Transaction bank tracked in the Embedded Finance Index. Named by 4 companies, most often as their fx & payouts. Sells embedded finance as Citi Banking as a Service.
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4 companies name Citibank in their stack. The most common role is fx & payouts (2). A company can use the same bank for more than one thing. Compare it with what Citibank says it sells, below.
Citi Services sells embedded finance as platform plays for e-commerce companies, fintechs and marketplaces, built on virtual accounts. It pairs them with Spring by Citi and Payments Express so a platform can accept, hold and pay out funds with one bank, and says the model is designed not to compete with its clients' core business.
“Citi's BaaS solution transforms banking relationships into strategic collaboration, providing businesses with the financial tools and global expertise needed to thrive in an evolving digital landscape.”services.citi.com ↗
Other banks named for FX / Payouts in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #68 of 179 in FX / Payouts — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/citibank/install" width="1" height="1" alt="" style="display:none">4 companies are linked to Citibank in the Embedded Finance Index 2026, through their own public disclosures or Citibank's published customer list, including PayU, Papaya Global, Citi and Macy's.
Citibank is a transaction bank. Companies in the Embedded Finance Index 2026 name it as their fx & payouts (2), banking-as-a-service (1) and card issuer (1).
Yes, as Citi Banking as a Service. Citi Services sells embedded finance as platform plays for e-commerce companies, fintechs and marketplaces, built on virtual accounts. It pairs them with Spring by Citi and Payments Express so a platform can accept, hold and pay out funds with one bank, and says the model is designed not to compete with its clients' core business.
The most-named FX / Payouts alternatives to Citibank are Banking Circle (12 buyers), JPMorgan (7 buyers), Deutsche Bank (4 buyers), Citi (3 buyers), ClearBank (2 buyers) and Column Bank (2 buyers).
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