Payments
Move money across every major payment scheme
Send and receive payments through direct UK and European clearing, without sponsors or intermediaries.
Direct scheme member
Access to every major UK and EU payment scheme with no need to become direct participants.
Every rail. One API.
Faster Payments, Bacs, CHAPS, SEPA, SEPA Instant and T2 through a single integration.
Central bank settlement
Settled at the Bank of England (GBP) and the European Central Bank (EUR). FSCS and DGS protection on eligible deposits.
Real-time, 24/7
Active-active platform with no scheduled downtime. 99.9% straight-through processing.
Trusted by leading businesses
ClearBank connects to your chosen payment schemes
Offer your customers real-time payments, 24/7 for always-on money movement
Direct access to payment schemes, including Faster Payments, Bacs, CHAPS and SEPA Instant, plus multi-currency clearing
Customer funds held securely with a fully licensed UK bank
Built for scale and resilience to perform reliably at high volumes
The banking partner for ambitious businesses
One integration into the world’s major payment rails
UK payment schemes
EU payment schemes
Every payment settled at the central bank
Know who you’re paying before money moves
UK and European payee verification standards, delivered in real time through a single integration.
CoP
Confirmation of Payee
Real-time UK payee verification
A real‑time check that the payee name entered matches the account holder at the receiving bank – completed before the payment is sent. Available in three delivery models to suit how you operate.
Benefits
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- CoP: Real‑time payee checks built directly into Faster Payments
- CoP Aggregator Service: One connection to serve multiple brands, products or institutions
- CoPaaS: standalone access, no ClearBank account needed
VoP
Verification of Payee
Real-time EU payee verification
A pan‑European check that the payee name matches the account holder’s IBAN – completed before a SEPA payment is sent. Delivered through ClearBank’s SEPA Credit Transfer and Instant APIs.
Benefits
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- Real-time check before SEPA payment
- Standardised pan-European EPC scheme
- Mandatory under EU IPR
How businesses move money with ClearBank
Client stories
Payments infrastructure, proven at scale
Payments per month
2026 average
Real-time availability
no scheduled downtime
Schemes
direct member
FAQs
ClearBank provides direct access to every major UK and EU payment scheme: Faster Payments, CHAPS, Bacs (Direct Credit and Direct Debit), SEPA Credit Transfer, SEPA Instant Credit Transfer, T2, and the Image Clearing System for cheques. SWIFT connectivity is built in for cross-border GBP and multi-currency payments.
Yes. We’re a direct participant in Faster Payments, CHAPS, Bacs, ICS, SEPA, SEPA Instant, and T2. We hold settlement accounts at the Bank of England (GBP) and the European Central Bank (EUR). Payments route straight through us to the schemes – not through a sponsor bank.
Faster Payments and SEPA Instant settle in seconds, 24/7/365. CHAPS settles same-day in real-time via the Bank of England’s RTGS system when initiated before the daily cut-off. Bacs runs on a 3-day clearing cycle. T2 settles in real time in central bank money during scheme operating hours.
We provide Bacs access via modern API and webhook notifications — no Bacstel-IP infrastructure, manual file uploads, nor third-party Bacs bureau. We sponsor Service User Numbers for partners and handle indemnity claims through our direct scheme membership.
Yes. For cross-border GBP, we use SWIFT messaging with CHAPS settlement for same-day delivery. For EUR, SEPA Credit Transfer is available to 36 SEPA countries, and T2 can reach over 40,000 branches in 160 countries.. For other currencies, ClearBank’s multi-currency rails support 30+ currencies via correspondent banking relationships.
We hold banking licences in both the UK (PRA-authorised, FCA-regulated) and the EU (Dutch banking licence). UK and EU schemes are accessible through the same API. You don’t need separate integrations for each region.
Funds in transit through ClearBank settle in central bank money at the Bank of England or the European Central Bank — the highest level of settlement security available. Balances held in ClearBank accounts during processing are FSCS-eligible (UK) or covered by national Deposit Guarantee Schemes (EU).
