Global Banking
US banking, global reach
Issue US dollar — or local currency — accounts and cards to verified customers anywhere in the world, on the same infrastructure and compliance tooling you use domestically.
Take your product global
Businesses all over the world need access to the US dollar for commerce. Think of a Colombian coffee exporter selling into the US — they need to get paid in dollars. Historically that meant stitching together multiple vendors, or going without.
Column already moves hundreds of billions of dollars a year across borders. Now you can open US accounts for verified non-US individuals and businesses — whether you're building for people, businesses, or autonomous agents.
All accounts are insured by the FDIC
Open a US account for a non-US resident
One partner, one integration — no stitching together local vendors in every market.
Backed by Column's infrastructure and data for onboarding and monitoring global customers.
US cards or local cards —
your customer's choice
Issue dollar-denominated, local currency, or stablecoin-backed cards for global spend, wherever your customers are. Your customers may live across the world — their employee bases may span continents. Bank them all.
Issue a USD card for global spend
Dollar-denominated cards work everywhere your customers do.
Or a local-currency card
Pair with multicurrency accounts to pre-fund balances and authorize spend in local currency.
Works like every
other account
Global accounts are first-class Column accounts. Fund them from any domestic account over any rail, convert currency in place, and attach cards that spend anywhere — all on one ledger.
Pay a supplier abroad and let them spend the funds at home on a Column card — with no correspondent bank in between.
We know the ecosystem very well and Column provides the speed, flexible account model and API-first approach that no one else can. These aspects are essential to building certain products that power our customers’ growth.
Infrastructure products built for
developers in the lightest format possible
ACH
Originate ACH credits and debits with a single API request. Utilize all five settlement windows, configure every NACHA option and control every step.
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Wire
Transfer funds immediately to any bank account through FedWire via API. Receive domestic and international wires with instant updates and all the raw data.
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Book Transfers
When you own both accounts at Column, transfers are real-time every second of the day.
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Ledger
Ledger each transaction automatically onto our system of record. Complete visibility and full banking functionality with the ease of an API.
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Bank Accounts
Spin up programmable and scalable FDIC insured bank accounts for your customers in one API call. All from our robust, easy to use developer platform.
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Card Programs
Build a customized card program that fits your stage. With a dedicated BIN and the choice of issuing processors, you maintain control.
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Checks
Take full control of the end to end check flows. From RDC to checkbooks to positive-pay, we allow you to build your optimal check flow and own the entire process.
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Realtime
New real-time payment rails from The Clearing House and Federal Reserve. Instant, transparent, and available 24/7/365.
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International Wires
Direct access to Swift and international routing. Send money to over 180 countries in a single API call — with full transparency.
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Stablecoins
Send, receive, and hold stablecoins just like any other payment rail. Fully interoperable with the dollar and every US payment rail — instant, 24/7.
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Card Issuing
Launch credit and debit programs on Visa and Mastercard with Column as the issuing bank, the issuer processor, and the capital. No third parties, no middleware.
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Global Banking
Issue US accounts and cards to people and businesses anywhere in the world — regardless of citizenship or location.
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Multicurrency
Receive, hold, and send euros, pounds, Canadian dollars, and more. Instant FX and local payment rails — on the same Column APIs you already use.
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Lending products for companies to scale lending programs faster and cheaper
Loan Origination
Build a modern national lending program in partnership with Column.
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Debt Financing
Grow your lending program more efficiently with Column capital, whether you are at scale or on your way.
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Loan Purchase
Programmatically sell the loans you originate to Column.
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