Cibiyar ajiyar kuɗi wata cibiya ce ta kuɗi wacce ke karɓar ajiya daga abokan ciniki kuma tana riƙe waɗancan adibas a cikin asusu kamar asusun ajiyar kuɗi, asusun dubawa, da takaddun ajiya (CDs). Misalai na cibiyoyin hada-hadar kuɗi sun haɗa da bankunan kasuwanci, ƙungiyoyin ajiya da rance, ƙungiyoyin lamuni, da bankunan ajiyar juna. Waɗannan cibiyoyi suna amfani da kuɗin ajiyar kuɗi don yin lamuni da saka hannun jari, kuma suna iya ba da wasu ayyukan kuɗi kamar katunan kuɗi, jinginar gida, da tsare-tsaren kuɗi.