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 11 APIs on the APIs.io network, including GBP Accounts API, Faster Payments API, CHAPS API, and 8 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 36 more developer resources.

🌐 Visit website 📡 Source on GitHub
51.4/100 developing ▬ flat Agent 75/100 agent native Full breakdown ↓
scored 2026-07-28 · rubric v0.5
11 APIs
Financial ServicesBankingBanking as a ServiceEmbedded BankingPaymentsClearingFaster PaymentsCHAPSMulti-CurrencyForeign ExchangeOpen BankingUnited KingdomFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.5
Composite quality — 51.4/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 13.0 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 6.2 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 75/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 11

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

ClearBank GBP Accounts API

Open and manage sterling accounts, retrieve account details, balances, transactions, Bacs data, and reporting for financial institution customers.

ClearBank Faster Payments API

Initiate and manage UK Faster Payments (FPS) and internal transfers, including payment origination overview, for onboarded institutions.

ClearBank CHAPS API

Initiate and manage high-value CHAPS RTGS payments, returns, and bank-to-bank settlement as a direct CHAPS participant.

ClearBank Multi-Currency Accounts API

Create and manage multi-currency (MCCY) accounts, retrieve balances, transactions, and statements across supported currencies.

ClearBank Multi-Currency Payments API

Orchestrate outbound and inbound multi-currency payments across supported currencies and payment rails for embedded and agency banking customers.

ClearBank FX API

Foreign-exchange trading orchestration supporting spot and request-for-quote (RFQ) currency conversion tied to multi-currency accounts.

ClearBank SEPA Credit Transfer API

Send and receive SEPA Credit Transfer (SCT) euro payments across the Single Euro Payments Area for onboarded institutions.

ClearBank Confirmation of Payee API

Outbound Confirmation of Payee (CoP) name-checking against payee account details to reduce misdirected payments and APP fraud.

ClearBank Customer Due Diligence (KYC) API

Know Your Customer / Customer Due Diligence checks for onboarding and verifying customers within embedded and agency banking propositions.

ClearBank Cross-Border Sterling Payments API

Cross-border sterling payment initiation and management for institutions moving funds internationally through ClearBank.

ClearBank Retail Embedded Banking Customers API

Embedded Banking APIs to create and manage retail customers, hub and payment accounts, savings, and ISAs on ClearBank's banking infrastructure.

Scroll for all 11

Event Specifications 1

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

Clearbank Webhooks

ASYNCAPI

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

Sandbox
Sandbox
 DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 WellKnown
WellKnown
 LLMsTxt
LLMsTxt
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Webhooks
Webhooks
 Conformance
Conformance
 DataModel
DataModel

Scroll for all 7

Build 3

SDKs, sample code, and the tooling you integrate with

Packages
Packages
 Postman
Postman
 GitHubOrganization
GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 Authentication
Authentication
 SecurityTxt
SecurityTxt
 Security
Security

Operate 2

Status, limits, changes, and where to get help

StatusPage
StatusPage
 Deprecation
Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Other 11

Properties that don't map to a standard resource type

Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay
 Overlay
Overlay

Scroll for all 11

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.
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
created: '2026-07-23'
modified: '2026-07-23'
specificationVersion: '0.19'
apis:
- aid: clearbank:clearbank-gbp-accounts-api
  name: ClearBank GBP Accounts API
  description: Open and manage sterling accounts, retrieve account details, balances, transactions, Bacs data, and reporting
    for financial institution customers.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Accounts
  - Sterling
  - GBP
  properties:
  - type: OpenAPI
    url: openapi/clearbank-sterling-v4.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-faster-payments-api
  name: ClearBank Faster Payments API
  description: Initiate and manage UK Faster Payments (FPS) and internal transfers, including payment origination overview,
    for onboarded institutions.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Faster Payments
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/clearbank-fps-initiate-payment-v3.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-chaps-api
  name: ClearBank CHAPS API
  description: Initiate and manage high-value CHAPS RTGS payments, returns, and bank-to-bank settlement as a direct CHAPS
    participant.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - CHAPS
  - RTGS
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/clearbank-chaps-v6.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-multi-currency-accounts-api
  name: ClearBank Multi-Currency Accounts API
  description: Create and manage multi-currency (MCCY) accounts, retrieve balances, transactions, and statements across supported
    currencies.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Multi-Currency
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/clearbank-mccy-accounts-v2.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-multi-currency-payments-api
  name: ClearBank Multi-Currency Payments API
  description: Orchestrate outbound and inbound multi-currency payments across supported currencies and payment rails for
    embedded and agency banking customers.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Multi-Currency
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/clearbank-mccy-payments-v1.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-fx-api
  name: ClearBank FX API
  description: Foreign-exchange trading orchestration supporting spot and request-for-quote (RFQ) currency conversion tied
    to multi-currency accounts.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Foreign Exchange
  - FX
  properties:
  - type: OpenAPI
    url: openapi/clearbank-fx-orchestrator-rfq.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-sepa-credit-transfer-api
  name: ClearBank SEPA Credit Transfer API
  description: Send and receive SEPA Credit Transfer (SCT) euro payments across the Single Euro Payments Area for onboarded
    institutions.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - SEPA
  - Payments
  - Euro
  properties:
  - type: OpenAPI
    url: openapi/clearbank-sepa-ct-v1.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-confirmation-of-payee-api
  name: ClearBank Confirmation of Payee API
  description: Outbound Confirmation of Payee (CoP) name-checking against payee account details to reduce misdirected payments
    and APP fraud.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Confirmation of Payee
  - Fraud Prevention
  properties:
  - type: OpenAPI
    url: openapi/clearbank-cop-outbound-v1.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-customer-due-diligence-api
  name: ClearBank Customer Due Diligence (KYC) API
  description: Know Your Customer / Customer Due Diligence checks for onboarding and verifying customers within embedded and
    agency banking propositions.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - KYC
  - Customer Due Diligence
  - Compliance
  properties:
  - type: OpenAPI
    url: openapi/clearbank-know-your-customer-v1.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-cross-border-api
  name: ClearBank Cross-Border Sterling Payments API
  description: Cross-border sterling payment initiation and management for institutions moving funds internationally through
    ClearBank.
  humanURL: https://clearbank.github.io/uk/docs/api/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Cross-Border
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/clearbank-cross-border-v4.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/api/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
- aid: clearbank:clearbank-retail-customers-api
  name: ClearBank Retail Embedded Banking Customers API
  description: Embedded Banking APIs to create and manage retail customers, hub and payment accounts, savings, and ISAs on
    ClearBank's banking infrastructure.
  humanURL: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
  baseURL: https://institution-api.clearbank.co.uk
  tags:
  - Embedded Banking
  - Retail
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/clearbank-customers_v2_retail.json
  - type: Documentation
    url: https://clearbank.github.io/uk/docs/embedded-banking/retail-customers/
  - type: APIReference
    url: https://clearbank.github.io/uk/docs/api/overview/
common:
- 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