Column NA Member FDIC

Move, hold, and
lend USD at scale

The only nationally chartered bank designed to help you build and fund new financial products

curl 'https://api.column.com/transfers/

Operating AccountNew York, NY

$10,293.29 USD

John DoeLondon, UK

£9,102.07 GBP

Completed

International Wire

Outgoing

{
  "account_number_id": "acno_2F37RhDUnWtB4GD9JXQEDYu7YAY",
  "allow_overdraft": false,
  "amount": 1029329,
  "bank_account_id": "bacc_2F37RbG3NZAr7Yn2d1i5hITz9O4",
  "beneficiary_account_number": "10293297890",
  "beneficiary_address": {
    "city": "London",
    "country_code": "GB",
    "line_1": "123 Threadneedle Street",
    "line_2": "",
    "postal_code": "EC2R 8AH",
    "state": ""
  },
  "beneficiary_fi": "HBUKGB4B",
  "beneficiary_name": "John Doe",
  "charge_bearer": "SHAR",
  "charges": null,
  "completed_at": null,
  "counterparty_id": "cpty_2ESSJPnpof38GraQR5C6EnfFGKw",
  "created_at": "2025-10-26T21:55:31Z",
  "currency_code": "USD",
  "description": "Swift transfer with GBP",
  "end_to_end_id": "",
  "fx_quote_id": "fxqt_2F3BY6XCpKQUy5cGCqPgLf3Kit7",
  "fx_rate": "6.872100000",
  "id": "swft_2F3BYA9aMdHag8iUtsDE8ji0KOK",
  "idempotency_key": null,
  "initiated_at": "2025-10-26T21:55:31Z",
  "instructed_amount": 1029329,
  "instructed_currency_code": "GBP",
  "instruction_id": "XF7MBKI09TUNZXIL",
  "instruction_to_beneficiary_fi": "please contact with the beneficiary before releasing the funds",
  "is_incoming": false,
  "manual_review_at": null,
  "originator_account_number": "366763686659680",
  "originator_address": {
    "city": "San Francisco",
    "country_code": "US",
    "line_1": "12345 Mission St.",
    "line_2": "",
    "postal_code": "94016",
    "state": "CA"
  },
  "originator_fi": "CLNOUS66",
  "originator_name": "Alice Grant",
  "pending_submission_at": "2025-10-26T21:55:32Z",
  "raw_message": null,
  "remittance_info": {
    "general_info": ""
  },
  "return_reason": null,
  "returned_amount": null,
  "returned_at": null,
  "returned_currency_code": null,
  "settled_amount": 1029329,
  "settled_currency_code": "GBP",
  "settlement_date": "2025-10-27",
  "status": "submitted",
  "submitted_at": "2025-10-26T21:59:16Z",
  "uetr": "d6e4313a-e186-4b21-83a5-43fa4cbaa38e",
  "ultimate_beneficiary_address": null,
  "ultimate_beneficiary_name": "",
  "ultimate_originator_address": null,
  "ultimate_originator_name": "",
  "updated_at": "2025-10-26T22:09:18Z"
}

Moving hundreds of billions a month for the world's most sophisticated tech companies and financial institutions.

As the banking backbone for the most technically advanced companies, we provide speed and control through our advanced regulated infrastructure.

$2T+

Annual transaction volume

99.999%

Uptime, highest of any bank

No. 1

Issuer of real-time
payments in the US

$100B+

International payments
processed annually

Operating Account••• 9921

$12,340,111.89USD

Operating Account••• 9921

-$48,920.21 USD

Payroll Clearing••• 7310

$48,920.21 USD

Operating Account••• 9921

-$4,250.00 USD

Reserve Account••• 5580

€4,240.00 EUR

Brex uses Column as the banking layer behind a business spend platform

Bank Accounts

Domestic Payments

International Payments

No one comes close to Column’s level of technical infrastructure.

Pedro Franceschi, Founder and CEO, Brex

Operating Account••• 9957

-$12,291.00 USD

Settlement Account••• 4124

$12,291.00 USD

Operating Account••• 9957

-$8,450.00 USD

Vendor (EUR)••• 4421

€8,210.00 EUR

Mace Montana

Mercury uses Column to build modern personal and business banking

Bank Accounts

Domestic Payments

International Payments

Card Programs

Our engineers love their platform. It’s great to have a partner like Column that moves and ships as fast as us.

