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The Citizen platform

Citizen lets you accept payments and identify customers across Europe.

We do this by connecting you to your customers' banks via Open Banking APIs.

The easy way to accept Open Banking payments

Let customers pay faster, receive payments sooner and reduce your payment costs. Citizen gives you an adaptable way to accept Open Banking payments.

Get paid fast, from verified accounts

Our payments bring together customer verification and instant payment. Customers pay using their bank account.

Instant outbound customer payments

Return funds to verified customer accounts in an instant with our payout tool.

Everything in one place

Mission control for your bank account and your customers’. Manage payments, payouts and customer identities using one intuitive interface.

Optimise your funds flow

Open a receiving account with us to manage inbound customer payments and ease reconciliation.

Configurable payment tool

Choose from a range of payment journeys optimised for a great user experience.

Payment Requests

Customers need a gentle reminder? Create unique and secure payment links to share using any channel. Messenger services, SMS or email.

Account Holder Verification

Verify account ownership with ease. Let your customer prove who they are via their banking app. No need to request bank statements or send verification codes.

Trusted by banks

Citizen is authorised and regulated by the UK's Financial Conduct Authority.

This lets us provide payment initiation and account information services between all EU-based banks.

Get more information

Just leave us a few details and we'll send you an overview of the Citizen platform.

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Quality over quantity


Open Banking is rolling out across Europe; it's taking longer in some places than others. We'll keep you updated on the status of Open Banking connections in your markets. We're working towards coverage of every EU country's major banks.

We're constantly adding more banks

We're continuing to add more banks

Adapts to any customer journey

Our payment experience adapts to your customer journey, letting your customer pay and verify however they want to.

App to App

Your customer starts the payment on your app, and approves it using their mobile banking app

Web to App

Your customer starts the payment on your website (mobile or desktop) and approves it using their mobile banking app.

Web to Web

Your customer starts the payment on your website (desktop) and approves it on their bank's website.

Photo ID supported

Some banks aren't connected with Open Banking yet. Your customers can verify their identity using a photo ID if their bank isn't available yet.

Omni-channel

Citizen works across desktop, mobile and app experiences.

Encrypted

We can’t see or share your customers’ personal data. Citizen encrypts all data stored on our platform to protect your customers' privacy.

Use Cases

Fintech

No need to choose between effective compliance and good user experiences
Learn more

Cryptocurrency

Fast, frictionless compliance and shorter deposit times
Learn more

Gaming

Boost customer conversion rates and reduce deposit times
Learn more

Real Estate

No need to choose between effective compliance and good user experiences
Learn more

Online Trading

Fast, frictionless compliance and shorter deposit times
Learn more

Travel

Boost customer conversion rates and reduce deposit times
Learn more

eCommerce

No need to choose between effective compliance and good user experiences
Learn more

Enterprise

Fast, frictionless compliance and shorter deposit times
Learn more

Use Cases

eCommerce

No need to choose between effective compliance and good user experiences
Learn more

Enterprise

Fast, frictionless compliance and shorter deposit times
Learn more

Contact our team today with any questions about Citizen!