Agency Banking
A scalable way to hold and move money with ease
Focus on your customer experience, while we take care of the underlying accounts and power your payments.
Live in weeks, not months
Accounts and scheme access, ready to deploy the moment you integrate.
One API. Every major scheme.
All the payment schemes you need, through a single always–on connection.
Funds held at the central bank
Customer funds held securely where they're safest. Every time.
Designed to scale with you
From operating account to cross-border payments – a partnership built to keep pace with your ambitions.
Trusted by leading businesses
Power your banking and payments through ClearBank
Power your banking and payments through ClearBank
Build with flexible, secure accounts designed to support any business model
Move money through your chosen payment schemes
Scale without limits with virtual accounts to grow at pace
The banking partner for ambitious businesses
Accounts built for how your business works
From your own operating funds to your customers' money – every account type, covered.
Operating accounts
Your day–to–day business finances, with real–time API and portal access.
Client money/ fund accounts
Segregated accounts designed for investment firms.
Customer segregated accounts
Customer funds kept legally separate from your own. Real or virtual structures.
Safeguarding accounts
Ring–fenced customer funds, held securely for regulated firms.
Multi–currency accounts
Multiple currencies. One IBAN. Built for cross–border businesses.
One API. Every major payment scheme.
We maintain every connection – Bacs, CHAPS and FPS (UK), SEPA Credit, SEPA Instant, T2 (EU) – so you don't have to. Learn more about our direct connection to each major payment scheme across the UK and EU.
Scale without the operational burden
Real accounts, virtual accounts, or both. We'll help you find what fits.
IBAN
International Bank Account Number
Real account structure
Physical accounts, each with their own sort code. Ideal for regulated firms managing safeguarded or operational funds – or those with a relatively small number of customers.
Benefits
+
-
- FSCS–eligible deposits for end customers (UK)
- Ideal for safeguarded or operational funds
- Right for regulated, customer–facing firms
vIBAN
Virtual International Bank Account Number
Virtual account structure
Notionally segregate customer money while keeping funds centralised in at least one real account. Generate up to 6 million vIBANs in real time, 24/7.
Benefits
+
-
- Open accounts instantly, at any scale
- Each vIBAN looks and feels like a real account
- Built for high–volume customer–facing propositions
Your customers' money is in safe hands
Customer funds held at the central bank. Eligible deposits protected up to the applicable local limits.
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
Trusted at scale
Open bank accounts
In deposits held
Clients supported
Undertanding Agency Banking
Agency Banking provides firms with a way to offer accounts and payment services to their customers without the resources and costs of joining a payment scheme directly.
FAQs
No. You get indirect access to the major schemes in your market – all the benefits, none of the cost or complexity.
- UK: Faster Payments, Bacs, CHAPS and Cheque Clearing.
- Europe: SEPA Instant, SEPA Credit Transfer and T2.
One API, all of them.
Yes. Operating accounts for your own funds. Client money, customer segregated, and
safeguarding accounts for theirs – real or virtual.
Yes. Up to 6 million vIBANs, generated in real time, 24/7. No limits on balances or daily transaction volumes.
Typically 12–14 weeks. API integration, sandbox testing, due diligence, payment testing. Your Client Director
is with you from day one.
Yes. Active–active architecture, dynamic failover, zero–second downtime. Real–time webhooks fire the moment
anything happens.
Never. No shared propositions, no overlap, no competition. Your customers stay yours. That's how we built this –
and it won't change.
