Column
San Francisco, United States
What it is
Column is a nationally chartered bank providing infrastructure and APIs for companies building financial products. Its payment connections include the Federal Reserve, The Clearing House, SWIFT, and card networks for moving money in the United States and globally. APIs support programmable checking, savings, trust, subledger, clearing, and sweep accounts, which Column says are FDIC-insured. Companies can launch debit, credit, unsecured, charge, or secured card programs using their own balance sheet or Column’s. Lending facilities cover credit origination, warehouse, and forward flow programs. Column also describes stablecoin support, global accounts and cards for verified customers, and multicurrency accounts with conversion to and from U.S. dollars. Card issuing connects to Visa and Mastercard plus Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. Developers receive documentation, a sandbox, and workflow guides. Pricing is on request.
For and against
For
- Provides programmable bank accounts
- Supports multiple payment rails
- Offers several card program types
- Includes API documentation and sandbox
- Supports international and multicurrency services
Against
- Pricing requires contacting sales
- Use is intended for business product builders
- Compliance processes involve program partners
The verdict
Column brings accounts, payments, cards, and lending into one API-oriented banking platform. Its intended customers are organizations building regulated financial products rather than individual users.
Who it suits
Column targets technology companies, U.S. banks, international banks, and real estate businesses building financial products. It suits teams seeking programmable accounts, payments, cards, or lending infrastructure.
On the record
- Account insurance
- Column states that its programmatically created bank accounts are FDIC-insured.column.com · read 3 Oct 2026
- Accounts
- Column supports programmable checking, savings, trust, subledger, clearing, and sweep accounts, and says these accounts are FDIC-insured.column.com · read 3 Oct 2026
- Bank accounts
- Its APIs support checking, savings, trust, subledger, clearing, and sweep accounts, as well as multiple account numbers for a single account.column.com · read 3 Oct 2026
- Card programs
- Column says customers can launch debit, credit, unsecured, charge, or secured card programs and use their own balance sheet or Column’s.column.com · read 3 Oct 2026
- Cards
- Column offers debit, credit, unsecured, charge, and secured card programs, with options to use its balance sheet or the customer’s own.column.com · read 3 Oct 2026
- Company
- Column says it began building in 2019 and launched in 2022; its company page identifies San Francisco with an office image caption.column.com · read 3 Oct 2026
- Company history
- Column says it began building the bank in 2019 and launched in 2022.column.com · read 3 Oct 2026
- Company location
- Column’s company page includes a caption identifying its San Francisco office.column.com · read 3 Oct 2026
- Compliance
- Column’s card-program guide says it performs BSA/AML transaction monitoring and OFAC/Sanctions screening with program partners.docs.column.com · read 3 Oct 2026
- Developer access
- Column provides API documentation, a sandbox for building, and guides for payment workflows and programmatic bank accounts.docs.column.com · read 3 Oct 2026
- Global banking
- Column says it supports U.S. dollar or local-currency accounts and cards for verified customers globally.column.com · read 3 Oct 2026
- Integrations
- Column says its card issuing connects to Visa and Mastercard and supports mobile wallets including Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.column.com · read 3 Oct 2026
- Intended customers
- The company says its infrastructure serves technology companies, U.S. banks, international banks, and real estate businesses.column.com · read 3 Oct 2026
- Lending
- Column offers credit origination, warehouse, and forward flow facilities, including dedicated funding for lending programs.column.com · read 3 Oct 2026
- Multicurrency
- Column describes accounts for receiving, holding, and sending foreign currencies, with conversion to and from U.S. dollars and links to international instant payment systems such as SEPA Instant.column.com · read 3 Oct 2026
- Payment rails
- Column says it connects directly to the Federal Reserve, The Clearing House, Swift, and card networks to move money in the United States and globally.column.com · read 3 Oct 2026
- Payments
- Its payment products use connections to the Federal Reserve, The Clearing House, SWIFT, and card networks to move money to bank accounts in the United States or globally.column.com · read 3 Oct 2026
- Pricing
- The pricing URL opened without readable page content, and the site directs prospective customers to contact sales.column.com · read 3 Oct 2026
