Column | The platform bank built for scale

Move, hold, and lend the dollar at scale

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

curl 'https://api.column.com/transfers/international-wire'\
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d message_to_beneficiary_bank="please contact with the beneficiary before releasing the funds" \
    -d "remittance_info[general_info]"="downpayment for mortgage ID 123546" \
    -d amount=392370029 \
    -d currency_code="GBP" \
    -d bank_account_id=bacc_1vWeqakwT2N7NYRtZkUPSBt4scn

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"
}

Trusted at scale

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.

$4.5T+

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

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••• 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

Request

curl 'https://api.column.com/transfers/ach'\
    -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d counterparty_id=cpty_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d bank_account_id=bacc_1vWeqakwT2N7NYRtZkUPSBt4scn \
    -d amount=392370029 \
    -d description="Visa Settlement"

$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}

Developer first

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.

Infrastructure

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.

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 :live_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

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' \
  -XPOST \
  -u :live_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

$28,750.50

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' \
  -XPOST \
  -u :live_1vWeqakwT2N7NYRtZkUPSBt4scn \
  -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

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' \
  -XPOST \
  -u :live_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

Column for

Technology companies
US Banks
International Banks
Real Estate

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.

Products

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](https://docs.column.com/)

[**Get started**
Quickly get up to speed](https://docs.column.com/guides/getting-started)

[**Contact sales**
Come and say hello](https://dashboard.column.com/contact)

Move, hold, and lend the dollar at scale

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

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

-$48,920.21 USD

$48,920.21 USD

-$4,250.00 USD

€4,240.00 EUR

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

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