ClearBank

ClearBank is a UK clearing and Banking-as-a-Service bank, founded in 2015 by Nick Ogden (founder of WorldPay) and Charles McManus and granted a banking licence in December 2016 as the first new UK clearing bank in more than 250 years. ClearBank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 754568), with a European subsidiary, ClearBank Europe N.V., authorised by the European Central Bank. It is privately owned, backed by Apax Partners and PPF Group. Built cloud-native on Microsoft Azure, ClearBank is a direct participant in the UK payment schemes (Faster Payments, CHAPS, Bacs) and offers Agency Banking, Embedded Banking, and Transaction Banking to banks, fintechs, and corporates through a single proprietary JSON REST API. Unlike the CMA9 retail banks, ClearBank is not a mandated Open Banking ASPSP and does not publish the OBIE Open Data (ATMs/Branches/Products) or OBIE Read/Write (AISP/PISP/CBPII) APIs; its public developer surface is the token-authenticated, RSA-signed ClearBank Financial Institutions API covering GBP accounts and payments, multi-currency accounts, FX, SEPA, cross-border payments, Confirmation of Payee, customer due diligence (KYC), and embedded/retail banking, with a full simulation environment for onboarding.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

How we profile ClearBank

Each block below is one kind of artifact we hold for ClearBank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 11

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

ClearBank GBP Accounts API

Open and manage sterling accounts, retrieve account details, balances, transactions, Bacs data, and reporting for financial institution customers.

ClearBank Faster Payments API

Initiate and manage UK Faster Payments (FPS) and internal transfers, including payment origination overview, for onboarded institutions.

ClearBank CHAPS API

Initiate and manage high-value CHAPS RTGS payments, returns, and bank-to-bank settlement as a direct CHAPS participant.

ClearBank Multi-Currency Accounts API

Create and manage multi-currency (MCCY) accounts, retrieve balances, transactions, and statements across supported currencies.

ClearBank Multi-Currency Payments API

Orchestrate outbound and inbound multi-currency payments across supported currencies and payment rails for embedded and agency banking customers.

ClearBank FX API

Foreign-exchange trading orchestration supporting spot and request-for-quote (RFQ) currency conversion tied to multi-currency accounts.

ClearBank SEPA Credit Transfer API

Send and receive SEPA Credit Transfer (SCT) euro payments across the Single Euro Payments Area for onboarded institutions.

ClearBank Confirmation of Payee API

Outbound Confirmation of Payee (CoP) name-checking against payee account details to reduce misdirected payments and APP fraud.

ClearBank Customer Due Diligence (KYC) API

Know Your Customer / Customer Due Diligence checks for onboarding and verifying customers within embedded and agency banking propositions.

ClearBank Cross-Border Sterling Payments API

Cross-border sterling payment initiation and management for institutions moving funds internationally through ClearBank.

ClearBank Retail Embedded Banking Customers API

Embedded Banking APIs to create and manage retail customers, hub and payment accounts, savings, and ISAs on ClearBank's banking infrastructure.

Scroll within the panel for all 11 ·

Event Specifications 1

Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Clearbank Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Clearbank Authentication

http/custom-signature · 3 schemes

SECURITY

Clearbank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Clearbank Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Clearbank Agentic Access

31 operations · 29 acting

31 operations · 29 acting

AGENTIC

Resources

Every other property we hold for ClearBank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

← All providers · Data indexed from github.com/api-evangelist/clearbank · machine-readable index on apis.io