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Liquidity Management Services

Optimize your cash flow

Deploy global cash when and where you need it, almost anywhere in the world. Citi's Liquidity Management solutions help enhance transparency, manage risk, and streamline short-term funding to empower clients to grow into their vision.

Siemens

Providing support for near instant funding and liquidity management and enabling cross-border transfers beyond the limit of local cutoff times.

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Klook

Streamlining and automating FX processing through effective liquidity management.

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Wayfair

Driving automation and visibility in Wayfair's cash management processes to help implement forward-thinking treasury operations.

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View all our client stories

Deploy global cash when and where you need it.

Learn more about the benefits of Citi’s liquidity solutions.

Leverage the power of citi

~90countries
presence in ~90 countries and ~85 currencies for deposits and integrated cash management
~50countries
with cross-border or cross-currency pooling solutions
~2trillion
in physical pooling flows through Citi’s network every month

*As of October 2025.

How we help

Extract your cash to self-fund your business

Target Balancing

Increase control of cash with automated physical cash concentration, based on your timing, amount, and desired frequency. Solutions are available in-country, cross-border, cross-currency, and on a multi-bank basis.
Learn more about Target Balancing: https://www.youtube.com/watch?v=fVy1eS7qW3w

Notional Pooling

Virtually aggregate credit and debit balances across participating accounts into a single net amount to optimize interest costs and returns. Notional pooling efficiencies are typically achieved without commingling of funds, as the virtual balance aggregation is done on a notional basis.

Virtual Accounts

Streamline accounts to centralize cash while providing user group-level payments, reporting, reconciliation, and tracking, thereby helping to increase operational efficiencies.

Learn more about Virtual Accounts: https://www.citigroup.com/global/insights/treasury-and-trade-solutions/citi-s-virtual-accounts

CitiDirect® Cash Concentration

Dynamically view, manage, and change structures in CitiDirect®, featuring 24/7 access to global structures, from virtually anywhere in the world.

Learn more about CitiDirect®: https://www.citigroup.com/global/insights/new-world-of-streamlined-liquidity-management?linkId=862774159

Improve your returns

Deposits

Bank accounts are available for deposits in about 90 markets and 85 currencies as of October 2025. Where available, organizations can earn competitive returns on ending-day balances with interest-bearing deposits or by actively placing Time Deposits. Select options may also be available on a cross-border basis to earn “soft-dollar” credits to offset transactional services fees or improve yield on select accounts based on their combined balance.

Third-Party Funds

A flexible solution designed to segregate beneficiary-owned deposits from proprietary funds, ensuring strict regulatory compliance and identifying opportunities for enhanced monetization. Available in about 50 global markets as of October 2025.

Online Investments

Citibank® Online Investments helps simplify the short-term investment process with convenient execution channels, complemented by robust reporting and analytics. Through our secure portal, you can access money market funds and time deposits.
Learn more about Online Investments: https://www.citigroup.com/global/insights/treasury-and-trade-solutions/citibank-online-investments

Users of Citibank® Online Investments can access money market fund and rate information here, refreshed weekly: https://www.citibank.com/tts/solutions/liquidity-management/fund-rates/rates.jsp

Manage cash in real time

Real-time Liquidity Management

Increase working capital efficiency and optimize cash across multiple accounts by sharing available balances or moving funds in near real-time across accounts to enable the timely release of payments and reduced need for liquidity buffers, prefunding, and borrowing. Solutions available in various forms in 38 markets around the globe as of October 2025.

Learn more about Real-time Liquidity Management: https://www.citigroup.com/global/insights/maximize-funding-efficiency-24-7

Citi® Token Services

Citi® Token Services utilizes blockchain technology to provide near real-time cross-border payments, liquidity transfers, and automated trade finance around the clock. This solution helps deliver real-time, always-on, next-generation transaction banking services to institutional clients.
Learn more about Citi® Token Services: https://www.citigroup.com/global/insights/treasury-and-trade-solutions/citi-token-services-for-cash

Not all solutions are available in all countries/ jurisdictions. Please consult with your Citi representative.