Liquidity Management Services
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.
- Extract your cash to self-fund your business
- Improve your returns
- Manage cash in real time
Cash Concentration
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.
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.
CitiDirect® Cash Concentration
Dynamically view, manage, and change structures in CitiDirect®, featuring 24/7 access to global structures, from virtually anywhere in the world.
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 40+ 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.
Users of Citibank® Online Investments can access money market fund and rate information here, refreshed weekly.
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.
Citi® Token Services
Citi® Token Services utilises 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.
Note: Not all solutions are available in all countries/ jurisdictions. Please consult with your Citi representative.
Step into a new world of streamlined liquidity management solutions
In a global economy, business never sleeps and neither should your cash. Flexibility is your most powerful asset. Citi’s Liquidity Management Solutions help put your money in the right place, in the right currency, at the right time.
Leverage the power of Citi’s liquidity network
~85 currencies
For deposits and integrated cash management
~50 countries
For cross-border or cross-currency pooling solutions
~$2 trillion
In physical pooling flows through Citi’s network every month
*As of October 2025
Manage your liquidity in real-time
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