Immad Akhund, Co-founder & CEO, Mercury

Operating Account••• 9957

-$8,450.00 USD

Vendor (EUR)••• 4421

€8,210.00 EUR

Mace Montana

Ramp uses Column to issue and manage corporate cards in certain international markets

International Payments

Card Programs

It’s mission critical that partners move at our speed and Column has delivered.

Eric Glyman, CEO, Ramp

Linda Hawthorne

$20,203.23

Debt consolidation5-year term

Jacob Raye

$20,203.23

Credit card refinancingJun 10, 2025

Audrey Martell

$8,871.72

Home improvement3-year term

Best Egg partners with Column to scale personal loans

Lending

Credit Origination

Column’s modern platform empowers Best Egg to scale and better serve consumers seeking flexible financial solutions.

Paul Ricci, CEO, Best Egg

Request

curl 'https://api.column.com/tra

$3,923.70

ACH

Outgoing

Submitted

Column NASender

Chase AccountReceiver

Response

1{
2  "id": "acht_2HKbYE2th2sFioBxrRFOZL3IHR4",
3  "iat": null,
4  "type": "CREDIT",
5  "amount": 392370,
6  "status": "SUBMITTED",
7  "counterparty_id": "cpty_1vWeqakwT2N7NYRtZkUPSBt4scn",
8  "company_name": "COLUMN NA",
9  "is_on_us": false,
10  "same_day": false,
11  "company_id": "9959349647",
12  "created_at": "2022-11-09T23:32:47Z",
13  "settled_at": null,
14  "updated_at": "2022-11-09T23:32:48Z",
15  "description": "",
16  "is_incoming": false,
17  "receiver_id": "",
18  "returned_at": null,
19  "cancelled_at": null,
20  "completed_at": null,
21  "effective_on": "2022-11-10T08:00:00Z",
22  "initiated_at": "2022-11-09T23:32:47Z",
23  "nsf_deadline": null,
24  "submitted_at": "2022-11-09T23:32:48Z",
25  "trace_number": "121145300000005",
26  "currency_code": "USD",
27  "receiver_name": "CHASE ACCOUNT",
28  "return_details": [],
29  "acknowledged_at": null,
30  "allow_overdraft": false,
31  "bank_account_id": "bacc_2HKbY4W10hcBQBx5r42xMDEhv2K",
32  "counterparty_id": "cpty_2HKbYBePtS8z3zK32QvwKlIoIeK",
33  "idempotency_key": "",
34  "entry_class_code": "PPD",
35  "manual_review_at": null,
36  "account_number_id": "acno_2HKbY3eq0gPP1WaQLZShDk87JC4",
37  "funds_availability": "default",
38  "odfi_routing_number": "121145307",
39  "return_contested_at": null,
40  "payment_related_info": "payment addenda for COR testing",
41  "return_dishonored_at": null,
42  "return_dishonored_funds_unlocked_at": null,
43  "notification_of_changes": null,
44  "company_entry_description": "PAYMENT",
45  "reversal_pair_transfer_id": "",
46  "company_discretionary_data": "",
47  "ultimate_beneficiary_counterparty_id": "",
48  "ultimate_originator_counterparty_id": ""
49}

The only bank built from the ground up for developers

Column was built by engineers to solve our own frustrations from working with existing banks.

Close to the metal

We built our core, ledger, and tech stack from scratch. We run our own dedicated hardware that connects to the Federal Reserve, TCH, and Swift to give you granular control and freedom from vendors and middleware.

Scale for every size

We move at your speed and speak your language. Column is the only bank with the technology, experience, and balance sheet to grow with you through any stage: from seed-stage fintech to global financial institution.

Flexible building blocks built on USD

Unlike existing banks, Column was built from day one to provide you with fast, programmable infrastructure for the dollar. Our built from scratch technology allows you to build the product you want.

