Transaction Banking
Real-time money movement for UK businesses
Delivering the visibility you need for more efficient, effective treasury and cash management.
Instant payments. Faster cash flow
Real–time settlement and full visibility across every payment, at any volume.
One API-based platform for less complexity
Payments, accounts, and reconciliation in one robust service
Fully regulated. Fully protected
Operate within a regulated bank – FSCS–backed accounts and compliance built in.
Gain instant control and visibility at scale
Real–time balances and reconciliation across complex, high–volume operations.
Complete treasury control. Powered by ClearBank.
Connect your banking and payments through our API
Embed flexible, secure account structures at the point of need for your customers
Real-time payments for instant money movement
Scale your accounts at pace
Fuelling transformation for the businesses shaping tomorrow
Delivering a new approach to corporate transaction banking
Modern transaction banking is moving towards direct Enterprise Resource Planning integration and real-time data that supports automated reconciliation workflows.
Accounts built for high‑volume operations
From operating funds to customer money – accounts that scale with your business
Operating accounts
Hold corporate treasury funds. Direct scheme access, real-time API.
Customer segregated accounts
Sub-customer segregation at scale. Up to 6 million vIBANs per real account.
Multi-currency accounts
Multiple currencies on one IBAN. Institutional cross-border treasury.
Account structures built for scale and control
Choose how funds are held and tracked – real or virtual structures for high–volume operations.
IBAN
International Bank Account Number
Real account structure
Real accounts form the regulated foundation for all account structures – underpinning operating, client money, and safeguarding use cases.
Benefits
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- Regulated foundation for all account types
- Supports operating and customer fund use cases
- Base layer for scalable account structures
vIBAN
Virtual International Bank Account Number
Virtual account structure
Virtual account structures enable scale, control, and reconciliation – without the overhead of managing large numbers of physical accounts.
Benefits
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- Built for large customer or transaction volumes
- Customer–level tracking without account sprawl
- Common in complex treasury and Business Process Outsourcing (BPO) models
Protected funds. Infrastructure you can rely on
Authorised by the PRA and DNB. Regulated by the FCA, PRA and AFM.
Trusted at scale
Open bank accounts
In deposits held
Clients supported
FAQs
Corporates, platforms, and Business Process Outsourcers (BPOs) managing high–volume payments and complex treasury operations. If your existing setup is creating friction, Transaction Banking is built to replace it.
Transaction Banking is built for greater operational scale and complexity – advanced account structures, higher transaction volumes, and deeper treasury visibility for organisations managing multi-entity or high-volume fund flows.
No. Transaction Banking supports regulated and non–regulated organisations. Where regulatory obligations apply – client money or safeguarding – account structures reflect those needs based on your permissions.
Through structured accounts, virtual identifiers, and automation. Transaction volumes, entities, and operational complexity can grow without rebuilding your underlying payments or treasury infrastructure.
Within ClearBank's regulated banking infrastructure – in operating, client money, or safeguarding accounts, depending on your use case. Funds are held at the Central Bank.
Onboarding is structured to match your complexity – covering technical integration, due diligence, and implementation. Your dedicated Client Director scopes the timeline from the first conversation.
Yes. From single–entity corporates to multi–customer platforms and Business Process Outsourcers (BPOs) – account types and structures are configured to reflect how funds flow through your organisation.
