ClearBank website screenshot

ClearBank

ClearBank is a UK clearing and Banking-as-a-Service bank, founded in 2015 by Nick Ogden (founder of WorldPay) and Charles McManus and granted a banking licence in December 2016 as the first new UK clearing bank in more than 250 years. ClearBank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 754568), with a European subsidiary, ClearBank Europe N.V., authorised by the European Central Bank. It is privately owned, backed by Apax Partners and PPF Group. Built cloud-native on Microsoft Azure, ClearBank is a direct participant in the UK payment schemes (Faster Payments, CHAPS, Bacs) and offers Agency Banking, Embedded Banking, and Transaction Banking to banks, fintechs, and corporates through a single proprietary JSON REST API. Unlike the CMA9 retail banks, ClearBank is not a mandated Open Banking ASPSP and does not publish the OBIE Open Data (ATMs/Branches/Products) or OBIE Read/Write (AISP/PISP/CBPII) APIs; its public developer surface is the token-authenticated, RSA-signed ClearBank Financial Institutions API covering GBP accounts and payments, multi-currency accounts, FX, SEPA, cross-border payments, Confirmation of Payee, customer due diligence (KYC), and embedded/retail banking, with a full simulation environment for onboarding.

ClearBank publishes 15 APIs on the APIs.io network, including Accounts API, Co P API, Create Fx Quote Endpoint API, and 12 more. Tagged areas include Financial-Services, Banking, Banking as a Service, Embedded Banking, and Payments.

The ClearBank catalog on APIs.io includes 1 event-driven AsyncAPI specification.

ClearBank’s developer surface includes authentication, sandbox, documentation, getting-started guide, API reference, engineering blog, and 38 more developer resources.

47.2/100 developing ▬ flat Agent 36/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
11 APIs
Financial-ServicesBankingBanking as a ServiceEmbedded BankingPaymentsClearingFaster PaymentsCHAPSMulti-CurrencyForeign ExchangeOpen BankingUnited KingdomFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/clearbank: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 15

Individual APIs this provider publishes, each with its own machine-readable definition.

ClearBank Accounts API

The Accounts API from ClearBank — 2 operation(s) for accounts.

ClearBank Co P API

The CoP API from ClearBank — 1 operation(s) for cop.

ClearBank Create Fx Quote Endpoint API

The CreateFxQuoteEndpoint API from ClearBank — 1 operation(s) for createfxquoteendpoint.

ClearBank Customer API

The Customer API from ClearBank — 6 operation(s) for customer.

ClearBank Customer Due Diligence API

The Customer Due Diligence API from ClearBank — 1 operation(s) for customer due diligence.

ClearBank External Cross Border Customer Payments V4 API

The ExternalCrossBorderCustomerPaymentsV4 API from ClearBank — 1 operation(s) for externalcrossbordercustomerpaymentsv4.

ClearBank External Customer Payments V6 API

The ExternalCustomerPaymentsV6 API from ClearBank — 1 operation(s) for externalcustomerpaymentsv6.

ClearBank External Institution Payments V6 API

The ExternalInstitutionPaymentsV6 API from ClearBank — 1 operation(s) for externalinstitutionpaymentsv6.

ClearBank External Return Payments V6 API

The ExternalReturnPaymentsV6 API from ClearBank — 1 operation(s) for externalreturnpaymentsv6.

ClearBank Fps Payments API

The FpsPayments API from ClearBank — 2 operation(s) for fpspayments.

ClearBank Fx Orders API

The Fx Orders API from ClearBank — 1 operation(s) for fx orders.

ClearBank Payments API

The Payments API from ClearBank — 3 operation(s) for payments.

ClearBank Retail API

The Retail API from ClearBank — 2 operation(s) for retail.

ClearBank SCT Payments API

The SCT Payments API from ClearBank — 4 operation(s) for sct payments.

ClearBank Secondary Reference Data API

The SecondaryReferenceData API from ClearBank — 1 operation(s) for secondaryreferencedata.

Scroll for all 15

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

FI Initiation API 3.0

OPEN COLLECTION

FX Orchestrator API

OPEN COLLECTION

Accounts API

OPEN COLLECTION

Scroll for all 11

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Clearbank Authentication

http/custom-signature · 3 schemes

SECURITY

Clearbank Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Clearbank Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Clearbank Agentic Access