Company

Column

Middleware providers

Core systems

Sponsor banks

Federal Reserve

Payments products

Leverage Column's direct connections to the Federal Reserve, The Clearing House, Swift, and card networks. Pull and push money to any bank account in the United States or globally.

curl 'https://api.column.com/transfers/ach' \
  -XPOST \
  -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
  -d type=DEBIT \
  -d description='Invoice #47234' \
  -d amount=850000 \
  -d currency_code=USD \
  -d counterparty_id=cpty_34ZiBo4qkLiN8VKyM908aRwyA4b \
  -d bank_account_id=bacc_GClcSnn7DY5FXyvH6W34ZiBnuUc

$3,923.70

ACH

Outgoing

Completed

DescriptionVisa Settlement

Routing Number121145307

Account Number••••• 9957

ACH

Wire

Intl Wire

Realtime

Bank Accounts

Instantly spin up flexible checking, savings, trust, subledger, clearing, and sweep accounts. Use one or millions of account numbers to point to a single account. Programmatically create disposable accounts. All FDIC-insured.

curl 'https://api.column.com/bank-accounts' \
  -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
  -d description="Travel Checking" \
  -d entity_id=enti_1vWeqakwT2N7NYRtZkUPSBt4scn

Tax Reserve Account

$1,249,133.61

Overdraftable

$10,038.23

ACH

12 mins ago

$25,450.00

Wire

1 hr ago

$5,200.15

Check

2 hrs ago

$15,750.80

Book Transfer

3 hrs ago

$8,920.45

ACH

4 hrs ago

$32,100.00

International Wire

5 hrs ago

$3,450.75

Realtime

6 hrs ago

$10,038.23

ACH

12 mins ago

$25,450.00

Wire

1 hr ago

$5,200.15

Check

2 hrs ago

$15,750.80

Book Transfer

3 hrs ago

$8,920.45

ACH

4 hrs ago

$32,100.00

International Wire

5 hrs ago

$3,450.75

Realtime

6 hrs ago

$10,038.23

ACH

12 mins ago

$25,450.00

Wire

1 hr ago

$5,200.15

Check

2 hrs ago

$15,750.80

Book Transfer

3 hrs ago

$8,920.45

ACH

4 hrs ago

$32,100.00

International Wire

5 hrs ago

$3,450.75

Realtime

6 hrs ago

$18,250.00

Wire

15 mins ago

$7,890.30

ACH

45 mins ago

$42,100.00

International Wire

1 hr ago

$3,200.75

Check

2 hrs ago

$12,450.00

Book Transfer

3 hrs ago

$6,780.90

Realtime

4 hrs ago

$29,500.00

Wire

5 hrs ago

$18,250.00

Wire

15 mins ago

$7,890.30

ACH

45 mins ago

$42,100.00

International Wire

1 hr ago

$3,200.75

Check

2 hrs ago

$12,450.00

Book Transfer

3 hrs ago

$6,780.90

Realtime

4 hrs ago

$29,500.00

Wire

5 hrs ago

$18,250.00

Wire

15 mins ago

$7,890.30

ACH

45 mins ago

$42,100.00

International Wire

1 hr ago

$3,200.75

Check

2 hrs ago

$12,450.00

Book Transfer

3 hrs ago

$6,780.90

Realtime

4 hrs ago

$29,500.00

Wire

5 hrs ago

$22,800.00

ACH

8 mins ago

$9,450.75

Wire

25 mins ago

$16,300.00

Check

1 hr ago

$28,750.50

Book Transfer

2 hrs ago

$11,200.00

ACH

3 hrs ago

$35,600.00

International Wire

4 hrs ago

$4,890.25

Realtime

5 hrs ago

$22,800.00

ACH

8 mins ago

$9,450.75

Wire

25 mins ago

$16,300.00

Check

1 hr ago

$28,750.50

Book Transfer

2 hrs ago

$11,200.00

ACH

3 hrs ago

$35,600.00

International Wire

4 hrs ago

$4,890.25

Realtime

5 hrs ago

$22,800.00

ACH

8 mins ago

$9,450.75

Wire

25 mins ago

$16,300.00

Check

1 hr ago

$28,750.50

Book Transfer

2 hrs ago

$11,200.00

ACH

3 hrs ago

$35,600.00

International Wire

4 hrs ago

$4,890.25

Realtime

5 hrs ago

Bank Accounts

Book Transfers

Card programs

Manage and scale your own card program to optimize interchange and credit revenue. Launch a debit, credit, unsecured, charge, or secured card program. Bring your own balance sheet or utilize ours.

