No. 7 of 31 ·Banking-as-a-Service Platforms

Column

Web · API

Freedom report

One barScore 5.5

Free tierNo free tier on record
Open codeNo open-source code on record
Runs widely1 of 6 device platforms
DocumentedPlans, terms and facts published

Column is a nationally chartered bank offering banking 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 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 offerings include credit origination, warehouse, and forward flow facilities. Column also describes support for USDC and USDT, accounts and cards for verified customers globally, and foreign-currency accounts with conversion to and from U.S. dollars. Card issuing connects to Visa and Mastercard and supports Apple Pay, Google Pay, Samsung Pay, and Garmin Pay. Developers can access API documentation, a sandbox, and workflow guides. Column describes its intended customers as technology companies, U.S. banks, international banks, and real estate businesses. It began building in 2019 and launched in 2022. Pricing is on request, and the site directs prospective customers to contact sales.

Who it is for

Column is intended for technology companies, U.S. banks, international banks, and real estate businesses building financial products. Its APIs and sandbox are aimed at teams developing payment, account, card, or lending workflows.

What is good

Payment connections span U.S. and global rails.
APIs support several types of bank accounts.
Card programs include multiple card types.
Developer documentation includes a sandbox.

What to know first

Pricing is available on request.
Prospective customers are directed to contact sales.
Global accounts and cards are for verified customers.

Verdict

Column offers banking infrastructure across payments, accounts, cards, and lending for companies building financial products. Prospective customers need to contact sales for pricing details.

Compared on banking-as-a-service platforms

Card issuing: Yes
Embedded accounts: Yes
Payment rails: ach
KYC/AML tools: Yes
Ledger: Yes
Supported regions: United States; international wire destinations

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The record

What it does: Column provides banking infrastructure and APIs for companies building financial products, including payment processing and lending platforms.
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.
Accounts: Column supports programmable checking, savings, trust, subledger, clearing, and sweep accounts, and says these accounts are FDIC-insured.
Cards: Column offers debit, credit, unsecured, charge, and secured card programs, with options to use its balance sheet or the customer’s own.
Lending: Column offers credit origination, warehouse, and forward flow facilities, including dedicated funding for lending programs.
Stablecoins: Column says USDC and USDT work with the U.S. dollar and U.S. and international payment rails through its platform.
Global banking: Column says it supports U.S. dollar or local-currency accounts and cards for verified customers globally.
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.
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.
Security: Column says its security program follows guidance from NIST and FFIEC and is subject to governmental audits and independent third-party assessments.
Compliance: Column’s card-program guide says it performs BSA/AML transaction monitoring and OFAC/Sanctions screening with program partners.
Support: Column’s developer documentation lists [email protected] for feedback and [email protected] for technical support.
Who it is for: Column describes its intended customers as technology companies, U.S. banks, international banks, and real estate businesses building financial products.
Company: Column says it began building in 2019 and launched in 2022; its company page identifies San Francisco with an office image caption.

Where it ranks on Freedom251

Best Banking-as-a-Service Platforms in 2026#7 of 31

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Sources

column.com· checked 3 Oct 2026
column.com/launch/· checked 3 Oct 2026
column.com/card-issuing/· checked 3 Oct 2026
column.com/security/· checked 3 Oct 2026
docs.column.com/guides/card-programs· checked 3 Oct 2026
docs.column.com· checked 3 Oct 2026
column.com/company/· checked 3 Oct 2026
column.com/pricing/· checked 3 Oct 2026