31 operations · 29 acting

31 operations · 29 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

Documentation 2

Reference material describing how the API behaves

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

Access & Security 5

Authentication, authorization, and security posture

Operate 2

Status, limits, changes, and where to get help

Commercial 2

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 12

Properties that don't map to a standard resource type

Scroll for all 12

Source (apis.yml)

apis.yml Raw ↑
aid: clearbank
url: https://raw.githubusercontent.com/api-evangelist/clearbank/refs/heads/main/apis.yml
name: ClearBank
kind: company
description: ClearBank is a UK clearing and Banking-as-a-Service bank, founded in 2015 by Nick Ogden (founder of WorldPay)
  and Charles McManus and granted a banking licence in December 2016 as the first new UK clearing bank in more than 250 years.
  ClearBank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
  and the Prudential Regulation Authority (FRN 754568), with a European subsidiary, ClearBank Europe N.V., authorised by the
  European Central Bank. It is privately owned, backed by Apax Partners and PPF Group. Built cloud-native on Microsoft Azure,
  ClearBank is a direct participant in the UK payment schemes (Faster Payments, CHAPS, Bacs) and offers Agency Banking, Embedded
  Banking, and Transaction Banking to banks, fintechs, and corporates through a single proprietary JSON REST API. Unlike the
  CMA9 retail banks, ClearBank is not a mandated Open Banking ASPSP and does not publish the OBIE Open Data (ATMs/Branches/Products)
  or OBIE Read/Write (AISP/PISP/CBPII) APIs; its public developer surface is the token-authenticated, RSA-signed ClearBank
  Financial Institutions API covering GBP accounts and payments, multi-currency accounts, FX, SEPA, cross-border payments,
  Confirmation of Payee, customer due diligence (KYC), and embedded/retail banking, with a full simulation environment for
  onboarding.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Financial-Services
- Banking
- Banking as a Service
- Embedded Banking
- Payments
- Clearing
- Faster Payments
- CHAPS
- Multi-Currency
- Foreign Exchange
- Open Banking
- United Kingdom
- Fintech
tags_raw:
- Financial Services
- Banking
- Banking as a Service
- Embedded Banking
- Payments
- Clearing
- Faster Payments
- CHAPS
- Multi-Currency
- Foreign Exchange
- Open Banking
- United Kingdom
- Fintech
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.23'
apis:
- aid: clearbank:clearbank-accounts-api
  name: ClearBank Accounts API
  description: The Accounts API from ClearBank — 2 operation(s) for accounts.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/clearbank-accounts-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-cop-api
  name: ClearBank Co P API
  description: The CoP API from ClearBank — 1 operation(s) for cop.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - CoP
  properties:
  - type: OpenAPI
    url: openapi/clearbank-cop-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-createfxquoteendpoint-api
  name: ClearBank Create Fx Quote Endpoint API
  description: The CreateFxQuoteEndpoint API from ClearBank — 1 operation(s) for createfxquoteendpoint.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - CreateFxQuoteEndpoint
  properties:
  - type: OpenAPI
    url: openapi/clearbank-createfxquoteendpoint-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-customer-api
  name: ClearBank Customer API
  description: The Customer API from ClearBank — 6 operation(s) for customer.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Customers
  tags_raw:
  - Customer
  properties:
  - type: OpenAPI
    url: openapi/clearbank-customer-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-customer-due-diligence-api
  name: ClearBank Customer Due Diligence API
  description: The Customer Due Diligence API from ClearBank — 1 operation(s) for customer due diligence.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Customer Due Diligence
  properties:
  - type: OpenAPI
    url: openapi/clearbank-customer-due-diligence-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-externalcrossbordercustomerpaymentsv4-api
  name: ClearBank External Cross Border Customer Payments V4 API
  description: The ExternalCrossBorderCustomerPaymentsV4 API from ClearBank — 1 operation(s) for externalcrossbordercustomerpaymentsv4.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - ExternalCrossBorderCustomerPaymentsV4
  properties:
  - type: OpenAPI
    url: openapi/clearbank-externalcrossbordercustomerpaymentsv4-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-externalcustomerpaymentsv6-api
  name: ClearBank External Customer Payments V6 API
  description: The ExternalCustomerPaymentsV6 API from ClearBank — 1 operation(s) for externalcustomerpaymentsv6.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - ExternalCustomerPaymentsV6
  properties:
  - type: OpenAPI
    url: openapi/clearbank-externalcustomerpaymentsv6-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-externalinstitutionpaymentsv6-api
  name: ClearBank External Institution Payments V6 API
  description: The ExternalInstitutionPaymentsV6 API from ClearBank — 1 operation(s) for externalinstitutionpaymentsv6.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - ExternalInstitutionPaymentsV6
  properties:
  - type: OpenAPI
