Our platform
Build on real banking infrastructure
One API to build accounts, power payments, FX and multi-currency – backed by a fully licenced bank.
Built API-first, not retrofitted
We were built as a cloud-native, API-first clearing bank offering you scheme indirect access – not a legacy bank with a thin API wrapper.
Every banking capability, one integration
Accounts, payments, FX, multi-currency, virtual IBANs, scheme access – every banking capability through one cloud-native API.
Always-on. Always secure
Active-active across multiple data centres. 99.97% straight-through processing. No scheduled downtime. mTLS and OAuth 2.0.
Modern developer experience
Open Developer Portal. OpenAPI specifications. Sandbox before production. Dedicated technical integration team.
The platform behind every ClearBank solution
The building blocks in one unified API
Build once and access every banking capability, including accounts, payments, FX and event notifications, through a single, unified platform.
Always on. Always secure.
ClearBank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ClearBank Europe N.V. is authorised by the European Central Bank and supervised by De Nederlandsche Bank.
Fuelling innovation, partnering for growth
Client stories
Trusted at scale
Straight-through processing rate
for 2026 based on an average of 93.3m payments per month
Production deployments
in 2025
Payments processed
in 2025
FAQs
The ClearBank API provides access to the full banking stack, including accounts, payments, FX, multi‑currency balances, virtual IBANs and real‑time events, through a single consistent interface.
ClearBank’s API uses mutual TLS for client authentication and OAuth 2.0 for authorisation. The External Gateway API supports FAPI 2.0 for PSD2‑aligned use cases.
The platform operates active‑active across multiple data centres with no scheduled maintenance windows. It achieves 99.97 percent straight‑through processing across production traffic.
Integration timelines vary by use case and regulatory requirements. Many partners complete integration within weeks, supported by an open Developer Portal, sandbox access and a dedicated technical integration team.
Yes. The sandbox is a full simulation of the production API, with the same endpoints, payload structures and webhooks. It does not move real funds and is available during evaluation.
Yes. The platform delivers real‑time event notifications for payments, accounts and FX. Webhooks support per‑event subscriptions, signed payloads for verification and automatic retries on failure.
ClearBank deploys frequent production updates using an active‑active architecture designed to avoid service disruption. Breaking changes are versioned and communicated in advance, while non‑breaking enhancements are delivered continuously.
