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Multicurrency

Many currencies, one platform

Local rails, instant FX, and Column APIs for euros, pounds, Canadian dollars, and many more.

Read the blog post Documentation

Local accounts,
local rails

Receive, hold, and send money in foreign currencies — with real local accounts. A UK sort code & account number on Faster Payments. An IBAN on SEPA Instant. Payments settle like a transfer from any other local business on the receiving end.

Funds sit in individual accounts with a real IBAN or account number in your customer's name — never pooled. Cleaner reconciliation and true ownership of funds.

180+

Countries

130+

Currencies

Create GBP and EUR accounts

curl 'https://api.column.com/bank-accounts' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d entity_id=enti_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d currency_code=GBP   # Sort code & account number, Faster Payments

curl 'https://api.column.com/bank-accounts' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d entity_id=enti_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d currency_code=EUR   # IBAN, SEPA Instant

Instantly available and ready to send and receive within the region — no complicated integrations.

Same dashboard and APIs as your existing dollar business on Column.

FX built into the bank

An American business collecting euros and paying euros shouldn't have to convert twice and pay the spread both ways. Hold the currency in your own named account — and when you do want dollars, convert instantly, 24/7/365, never waiting on banking hours.

Receive €
Your € accountUnique account number
Pay € out
No FX risk — euros remain euros

Convert EUR to USD — instant, around the clock

curl 'https://api.column.com/transfers/currency-conversions' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -H "Idempotency-Key: conv_eur_usd_2026-06-30" \
    -d sender_account_id=bacc_2d1EURwineOperating \
    -d receiver_account_id=bacc_2d1USDwineOperating \
    -d sell_currency=EUR \
    -d sell_amount=1845000

Instant conversions that settle 24/7/365 — get paid in euros, spend in dollars whenever you need to.

Chain it with any Column product

# SEPA pay-in webhook → FX conversion → USDC payout
curl 'https://api.column.com/transfers/crypto' \
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d bank_account_id=bacc_2d1USDwineOperating \
    -d amount=500000 \
    -d currency_code=USDC \
    -d network=solana \
    -d destination_address="9xQeWvG8...VFin"

One balance, one ledger, one software stack — SEPA to FedNow to stablecoins to cards.

One balance, one ledger

Every currency you hold settles to a single balance on a single ledger. Convert funds the moment they land, then route them over any rail — domestic real-time payments, on-chain transfers, or a local-currency account backing a card.

No pooled accounts and no reconciliation across providers — one set of APIs, end to end.

€ in over SEPA InstantSaturday, 9 PM
Instant FX — one balance
FedNow payout
USDC transfer
SGD card funding
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.
Henrique DubugrasCo-Founder and Co-CEO, Brex

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.

Learn more

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.

Learn more

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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Start building today

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

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