Embedded Banking
Financial services embedded into your brand
Build, deliver, and scale financial services at the point of need using our banking licence.
Build your brand with our banking licence
Launch regulated financial products without the cost and complexity of becoming a bank.
New revenue streams, new opportunities
We’re here to support you at every stage of your journey and build your future, together.
We collaborate with you, not compete
We’re purpose-built for your growth, with no proposition overlap and no direct-to-consumer products.
A seamless in-platform experience
Financial services embedded within your brand experience.
Trusted by leading businesses
ClearBank embeds into your business
A seamless integration to power up your proposition.
Offer your customers FSCS-protected accounts - eligible for funds up to £120,000
Process payments through your chosen scheme
Help your customers grow their funds with interest-bearing accounts
The banking partner for ambitious businesses
Launch FSCS-protected business, retail, current, and saving accounts under your brand with our built-for-purpose banking infrastructure.
Banking products built for your customers
Current accounts
Day-to-day spending accounts for retail and business customers. FSCS-protected.
Savings accounts
FSCS-protected, interest-earning savings accounts. Five variants from retail to under-16.
Flexible Cash ISA
Tax-free retail savings with HMRC ISA wrapper. £20,000 annual limit. FSCS-protected.
Service accounts
Central account linking external funds to your Embedded Banking products.
Operating accounts
Hold your own working capital. Real bank accounts with full API access.
What Embedded Banking provides
Every product is delivered with the regulated infrastructure needed to launch, scale, and stay compliant.
FSCS protection
Offering FSCS protection gives your customers a level of confidence that safeguarding alone cannot. It is one of the strongest trust signals in UK banking, and it comes built into every ClearBank Embedded Banking product.
Eligible deposits are protected up to £120,000 through our banking licence.
Reduce friction, increase engagement
ClearBank build high-quality, tailored banking products that you can take to your customers.
A partnership model designed for scale
ClearBank holds the banking licence. You design the customer experience.
EBP
Embedded Banking Partner
Design and own the experience
You design the customer journey, onboard customers, and conduct ongoing monitoring within ClearBank's standards and oversight framework.
Benefits
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- Design and own the customer experience
- Onboard and monitor your customers
- Choose which products to offer and how
ClearBank
The banking infrastructure
We provide the licence
ClearBank holds the banking licence, owns accounts on its balance sheet, and maintains ultimate regulatory responsibility — managing interest, FSCS eligibility, and scheme connectivity.
Benefits
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- Holds the banking licence and regulatory oversight
- Manages interest, FSCS eligibility, and compliance
- Provides scheme connectivity and API access
Fuelling innovation, partnering for growth
Client stories
Trusted at scale
Open bank accounts
In deposits held
Clients supported
FAQs
No. ClearBank provides the banking licence and infrastructure. You design the experience and offer products under your brand — without the cost or complexity of becoming a bank.
ClearBank holds ultimate regulatory responsibility for all services covering a ClearBank account or product. You manage customer-facing journeys within ClearBank's oversight framework.
No. ClearBank has no direct-to-consumer products and no ancillary services that compete with yours. Our business exists to support yours.
No. Business current accounts are full payment accounts. Hub accounts are restricted-flow and not payment accounts. Service accounts act as a central cash hub — not a payment account.
Average API integration takes 30–45 days, with the fastest on record at 14 days. A sandbox environment is available throughout to accelerate testing.
FSCS protects eligible customer deposits up to £120,000 per person, per bank. ClearBank's banking licence makes FSCS eligibility available for your customers — safeguarding alone does not.
Established regulated firms — fintechs, wealthtechs, corporates and platforms with a proven track record — that want to offer banking products under their brand without becoming a bank.
