# ClearBank

**Canonical:** https://apis.io/providers/clearbank/  
**Website:** https://www.clear.bank/  
**APIs profiled:** 11

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.

## Kin Score — 48.1 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 48.1).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 50.3 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 61.3 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 44.3 (matched via tags).

## Agent readiness — 48.5 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## APIs (11)

- **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.

## MCP servers (1)

- **ClearBank MCP Server**

## Agentic access (1)

- **Clearbank Agentic Access** — 31 operations · 29 acting

## Security (3)

- **Clearbank Authentication** — http/custom-signature · 3 schemes
- **Clearbank Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Clearbank Vulnerability Disclosure** — security.txt · contact published

## Tags

Financial-Services, Banking, Banking as a Service, Embedded Banking, Payments, Clearing, Faster Payments, CHAPS, Multi-Currency, Foreign Exchange, Open Banking, United Kingdom, Fintech

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/clearbank/). Scores are computed from the provider's own public artifacts under a published rubric.