Open and manage sterling accounts, retrieve account details, balances, transactions, Bacs data, and reporting for financial institution customers.
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{
"openapi": "3.0.1",
"info": {
"title": "ClearBank Financial Institutions API",
"description": "ClearBank API endpoints for creating and managing accounts and transactions.",
"contact": {
"name": "API Support",
"url": "https://clear.bank",
"email": "fiapisupport@clear.bank"
},
"version": "4.0.Sterling"
},
"paths": {
"/v4/Accounts": {
"post": {
"tags": [
"Accounts"
],
"summary": "This endpoint is used to create a new FSCS-protected embedded banking account.",
"description": "If you want to create a cash ISA or savings account, use the POST /v1/isas or POST /v1/savings endpoints instead.",
"operationId": "V4InstitutionsByInstitutionIdAccountsPost",
"parameters": [
{
"name": "Authorization",
"in": "header",
"description": "Your API Token, obtained from the ClearBank Portal.",
"required": true,
"schema": {
"type": "string"
}
},
{
"name": "DigitalSignature",
"in": "header",
"description": "Signed hash of the body of the request. The hash is signed by your private key.",
"required": true,
"schema": {
"type": "string"
}
},
{
"name": "X-Request-Id",
"in": "header",
"description": "A unique identifier for the request; valid for 24 hours, max length 83.",
"required": true,
"schema": {
"type": "string"
}
}
],
"requestBody": {
"description": "Information that is used to create a FSCS-protected current account.",
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/ClearBank.FI.API.Accounts.Versions.V4.Models.Binding.Accounts.CreateAccountRequest"
}
}
},
"required": true,
"x-bodyName": "request"
},
"responses": {
"201": {
"description": "Created",
"headers": {
"X-Correlation-Id": {
"description": "A unique identifier which should be referenced in any issue with any API call.",
"schema": {
"type": "string"
}
}
},
"content": {
"application/json": {
"schema": {
"$ref": "#/components/schemas/ClearBank.FI.API.Accounts.Versions.V4.Models.Response.Accounts.Account"
}
},
"application/problem+json": {
"schema": {
"$ref": "#/components/schemas/ClearBank.FI.API.Accounts.Versions.V4.Models.Response.Accounts.Account"
}
}
}
},
"400": {
"description": "Bad Request",
"headers": {
"X-Correlation-Id": {
"description": "A unique identifier which should be referenced in any issue with any API call.",
"schema": {
"type": "string"
}
}
},
"content": {
"application/json": {
"schema": {
"title": "A validation problem object",
"required": [
"errors"
],
"type": "object",
"properties": {
"type": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A URI reference RFC3986 that identifies the problem type.",
"format": "uri-reference"
},
"title": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A short, human-readable summary of the problem type. It SHOULD NOT change from occurrence to occurrence of the problem, except for purposes of localization (e.g., using proactive content negotiation; see RFC7231, Section 3.4)"
},
"status": {
"maximum": 599,
"minimum": 100,
"type": "integer",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "The HTTP status code (RFC7231, Section 6) generated by the origin server for this occurrence of the problem."
},
"detail": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A human-readable explanation specific to this occurrence of the problem."
},
"instance": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A URI reference that identifies the specific occurrence of the problem. It may or may not yield further information if dereferenced.",
"format": "uri-reference"
},
"errors": {
"type": "object",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "Human-readable validation errors specific to this occurrence of the problem."
}
}
}
},
"application/problem+json": {
"schema": {
"title": "A validation problem object",
"required": [
"errors"
],
"type": "object",
"properties": {
"type": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A URI reference RFC3986 that identifies the problem type.",
"format": "uri-reference"
},
"title": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A short, human-readable summary of the problem type. It SHOULD NOT change from occurrence to occurrence of the problem, except for purposes of localization (e.g., using proactive content negotiation; see RFC7231, Section 3.4)"
},
"status": {
"maximum": 599,
"minimum": 100,
"type": "integer",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "The HTTP status code (RFC7231, Section 6) generated by the origin server for this occurrence of the problem."
},
"detail": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A human-readable explanation specific to this occurrence of the problem."
},
"instance": {
"type": "string",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "A URI reference that identifies the specific occurrence of the problem. It may or may not yield further information if dereferenced.",
"format": "uri-reference"
},
"errors": {
"type": "object",
"additionalProperties": {
"type": "array",
"items": {
"type": "string"
}
},
"description": "Human-readable validation errors specific to this occurrence of the problem."