curl 'https://api.column.com/transfers/book' \
  -d amount=10000 \
  -d currency_code="USD" \
  -d sender_bank_account_id="bacc_uUcGCl3cSnn7DY4ZiBn5FXyvH6W" \
  -d receiver_bank_account_id="bacc_lcSnuUnn7DY34ZiB5FXyvHcGC6W" \
  -d description='NeoBankCo Visa Debit Settlement Account'

4081Virtual Card

Mickey Morelli

Card Programs

Book Transfers

Loan Origination

Lending

Expand your program nationally with credit origination, warehouse, and forward flow facilities. Grow originations faster with dedicated Column funding from day one.

curl 'https://api.column.com/loans' \
  -u :prod_1vWeqakwT2N7NYRtZkUPSBt4scn \
  -d description='Card receivables warehouse' \
  -d currency=USD \
  -d entity_id=enti_25n5phSY8StZxU4C2Y7gAREGUdB \
  -d is_revolving=true \
  -d maturity_date=2025-10-10 \
  -d max_principal_balance=75000000

Loan Origination

Debt Financing

Loan Purchase

$3,923.70

ACH

Outgoing

Completed

DescriptionVisa Settlement

Routing Number121145307

Account Number••••• 9957

ACH

Wire

Intl Wire

Realtime

Build financial products that scale with your business. Column provides the banking infrastructure that powers the next generation of fintech applications, from payment processing to lending platforms.

Technology companies need banking infrastructure that's as flexible and scalable as their codebase. Column's APIs enable you to embed banking directly into your applications, offering everything from real-time payments to programmable bank accounts. Whether you're building a neobank, payment processor, or lending platform, Column provides the foundation you need to focus on your core product.

Building blocks for the future
of financial products

Start building today

Build your own products, on your terms, without layers in between.

Documentation

Explore our APIs

Get started

Quickly get up to speed

Contact sales

Come and say hello

ACH

Wire

Book Transfers

Ledger

Bank Accounts

Card Programs

Checks

Realtime

International Wires

Loan Origination

Debt Financing

Loan Purchase

Documentation

Sandbox and Testing

Data models

ACH

Wire

Book Transfers and Holds

Checks

International Wires

Getting Started

Use case guides

Changelog

Status

Move, hold, and lend USD at scale

Moving hundreds of billions a month for the world's most sophisticated tech companies and financial institutions.

-$48,920.21 USD

$48,920.21 USD

-$4,250.00 USD

€4,240.00 EUR

Brex uses Column as the banking layer behind a business spend platform

-$12,291.00 USD

$12,291.00 USD

-$8,450.00 USD

€8,210.00 EUR

Mercury uses Column to build modern personal and business banking

-$8,450.00 USD

€8,210.00 EUR

Ramp uses Column to issue and manage corporate cards in certain international markets

Best Egg partners with Column to scale personal loans

Request

$3,923.70

Response

The only bank built from the ground up for developers

Close to the metal

Scale for every size

Flexible building blocks built on USD

Payments products

$3,923.70

Bank Accounts

Tax Reserve Account

$1,249,133.61

Card programs

Lending

Business Loan

$1,000,000.00

Term Loan

$2,000,000.00

Line of Credit

$3,000,000.00

Bridge Loan

$4,000,000.00

Equipment Finance

$5,000,000.00

Business Loan

$1,000,000.00

$3,923.70

Building blocks for the future of financial products

Lightweight payments & deposit products

Flexible card products for your program

Scale lending programs faster and cheaper

Start building today

Documentation

Get started

Contact sales

Products

Developers

Company

Move, hold, and
lend USD at scale

Building blocks for the future
of financial products

Lightweight payments &
deposit products

Flexible card products for
your program

Scale lending programs
faster and cheaper