Citigroup

Universal bank · New York, United States

Citigroup is a US G-SIB with USD 2.62 trillion in assets, about 229,000 employees and a physical presence in 90+ markets. Its Services division runs cash management, payments, trade and securities services for roughly 19,000 institutional clients, moving close to USD 6 trillion a day. Between 2021 and 2025 it exited consumer banking in 13 Asian and European markets plus Mexico and UK retail, so small-business accounts exist only in its US branch states. CitiBusiness Streamlined Checking costs USD 15 a month, waived at a USD 5,000 balance. Citi Token Services moves tokenized deposits 24/7 and bitcoin custody for institutions is planned for late 2026.

Legal name: Citigroup Inc.
Regulated by: Federal Reserve (US), OCC (US), FDIC (US), CFPB (US), PRA/FCA (UK), Central Bank of Ireland (Citibank Europe plc), HKMA, MAS
Licence confirmed: yes, on a regulator's own list
Established: 1998
Website: www.citigroup.com

Scores, 0 to 10

9.5Trade, manufacturing & import-export

Trade and Working Capital Solutions is one of five Services business lines delivered across a 90+ market network. · source

9.0United States

National bank with online CitiBusiness checking, but small-business accounts are offered only in the states where Citi has branches. · source

9.0Cross-border payments, FX and multi-currency accounts

Cross-border payments across 50+ markets on the 24/7 USD clearing rail and a network in 180+ countries and jurisdictions. Services division provides liquidity management, payments, trade and working capital for 19,000 institutional clients moving close to USD 6 trillion a day. · source

8.5Asia-Pacific (SG, HK, AU, JP, KR)

Corporate presence across Singapore, Hong Kong, Japan, Korea and Australia remains after consumer exits, with Citi Token Services live with SCB and OCBC. · source

8.5Financial strength & stability

G-SIB with Aa3/A+/AA- bank ratings, but the holding company is BBB+ at S&P and the October 2020 Federal Reserve and OCC consent orders on risk management were still in force in 2026. · source

8.0Europe (EU, EEA, Switzerland)

Citibank Europe plc in Dublin is rated Aa3/A+/AA- and Citi keeps corporate branches across the EU, but retail and SME banking in Poland and other EU markets was sold. · source

8.0Latin America, Africa & South Asia

Institutional operations across Latin America, India and Africa continue after the sale of consumer businesses, within a 90+ market footprint. · source

7.5Business cards (Visa, Mastercard)

Citi Commercial Cards are issued as Visa or Mastercard with multi-currency virtual cards managed through Citi APIs, and the page carries local contact forms for 23 European countries. · source

7.0Middle East & Gulf

Corporate banking in the UAE, Saudi Arabia, Qatar and Bahrain including live tokenized-deposit transactions with First Abu Dhabi Bank. · source

7.0Fintech companies that need a partner bank

Citi Payments Express and 24/7 USD Clearing are sold to payment companies and banks, with Siam Commercial Bank live in July 2026. · source

7.0On-ramp: buy crypto with fiat

Citi and Coinbase announced in October 2025 a collaboration starting with fiat pay-ins and pay-outs for Coinbase's on and off ramps for Citi's institutional clients, so the bank supports moving money to a regulated exchange. · source

7.0Off-ramp: crypto to fiat in a business account

The same Coinbase collaboration covers fiat pay-outs from Coinbase back into Citi accounts; no published source-of-funds process for smaller crypto businesses was found. · source

6.5United Kingdom

Citibank N.A. London serves corporates and institutions and UK retail banking was exited; OFSI fined the branch in September 2026. · source

6.5Online businesses: e-commerce and SaaS

Citi Payments Express processes close to 10 million transactions a day in 20+ markets for platforms and marketplaces. Citi Commercial Cards expose virtual card issuance through APIs, but this sits in the commercial and TTS business rather than in a small-business checking product. · source

5.5Crypto-friendly bank

Institutional bitcoin custody is planned for late 2026 and Citi joined the 2026 stablecoin consortium, but there is no stated policy for onboarding crypto exchanges. · source

5.0Canada

Citi Canada serves corporate and institutional clients with no Canadian SME product. · source

5.0Fast digital onboarding

Online application exists but CitiBusiness accounts are available only in branch states such as New York, California, Illinois, Texas and Florida. · source

5.0Startups & VC-backed companies

Citi competes with JPMorgan and Goldman for startup banking relationships but has no dedicated startup unit named on its site. · source

4.5Customer satisfaction

The citigroup.com page on Trustpilot has one review, so there is no usable public score. The CFPB logged 23,415 complaints against Citibank N.A. in the 12 months to 6 September 2026, while the Citi Mobile app holds 4.9 out of 5 from 4.08 million US App Store ratings. · source

4.0Lowest fees

CitiBusiness Streamlined Checking charges USD 15 a month unless a USD 5,000 balance is kept, and Flexible Checking USD 25 at USD 10,000. · source

4.0Best interest on business balances

A CitiBusiness Interest Checking product is listed but no rate is published on the product page. · source

3.5Foreign-owned & non-resident companies

Citi US accounts require a US address and SSN, and non-residents without them are directed to Citi International Personal Bank with balances from 200,000 USD. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

Citi's published Environmental and Social Policy prohibits activities such as forced labor and cluster munitions but says nothing about gambling, cannabis or adult businesses. · source

3.5Stablecoins (USDC, USDT and others)

Citi Token Services moves tokenised deposits 24/7 in select markets and completed a weekend USD payment with DBS in September 2026, but these are bank deposits on a private ledger and Citi offers no stablecoin accounts or payouts. · source

2.5Bitcoin

Bitcoin custody for institutional clients is announced for later in 2026 but not live, and Citi offers no bitcoin trading, checked September 2026. · source

2.0Crypto wallet and custody for a business

Citi said on 18 August 2026 that it expects to go live with digital asset custody later this year, starting with bitcoin, inside its Custody+ suite; no launch date is set, so no crypto can be held at Citi today. · source

1.0Accept crypto payments

Citi's digital cash work covers tokenised deposits moved between Citi accounts through Citi Token Services, and no merchant crypto acceptance product was found, checked September 2026. · source

1.0Ethereum

Citi's planned custody starts with bitcoin only and no ether service is announced or live, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.