}
}
}
}
}
},
"403": {
"description": "Forbidden",
"headers": {
"X-Correlation-Id": {
"description": "A unique identifier which should be referenced in any issue with any API call.",
"schema": {
"type": "string"
}
}
}
},
"409": {
"description": "Conflict",
"headers": {
"X-Correlation-Id": {
"description": "A unique identifier which should be referenced in any issue with any API call.",
"schema": {
"type": "string"
}
}
}
}
}
}
}
},
"components": {
"schemas": {
"ClearBank.FI.API.Accounts.Versions.V4.Models.Binding.Accounts.CreateAccountRequest": {
"required": [
"sortCode",
"productId",
"customerId"
],
"type": "object",
"properties": {
"owner": {
"$ref": "#/components/schemas/ClearBank.FI.API.Accounts.Versions.V4.Models.Binding.Accounts.PartyIdentification"
},
"sortCode": {
"pattern": "^\\d{6}$",
"type": "string",
"description": "The sort code that the current account should be created under.",
"example": "010203"
},
"productId": {
"pattern": "^[a-fA-F0-9]{8}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{12}$",
"type": "string",
"description": "The product identifier of the current account. It is used to determine the behaviour of the account.",
"format": "uuid",
"example": "01234567-89ab-cdef-0123-456789abcdef"
},
"customerId": {
"pattern": "^[a-fA-F0-9]{8}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{4}-[a-fA-F0-9]{12}$",
"type": "string",
"description": "The unique identifier of the customer that holds the current account.",
"format": "uuid",
"example": "01234567-89ab-cdef-0123-456789abcdef"
},
"minimumBalance": {
"type": "number",
"description": "The minimum allowable balance of the account (example: -£1000). Note that you must send a negative number to create an overdraft. This field can only be used if your organisation is an embedded banking client with an overdraft agreement in place; otherwise the request will be rejected.",
"format": "double",
"example": -500.55
}
},
"description": "Information that is used to create a FSCS-protected current account."
},
"ClearBank.FI.API.Accounts.Versions.V4.Models.Binding.Accounts.PartyIdentification": {
"type": "object",
"properties": {
"name": {
"maxLength": 140,
"minLength": 0,
"pattern": "^[^\\|_\\[\\]<>^`~\\\\$]*$",
"type": "string",
"description": "Name for the owner of the current account.",
"example": "John Smith"
}
},
"description": "Set of elements used to identify a person or an organisation."
},
"ClearBank.FI.API.Accounts.Versions.V4.Models.Response.Accounts.Account": {
"required": [
"id",
"name",
"type",
"currency"
],
"type": "object",
"properties": {
"id": {
"type": "string",
"description": "The unique identifier for the current account.",
"example": "01234567-89ab-cdef-0123-456789abcdef"
},
"name": {
"type": "string",
"description": "The friendly name of the account.",
"example": "Current Account"
},
"label": {
"type": "string",
"description": "The account holder label for the account.",
"example": "John Smith"
},
"type": {
"enum": [
"CACC"
],
"type": "string",
"description": "Specifies the type of the account. The only valid option is CACC.",
"example": "CACC"
},
"currency": {
"uniqueItems": false,
"type": "array",
"items": {
"enum": [
"AED",
"AFN",
"ALL",
"AMD",
"ANG",
"AOA",
"ARS",
"AUD",
"AWG",
"AZN",
"BAM",
"BBD",
"BDT",
"BGN",
"BHD",
"BIF",
"BMD",
"BND",
"BOB",
"BOV",
"BRL",
"BSD",
"BTN",
"BWP",
"BYN",
"BZD",
"CAD",
"CDF",
"CHE",
"CHF",
"CHW",
"CLF",
"CLP",
"CNY",
"COP",
"COU",
"CRC",
"CUC",
"CUP",
"CVE",
"CZK",
"DJF",
"DKK",
"DOP",
"DZD",
"EGP",
"ERN",
"ETB",
"EUR",
"FJD",
"FKP",
"GBP",
"GEL",
"GHS",
"GIP",
"GMD",
"GNF",
"GTQ",
"GYD",
"HKD",
"HNL",
"HRK",
"HTG",
"HUF",
"IDR",
"ILS",
"INR",
"IQD",
"IRR",
"ISK",
"JMD",
"JOD",
"JPY",
"KES",
"KGS",
"KHR",
"KMF",
"KPW",
"KRW",
"KWD",
"KYD",
"KZT",
"LAK",
"LBP",
"LKR",
"LRD",
"LSL",
"LYD",
"MAD",
"MDL",
"MGA",
"MKD",
"MMK",
"MNT",
"MOP",
"MRU",
"MUR",
"MVR",
"MWK",
"MXN",
"MXV",
"MYR",
"MZN",
"NAD",
"NGN",
"NIO",
"NOK",
"NPR",
"NZD",
"OMR",
"PAB",
"PEN",
"PGK",
"PHP",
"PKR",
"PLN",
"PYG",
"QAR",
"RON",
"RSD",
"RUB",
"RWF",
"SAR",
"SBD",
"SCR",
"SDG",
"SEK",
"SGD",
"SHP",
"SLL",
"SOS",
"SRD",
"SSP",
"STN",
"SVC",
"SYP",
"SZL",
"THB",
"TJS",
"TMT",
"TND",
"TOP",
"TRY",
"TTD",
"TWD",
"TZS",
"UAH",
"UGX",
"USD",
"USN",
"UYI",
"UYU",
"UZS",
"VEF",
"VND",
"VUV",
"WST",
"XAF",
"XAG",
"XAU",
"XBA",
"XBB",
"XBC",
"XBD",
"XCD",
"XDR",
"XOF",
"XPD",
"XPF",
"XPT",
"XSU",
"XTS",
"XUA",
"XXX",
"YER",
"ZAR",
"ZMW",
"ZWL"
],
"type": "string"
},
"description": "The currencies held in the account. This is the three-letter ISO currency code.",
"example": "GBP"
},
"balances": {
"uniqueItems": false,
"type": "array",
"items": {
"$ref": "#/components/schemas/ClearBank.FI.API.Accounts.Versions.V4.Models.Response.Accounts.Balance"
},
"description": "Account balance in the given currency."
