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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles ClearBank the way a machine reads it — 31 machine-readable artifacts across 11 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — ClearBank scores 47.2/100 (developing), with a separate agent-readiness read of 36/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Put this on your own site. The badge is drawn live from ClearBank's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
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<img src="https://apis.io/badge/clearbank.svg"
alt="ClearBank Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/clearbank/)<!-- Kin Score · API Evangelist -->
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title="ClearBank on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/clearbank/card.svg"
alt="ClearBank Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
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 15
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 Accounts API
The Accounts API from ClearBank — 2 operation(s) for accounts.
ClearBank Co P API
The CoP API from ClearBank — 1 operation(s) for cop.
ClearBank Create Fx Quote Endpoint API
The CreateFxQuoteEndpoint API from ClearBank — 1 operation(s) for createfxquoteendpoint.
ClearBank Customer API
The Customer API from ClearBank — 6 operation(s) for customer.
ClearBank Customer Due Diligence API
The Customer Due Diligence API from ClearBank — 1 operation(s) for customer due diligence.
ClearBank External Cross Border Customer Payments V4 API
The ExternalCrossBorderCustomerPaymentsV4 API from ClearBank — 1 operation(s) for externalcrossbordercustomerpaymentsv4.
ClearBank External Customer Payments V6 API
The ExternalCustomerPaymentsV6 API from ClearBank — 1 operation(s) for externalcustomerpaymentsv6.
ClearBank External Institution Payments V6 API
The ExternalInstitutionPaymentsV6 API from ClearBank — 1 operation(s) for externalinstitutionpaymentsv6.
ClearBank External Return Payments V6 API
The ExternalReturnPaymentsV6 API from ClearBank — 1 operation(s) for externalreturnpaymentsv6.
ClearBank Fps Payments API
The FpsPayments API from ClearBank — 2 operation(s) for fpspayments.
ClearBank Fx Orders API
The Fx Orders API from ClearBank — 1 operation(s) for fx orders.
ClearBank Payments API
The Payments API from ClearBank — 3 operation(s) for payments.
ClearBank Retail API
The Retail API from ClearBank — 2 operation(s) for retail.
ClearBank SCT Payments API
The SCT Payments API from ClearBank — 4 operation(s) for sct payments.
ClearBank Secondary Reference Data API
The SecondaryReferenceData API from ClearBank — 1 operation(s) for secondaryreferencedata.
Scroll within the panel for all 15 ·
Open Collections 11
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
ClearBank CHAPS RTGS FI API V6
OPEN COLLECTIONClearBank.CoP.Outbound.Api 1.0
OPEN COLLECTIONClearBank Cross-Border Sterling FI API V4
OPEN COLLECTIONClearBank Retail Customer V2 APIs
OPEN COLLECTIONFI Initiation API 3.0
OPEN COLLECTIONFX Orchestrator API
OPEN COLLECTIONCustomer Due Diligence API
OPEN COLLECTIONAccounts API
OPEN COLLECTIONMccy Payment Orchestrator External Api V1
OPEN COLLECTIONClearBank.Sepa.Ct.Orchestrator.Api
OPEN COLLECTIONClearBank Financial Institutions API
OPEN COLLECTIONScroll 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
ASYNCAPISecurity 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.
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.
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.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 12
Properties that don't map to a standard resource type
Scroll within the panel for all 12 ·
← All providers · Data indexed from github.com/api-evangelist/clearbank · machine-readable index on apis.io
This is an independent, third-party profile of ClearBank, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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