    url: openapi/clearbank-externalinstitutionpaymentsv6-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-externalreturnpaymentsv6-api
  name: ClearBank External Return Payments V6 API
  description: The ExternalReturnPaymentsV6 API from ClearBank — 1 operation(s) for externalreturnpaymentsv6.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - ExternalReturnPaymentsV6
  properties:
  - type: OpenAPI
    url: openapi/clearbank-externalreturnpaymentsv6-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-fpspayments-api
  name: ClearBank Fps Payments API
  description: The FpsPayments API from ClearBank — 2 operation(s) for fpspayments.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - FpsPayments
  properties:
  - type: OpenAPI
    url: openapi/clearbank-fpspayments-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-fx-orders-api
  name: ClearBank Fx Orders API
  description: The Fx Orders API from ClearBank — 1 operation(s) for fx orders.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Fx Orders
  properties:
  - type: OpenAPI
    url: openapi/clearbank-fx-orders-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-payments-api
  name: ClearBank Payments API
  description: The Payments API from ClearBank — 3 operation(s) for payments.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/clearbank-payments-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-retail-api
  name: ClearBank Retail API
  description: The Retail API from ClearBank — 2 operation(s) for retail.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Retail
  properties:
  - type: OpenAPI
    url: openapi/clearbank-retail-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-sct-payments-api
  name: ClearBank SCT Payments API
  description: The SCT Payments API from ClearBank — 4 operation(s) for sct payments.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - SCT Payments
  properties:
  - type: OpenAPI
    url: openapi/clearbank-sct-payments-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
- aid: clearbank:clearbank-secondaryreferencedata-api
  name: ClearBank Secondary Reference Data API
  description: The SecondaryReferenceData API from ClearBank — 1 operation(s) for secondaryreferencedata.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - SecondaryReferenceData
  properties:
  - type: OpenAPI
    url: openapi/clearbank-secondaryreferencedata-api-openapi.yml
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
common:
- type: CapabilityMap
  url: capabilities/clearbank-capability-edges.yml
  name: ClearBank Business Capability Map
- type: X-MCPServerCandidate
  url: mcp/clearbank-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: VulnerabilityDisclosure
  url: security/clearbank-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/clearbank-domain-security.yml
- type: AgenticAccess
  url: agentic-access/clearbank-agentic-access.yml
- type: Authentication
  url: authentication/clearbank-authentication.yml
- type: Conventions
  url: conventions/clearbank-conventions.yml
- type: Idempotency
  url: conventions/clearbank-conventions.yml
- type: ErrorCatalog
  url: errors/clearbank-problem-types.yml
- type: Lifecycle
  url: lifecycle/clearbank-lifecycle.yml
- type: StatusPage
  url: https://clearbank.statuspage.io/
- type: Deprecation
  url: https://clearbank.github.io/uk/docs/api/support-life-cycle
- type: Sandbox
  url: sandbox/clearbank-sandbox.yml
- type: Webhooks
  url: asyncapi/clearbank-webhooks.yml
- type: Conformance
  url: conformance/clearbank-conformance.yml
- type: DataModel
  url: data-model/clearbank-data-model.yml
- type: Packages
  url: packages/clearbank-packages.yml
- type: Postman
  url: https://github.com/clearbank/fi-api-postman
- type: WellKnown
  url: well-known/clearbank-well-known.yml
- type: SecurityTxt
  url: well-known/clearbank-security.txt
- type: LLMsTxt
  url: llms/clearbank-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/clearbank-sterling-v4-overlay.yaml
- type: Overlay
  url: overlays/clearbank-fps-initiate-payment-v3-overlay.yaml
- type: Overlay
  url: overlays/clearbank-chaps-v6-overlay.yaml
- type: Overlay
  url: overlays/clearbank-cross-border-v4-overlay.yaml
- type: Overlay
  url: overlays/clearbank-mccy-accounts-v2-overlay.yaml
- type: Overlay
  url: overlays/clearbank-mccy-payments-v1-overlay.yaml
- type: Overlay
  url: overlays/clearbank-fx-orchestrator-rfq-overlay.yaml
- type: Overlay
  url: overlays/clearbank-sepa-ct-v1-overlay.yaml
- type: Overlay
  url: overlays/clearbank-cop-outbound-v1-overlay.yaml
- type: Overlay
  url: overlays/clearbank-know-your-customer-v1-overlay.yaml
- type: Overlay
  url: overlays/clearbank-customers_v2_retail-overlay.yaml
- type: Website
  url: https://www.clear.bank/
- type: DeveloperPortal
  url: https://clearbank.github.io/
- type: Documentation
  url: https://clearbank.github.io/uk/docs/api/
- type: GettingStarted
  url: https://clearbank.github.io/uk/docs/api/getting-started/
- type: APIReference
  url: https://clear.bank/explore-our-api
- type: GitHubOrganization
  url: https://github.com/clearbank
- type: LinkedIn
  url: https://www.linkedin.com/company/clearbank
- type: Blog
  url: https://clear.bank/newsroom
- type: Security
  url: https://clear.bank/security
- type: TermsOfService
  url: https://clear.bank/legal/terms-and-conditions
- type: PrivacyPolicy
  url: https://clear.bank/data-protection-and-privacy
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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