Banking Circle
Banking
A bank built for the new economy.
FX & Cross-border
Listed
View profileEurope
Overview
ClearBank provides API-led account, clearing and embedded-banking infrastructure to eligible financial institutions, fintechs and other businesses. Its model combines regulated banking entities with direct access to payment schemes, allowing clients to build real and virtual account structures, initiate payments and receive transaction and balance information through programmatic integrations.
The group operates through separate UK and European legal entities, so product availability, account protection, payment-rail access and customer eligibility must be assessed at entity and market level. ClearBank is most relevant where a product requires banking infrastructure rather than a lightweight software-only account abstraction.
At a glance
- Headquarters
- United Kingdom
- Operating regions
- United Kingdom, European Economic Area
- Operational status
- Active
- Integration
- REST API, Webhooks, Dashboard
Profile reviewed on 2026-07-07
Capabilities
Real accounts
Virtual accounts and vIBAN structures
Agency banking
Embedded banking
UK payment rails
SEPA payment rails
Multi-currency infrastructure
Reconciliation and reporting
Common use cases
- Adding named or virtual accounts to a regulated fintech product
- Connecting an eligible institution to UK or European payment schemes
- Building embedded-banking, treasury or digital-asset banking workflows
Coverage and infrastructure
Operating regions
United KingdomEuropean Economic Area
Payment rails
Faster PaymentsBacsCHAPSImage Clearing SystemSEPA Credit TransferSEPA InstantT2
- Availability and eligibility differ between ClearBank Limited and ClearBank Europe N.V.
- Payment-rail access and account protection must be confirmed for the contracting entity and product.
Integration and developer experience
REST APIWebhooksDashboard
- API style
- JSON over HTTPS
- Documentation
- View documentation
- Sandbox
- Yes
- Webhooks
- Yes
- Dashboard
- Yes
- ClearBank documents API-based account and payment workflows with asynchronous status notifications.
Regulatory entities
ClearBank Limited
Bank- Jurisdiction
- United Kingdom
- Authorisation
- Bank
- Regulators
- Prudential Regulation Authority, Financial Conduct Authority
- Reference
- 754568
- Official register
- View register
Confirm the permissions and protections applicable to the proposed product directly in the official register.
ClearBank Europe N.V.
Credit institution- Jurisdiction
- Netherlands / European Union
- Authorisation
- Credit institution
- Regulators
- European Central Bank, De Nederlandsche Bank
- Official register
- View register
EU services are provided through a separate legal entity and are subject to entity-specific terms and eligibility.
Regulatory permissions are entity- and activity-specific. Confirm current permissions directly with the provider and official register.
Evaluation
Common fit signals
- Regulated or regulated-adjacent fintechs needing account and payment-rail infrastructure
- Financial institutions requiring agency banking or embedded-banking capabilities
- Platforms that need API-controlled account and payment operations
- Direct banking and clearing model
- Separate UK and EU regulated entities
- API-led account and payment infrastructure
- Support for real and virtual account structures
Questions to evaluate
- Confirm which legal entity will contract and provide each service.
- Map named, virtual and pooled account structures to the intended customer-money model.
- Confirm scheme access, cut-off times, return handling and reconciliation outputs.
- Review onboarding eligibility, minimum commercial commitments and operational responsibilities directly with ClearBank.
These points are selection questions, not findings of deficiency. Confirm current products, terms and regulatory status directly with the provider and official registers.
Where this provider fits
Relevant stacks
Launch a European fintechRegulated accounts and payment rails
Role: UK and EEA account and clearing infrastructure
UK
Add accounts and IBANsRegulated account provider
Role: UK and EU account infrastructure
UK
Add accounts and IBANsPayment rails
Role: UK and EU scheme connectivity
Add stablecoin settlementFiat banking connectivity
Role: Banking infrastructure for eligible firms
Related by category
- Accept payments globally
- Issue physical and virtual cards
- Launch marketplace payouts
- Build cross-border treasury
Category matches are a discovery aid, not curated stack placements.
Official and primary sources
- ClearBank official websiteOfficial siteAccessed 2026-07-07
- ClearBank API documentationDocumentationAccessed 2026-07-07
- FCA register — ClearBank LimitedRegulator registerAccessed 2026-07-07
- DNB register — ClearBank Europe N.V.Regulator registerAccessed 2026-07-07
Profile reviewed on 2026-07-07. Compiled by FintechMall from public information; not supplied or endorsed by the provider.
This profile is provided for information and comparison purposes. Listing does not imply endorsement, partnership or regulatory approval by FintechMall. Confirm current products, availability and regulatory status directly with the provider and relevant official registers.
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Relevant insights
- How to choose an EMI or BaaS provider
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- Embedded-finance architecture: from regulated partner to customer experience
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- Named accounts, virtual IBANs and pooled accounts explained
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