Citibank logo

Best Budget App for
Citibank

Link Citibank Access checking, Citi Double Cash, and Custom Cash credit cards to Waypoint for a budget that respects how much you actually spend versus what Citi Mobile shows you.

No credit card · Free forever · Read-only connection

Connection

Plaid

Waypoint connects to Citi through Plaid for the most stable sync.

Account types

5 supported

Access Checking · Accelerate Savings · Double Cash · Custom Cash

Access level

Read-only

Waypoint can see transactions but can never move money in or out of Citi.

Built around how you actually use Citi

Waypoint is a full budgeting app — not just a spending chart bolted onto your banking app.

Automatic transaction sync

Every Citi transaction lands in Waypoint within minutes, categorized and ready to review.

Smart category rules

Recurring Citi merchants learn your categories once and stay sorted forever.

Real budget tracking

See exactly how much of your Citi spending fits each category — no spreadsheets.

AI Money Coach

Ask questions about your Citi spending and get answers in plain English.

Household sharing

If your partner also banks with Citi, share your budget without sharing logins.

Net worth and goals

Track Citi balances over time and set savings goals that actually move.

Connect Citi in under a minute

1

Create your free Waypoint account

No credit card. Sign up with email, Apple, or Google.

2

Search for "Citi" and authorize

Waypoint routes you through Plaid, which is the same secure bank-data provider used by major fintechs. You log in with your Citi credentials — Waypoint never sees them.

3

Pick the accounts you want to budget

Bring in any of your Access Checking, Accelerate Savings, Double Cash accounts. Skip the ones you don't want tracked.

4

Watch your budget build itself

Transactions auto-categorize. Spending shows up against your budget. Done.

Your Citi login stays at Citi

Waypoint uses bank-grade connections through Plaid — the same providers behind apps like Wealthsimple, KOHO, and SoFi. Your credentials are never stored by Waypoint, and the connection is read-only.

Read-only access
256-bit encryption
SOC 2 providers
Disconnect anytime

FAQs about Citi + Waypoint

Does Waypoint actually sync with Citibank?
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Citibank connects through Plaid in Waypoint, supporting Citi Access Account checking and the full Citi credit card lineup including Double Cash and Strata Premier. You sign in once, accept the connection, and your transactions begin syncing — no CSV imports, no manual entry.
Which Citi account types are supported?
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Waypoint supports Access Checking, Accelerate Savings, Double Cash, Custom Cash, Strata Premier from Citibank. If you have multiple accounts, you choose which ones to bring in during setup.
Is connecting Citi to Waypoint safe?
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Yes. Waypoint never sees or stores your Citi login. The connection goes through Plaid — the same bank-data providers used by major fintechs — and is read-only. We can never move money.
How much does it cost to connect Citi?
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The free tier of Waypoint lets you connect one bank including Citibank. The Plus plan (US$7.99/mo) adds the AI Money Coach, advanced reports, and 5 years of history. The Pro plan (US$12.99/mo) bumps you to 5 bank connections and adds net worth and household budgeting.
What if my Citi connection ever breaks?
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Waypoint will surface the issue inside the app and walk you through a one-tap reconnect. You stay in control — your data stays put while the connection is being restored.

Other U.S. banks supported in Waypoint

Connect more than one to see your full picture.

Chase Bank logoChaseBank of America logoBank of AmericaWells Fargo logoWells FargoU.S. Bank logoU.S. BankPNC Bank logoPNCCapital One logoCapital One

Start budgeting your Citi accounts today

Free forever. No credit card. Your Citi accounts can be connected in under a minute.