},
"productId": {
"type": "string",
"description": "The product identifier of the current account. It is used to determine the behaviour of the account.",
"format": "uuid",
"example": "01234567-89ab-cdef-0123-456789abcdef"
},
"customerId": {
"type": "string",
"description": "The unique identifier of the customer that holds the current account.",
"format": "uuid",
"example": "01234567-89ab-cdef-0123-456789abcdef"
},
"minimumBalance": {
"type": "number",
"description": "The minimum allowable balance of the account (example: -£1000).",
"format": "double",
"example": -500.55
},
"iban": {
"type": "string",
"description": "The IBAN identifier associated with the account.",
"example": "GB12CLBK01020312345678"
},
"bban": {
"type": "string",
"description": "The BBAN identifier associated with the account.",
"example": "CLBK01020312345678"
},
"upic": {
"type": "string",
"description": "The Universal Payment Identification Code (UPIC) associated with the account."
},
"cuid": {
"type": "string",
"description": "The CHIPS Universal Identifier associated with the account."
}
},
"description": "Represents a summary of a given account."
},
"ClearBank.FI.API.Accounts.Versions.V4.Models.Response.Accounts.Balance": {
"required": [
"name",
"amount",
"currency",
"status"
],
"type": "object",
"properties": {
"name": {
"type": "string",
"description": "The name associated with the current account.",
"example": "Current Account"
},
"amount": {
"type": "number",
"description": "The amount of funds in the account in a specific currency.",
"format": "double",
"example": 54321.54
},
"currency": {
"enum": [
"AED",
"AFN",
"ALL",
"AMD",
"ANG",
"AOA",
"ARS",
"AUD",
"AWG",
"AZN",
"BAM",
"BBD",
"BDT",
"BGN",
"BHD",
"BIF",
"BMD",
"BND",
"BOB",
"BOV",
"BRL",
"BSD",
"BTN",
"BWP",
"BYN",
"BZD",
"CAD",
"CDF",
"CHE",
"CHF",
"CHW",
"CLF",
"CLP",
"CNY",
"COP",
"COU",
"CRC",
"CUC",
"CUP",
"CVE",
"CZK",
"DJF",
"DKK",
"DOP",
"DZD",
"EGP",
"ERN",
"ETB",
"EUR",
"FJD",
"FKP",
"GBP",
"GEL",
"GHS",
"GIP",
"GMD",
"GNF",
"GTQ",
"GYD",
"HKD",
"HNL",
"HRK",
"HTG",
"HUF",
"IDR",
"ILS",
"INR",
"IQD",
"IRR",
"ISK",
"JMD",
"JOD",
"JPY",
"KES",
"KGS",
"KHR",
"KMF",
"KPW",
"KRW",
"KWD",
"KYD",
"KZT",
"LAK",
"LBP",
"LKR",
"LRD",
"LSL",
"LYD",
"MAD",
"MDL",
"MGA",
"MKD",
"MMK",
"MNT",
"MOP",
"MRU",
"MUR",
"MVR",
"MWK",
"MXN",
"MXV",
"MYR",
"MZN",
"NAD",
"NGN",
"NIO",
"NOK",
"NPR",
"NZD",
"OMR",
"PAB",
"PEN",
"PGK",
"PHP",
"PKR",
"PLN",
"PYG",
"QAR",
"RON",
"RSD",
"RUB",
"RWF",
"SAR",
"SBD",
"SCR",
"SDG",
"SEK",
"SGD",
"SHP",
"SLL",
"SOS",
"SRD",
"SSP",
"STN",
"SVC",
"SYP",
"SZL",
"THB",
"TJS",
"TMT",
"TND",
"TOP",
"TRY",
"TTD",
"TWD",
"TZS",
"UAH",
"UGX",
"USD",
"USN",
"UYI",
"UYU",
"UZS",
"VEF",
"VND",
"VUV",
"WST",
"XAF",
"XAG",
"XAU",
"XBA",
"XBB",
"XBC",
"XBD",
"XCD",
"XDR",
"XOF",
"XPD",
"XPF",
"XPT",
"XSU",
"XTS",
"XUA",
"XXX",
"YER",
"ZAR",
"ZMW",
"ZWL"
],
"type": "string",
"description": "Set to 'GBP' as other currencies are not supported.",
"example": "GBP"
},
"status": {
"enum": [
"CLBD",
"XPCD",
"OTHR",
"VALU"
],
"type": "string",
"description": "The type of balance being reported.",
"example": "VALU"
}
},
"description": "A summary of the balance of an account, in a specific currency."
}
}
}
}