Introduction
Build personal banking experiences on Citi’s consumer platform — accounts, cards, payments, lending, and digital banking.
Overview
The Citi Consumer APIs let you build modern, personalized banking experiences for individuals and households. Whether you are embedding balances into a budgeting app, letting customers send money to friends, or originating a personal loan, our APIs give you secure, real-time access to the products your customers use every day.
Everything you see in these guides is organized around the way people actually bank: their accounts, their cards, how they move money, how they borrow, and how they stay in control through digital banking.
This is demo documentation. All products, endpoints, and examples are fictional and for illustration only.
What you can build
How to get started
Get your credentials
Register your application to receive a client ID and secret for the sandbox environment.
Request an access token
Exchange your credentials for an OAuth 2.0 access token. See the Authentication guide for the full flow.
Environments
Start every integration in the sandbox. Production access is granted after you complete security review and certification.