specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Citizens Financial Group
providerId: citizens-financial-group
created: '2026-05-04'
modified: '2026-09-05'
generated: '2026-09-05'
method: searched
source: >-
  Plan names, tiers and rate limits read from the Citizens API Developer Portal product pages on
  2026-09-05 (https://developer.citizensbank.com/product and
  https://sandboxdeveloper.citizensbank.com/product). The one published unit price is from
  https://developer.citizensbank.com/content/qut/CitizensAccountValidationAPIUserGuide.pdf.
reconciled: true
tags:
  - Banking
  - Financial Services
  - Payments
  - Open Banking
  - FDX
description: >-
  Citizens publishes named API plans on its IBM API Connect developer portal - each product carries
  one or more plans with an advertised rate limit and a subscribe button - but it publishes almost no
  prices. Every plan page reads "Rate limits" and "Terms and conditions", not a monetary rate.
  Subscription is request-and-approve, not self-service: the portal routes each request to a Citizens
  API administrator. The single exception is the Account Validation API, where the user guide states
  a per-transaction price outright.
notes: >-
  plan_count below counts distinct published portal plans across both environments. Commercial terms
  for production access roll into the client's Citizens commercial banking or data-sharing agreement
  and are not published.
sources:
  - https://developer.citizensbank.com/product
  - https://sandboxdeveloper.citizensbank.com/product
  - https://developer.citizensbank.com/support
  - https://developer.citizensbank.com/content/qut/CitizensAccountValidationAPIUserGuide.pdf
plan_count: 11
published_prices:
  - item: Account Validation
    price: '1.25'
    currency: USD
    unit: per validation
    conditions: >-
      "A charge of $1.25 per validation will be incurred. If an account is unable to be found, no
      charge will be applied."
    source: https://developer.citizensbank.com/content/qut/CitizensAccountValidationAPIUserGuide.pdf
plans:
  - id: commercial-banking-default
    name: Default Plan
    product: commercial-banking
    environment: production
    type: request-and-approve
    apis: [Payments, Account Transfer, Account Validation, Information Reporting]
    price: not published
    currency: USD
    rate_limit: 100 calls per hour
    url: https://developer.citizensbank.com/product/commercial-banking
  - id: accounts-limited
    name: Limited
    product: accounts
    environment: production
    type: request-and-approve
    apis: [Accounts (FDX v1.0)]
    price: not published
    rate_limit: 1 call per second
    url: https://developer.citizensbank.com/product/accounts
  - id: accounts-bronze
    name: Bronze
    product: accounts
    environment: production
    type: request-and-approve
    apis: [Accounts (FDX v1.0)]
    price: not published
    rate_limit: unlimited
    url: https://developer.citizensbank.com/product/accounts
  - id: accounts-silver
    name: Silver
    product: accounts
    environment: production
    type: request-and-approve
    apis: [Accounts (FDX v1.0)]
    price: not published
    rate_limit: unlimited
    url: https://developer.citizensbank.com/product/accounts
  - id: accounts-gold
    name: Gold
    product: accounts
    environment: production
    type: request-and-approve
    apis: [Accounts (FDX v1.0)]
    price: not published
    rate_limit: unlimited
    url: https://developer.citizensbank.com/product/accounts
  - id: statements-platinum
    name: Platinum
    product: statements
    environment: production
    type: request-and-approve
    apis: [Statements (FDX v1.0)]
    price: not published
    rate_limit: 3 calls per second
    url: https://developer.citizensbank.com/product/statements
  - id: statements-gold
    name: GOLD
    product: statements
    environment: production
    type: request-and-approve
    apis: [Statements (FDX v1.0)]
    price: not published
    rate_limit: 1 call per second
    url: https://developer.citizensbank.com/product/statements
  - id: identity-sandbox
    name: Sandbox
    product: Identity
    environment: production portal
    type: request-and-approve
    apis: [Authorize]
    price: not published
    rate_limit: 100 calls per hour
    url: https://developer.citizensbank.com/product/88
  - id: sandbox-accounts-default
    name: DEFAULT
    product: Accounts
    environment: sandbox
    type: request-and-approve
    apis: [Accounts (FDX v2.1)]
    price: not published
    rate_limit: 1000 calls per hour
    url: https://sandboxdeveloper.citizensbank.com/product/124
  - id: sandbox-marketing-default
    name: DEFAULT
    product: Marketing
    environment: sandbox
    type: request-and-approve
    apis: [ATM Locator, Branch Locator]
    price: not published
    rate_limit: 1000 calls per hour
    url: https://sandboxdeveloper.citizensbank.com/product/127
  - id: sandbox-statements-gold
    name: GOLD
    product: statements
    environment: sandbox
    type: request-and-approve
    apis: [Statements (FDX v2.1)]
    price: not published
    rate_limit: unlimited
    url: https://sandboxdeveloper.citizensbank.com/product/statements
commercial_model:
  self_service: false
  onboarding: >-
    An Implementation Manager runs a kickoff, collects security contacts, client IPs, the mTLS public
    key and a JWKS endpoint; production access follows sandbox sign-off and a mutually agreed go-live
    date.
  contracting: >-
    API charges are not separately listed. Payments settle as underlying ACH / RTP / wire transaction
    fees and account service charges under the client's commercial banking agreement; Account
    Validation is the one surface with a published per-call price.
  contact: https://www.citizensbank.com/corporate-finance/overview.aspx
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com