATM location services, and point-of-sale consumer financing through Citizens Pay. Authentication is OAuth 2.0 and the portal provides both sandbox and production environments.

Citizens Financial publishes 3 APIs on the APIs.io network: Accounts API, ATM Locations API, and Transactions API. Tagged areas include Accounts, ATMs, Banking, Open Banking, and Payments.

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

Citizens Financial’s developer surface includes authentication, developer portal, sandbox, support, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
44.4/100 developing ▼ -5.4 Agent 31/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6
AccessFreemiumSelf serve⚡ Free to try
4 APIs
AccountsATMsBankingOpen BankingPaymentsPoint of SaleTransactions

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6
Composite quality — 44.4/100 · developing
Contract Quality 17.2 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 7.9 / 20
Operational Transparency 2.7 / 13
Governance 2.5 / 12
Discoverability 7.4 / 10
Agent readiness — 31/100 · agent aware
Machine-Readable Contract 18 / 18
Agentic Access Contract 10 / 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 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: 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 4

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

Citizens Pay API

The Citizens Pay API enables merchants and partners to integrate Citizens Pay point-of-sale financing into their applications and checkout experiences. Citizens Pay provides con...

Citizens Financial Accounts API

Retrieve account information

Citizens Financial ATM Locations API

Search and retrieve ATM location data

Citizens Financial Transactions API

Retrieve transaction history

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Citizens Bank Accounts API

OPEN COLLECTION

Citizens Bank ATM Locator API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Citizens Financial Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Citizens Financial Rate Limits

2 limits

RATE LIMITS

FinOps 1

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

Citizens Financial Finops

FINOPS

Semantic Vocabularies 1

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

Citizens Financial Context

14 classes · 0 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Citizens Financial API Rules

6 rules · 4 errors 2 warnings

SPECTRAL

Security Posture 2

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

Citizens Financial Authentication

oauth2 · 1 scheme

SECURITY

Citizens Financial Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Citizens Financial Scopes

2 scopes · authorizationCode

2 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Citizens Financial Agentic Access

4 operations

4 operations · 0 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal
Portal
 Sandbox
Sandbox

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

JSONLD
JSONLD
 Spectral
Spectral

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 OAuthScopes
OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

LinkedIn
LinkedIn
 Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: citizens-financial
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Freemium · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/citizens-financial.png
name: Citizens Financial
url: https://raw.githubusercontent.com/api-evangelist/citizens-financial/refs/heads/main/apis.yml
created: '2026-03-21'
modified: '2026-05-19'
type: Index
access: 3rd-Party
position: Consumer
specificationVersion: '0.19'
tags:
- Accounts
- ATMs
- Banking
- Open Banking
- Payments
- Point of Sale
- Transactions
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. Citizens exposes its programmable surface through the Citizens developer portal at developer.citizensbank.com,
  with REST APIs for deposit account and transaction data, ATM location services, and point-of-sale consumer financing through
  Citizens Pay. Authentication is OAuth 2.0 and the portal provides both sandbox and production environments.
apis:
- aid: citizens-financial:citizens-pay-api
  name: Citizens Pay API
  tags:
  - Financing
  - Lending
  - Payments
  - Point of Sale
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  baseURL: https://api.citizenspay.com
  humanURL: https://developer-citizenspay.citizensbank.com/
  properties:
  - url: https://developer-citizenspay.citizensbank.com/
    type: Portal
  description: The Citizens Pay API enables merchants and partners to integrate Citizens Pay point-of-sale financing into
    their applications and checkout experiences. Citizens Pay provides consumer financing solutions that allow customers to
    pay over time for purchases through participating retailers.
- aid: citizens-financial:citizens-financial-accounts-api
  name: Citizens Financial Accounts API
  description: Retrieve account information
  humanURL: https://developer.citizensbank.com/
  baseURL: https://api.citizensbank.com
  tags:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/citizens-financial-accounts-api-openapi.yml
  - type: Portal
    url: https://developer.citizensbank.com/
  - type: Documentation
    url: https://developer.citizensbank.com/product/35/api/26
  - type: Documentation
    url: https://developer.citizensbank.com/
- aid: citizens-financial:citizens-financial-atm-locations-api
  name: Citizens Financial ATM Locations API
  description: Search and retrieve ATM location data
  humanURL: https://developer.citizensbank.com/
  baseURL: https://api.citizensbank.com
  tags:
  - ATM Locations
  properties:
  - type: OpenAPI
    url: openapi/citizens-financial-atm-locations-api-openapi.yml
  - type: Portal
    url: https://developer.citizensbank.com/
  - type: Documentation
    url: https://developer.citizensbank.com/product/35/api/26
  - type: Documentation
    url: https://developer.citizensbank.com/
- aid: citizens-financial:citizens-financial-transactions-api
  name: Citizens Financial Transactions API
  description: Retrieve transaction history
  humanURL: https://developer.citizensbank.com/
  baseURL: https://api.citizensbank.com
  tags:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/citizens-financial-transactions-api-openapi.yml
  - type: Portal
    url: https://developer.citizensbank.com/
  - type: Documentation
    url: https://developer.citizensbank.com/product/35/api/26
  - type: Documentation
    url: https://developer.citizensbank.com/
common:
- type: AgenticAccess
  url: agentic-access/citizens-financial-agentic-access.yml
- type: DomainSecurity
  url: security/citizens-financial-domain-security.yml
- type: Authentication
  url: authentication/citizens-financial-authentication.yml
- type: OAuthScopes
  url: scopes/citizens-financial-scopes.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/api
- type: Support
  url: https://developer.citizensbank.com/support
- type: PrivacyPolicy
  url: https://www.citizensbank.com/privacy
- type: JSONLD
  url: json-ld/citizens-financial-context.jsonld
- type: Spectral
  url: rules/citizens-financial-rules.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com