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ClearBank Embedded Banking
What ClearBank Embedded Banking is
ClearBank Embedded Banking provides regulated banking infrastructure for established firms that want to offer financial products under their own brand without becoming a bank. Available products in the UK include retail and business current accounts, savings accounts, Flexible Cash ISAs, service accounts, and operating accounts. Savings variants cover retail, business, joint, under-16, and 16–17 accounts. Current accounts support Faster Payments, CHAPS, and Bacs. Eligible deposits are protected by the FSCS up to £120,000 per person, per bank. ClearBank accrues interest daily and pays it monthly, while the partner chooses the customer rate. Integration is API-first, with a simulation environment, webhooks for real-time notifications, and a developer portal. ClearBank says average integration takes 30–45 days, with a fastest recorded time of 14 days. Partners manage customer-facing onboarding and monitoring within ClearBank’s framework; ClearBank owns KYC and ultimate regulatory accountability. The Flexible Cash ISA has a £20,000 annual contribution limit and is for UK retail customers. Pricing is on request and there is no free plan.
Who it suits
This service is designed for established regulated fintechs, wealthtechs, corporates, and platforms with a proven track record. It suits organizations needing UK accounts, payment rails, KYC/AML tools, and ledger capabilities through an API.
What it does well
- UK current accounts support Faster Payments, CHAPS, and Bacs
- Includes multiple account and savings variants
- API offers simulation, webhooks, and developer portal
- ClearBank retains ultimate regulatory accountability
- Eligible deposits receive FSCS protection
What to know first
- Available products are limited to the UK
- Pricing requires contacting sales
- Average API integration takes 30–45 days
- Flexible Cash ISA has a £20,000 annual limit
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Embedded Banking | Contact sales · commercial terms not listed | On request |
As clear.bank lists them, read 8 Oct 2026. The maker's own page has the final word.
Verdict
ClearBank combines UK banking accounts, payment schemes, compliance processes, and API integration for established regulated partners. Its paid, UK-focused model and integration responsibilities should be reviewed before adoption.
Facts from ClearBank Embedded Banking's own pages
- Accounts
- The offering includes retail and business current accounts, savings accounts, Flexible Cash ISAs, service accounts and operating accounts. · clear.bank, 8 Oct 2026
- API integration
- The API offering includes a simulation environment, webhook configuration for real-time notifications and a developer portal. · clear.bank, 8 Oct 2026
- Availability
- The listed Embedded Banking products are available in the UK. · clear.bank, 8 Oct 2026
- Cash ISA limit
- The Flexible Cash ISA has a £20,000 annual contribution limit and is available to UK retail customers only. · clear.bank, 8 Oct 2026
- Compliance
- Partners handle customer-facing onboarding and ongoing monitoring within ClearBank’s oversight framework, while ClearBank sets minimum due diligence standards and retains ultimate regulatory accountability. · clear.bank, 8 Oct 2026
- Compliance responsibilities
- Partners manage customer-facing onboarding and ongoing monitoring within ClearBank’s oversight framework; ClearBank owns the KYC process and retains ultimate regulatory accountability. · clear.bank, 8 Oct 2026
- Deposit protection
- Eligible deposits are protected by the FSCS up to £120,000 per person, per bank. · clear.bank, 8 Oct 2026
- Founded
- 2016 · clear.bank, 28 Sept 2026
- Headquarters
- London, United Kingdom · clear.bank, 28 Sept 2026
- Integration
- The API-first integration includes a simulation environment, webhook configuration for real-time notifications and a developer portal. · clear.bank, 8 Oct 2026
- Integration time
- ClearBank says average API integration takes 30–45 days, with its fastest recorded integration taking 14 days. · clear.bank, 8 Oct 2026
- Integration timing
- ClearBank says average API integration takes 30–45 days, with its fastest on record at 14 days. · clear.bank, 8 Oct 2026
- Intended customers
- The product is designed for established regulated firms, including fintechs, wealthtechs, corporates and platforms with a proven track record. · clear.bank, 8 Oct 2026
- Interest
- ClearBank calculates interest through daily accruals and monthly payments, while the partner chooses the customer rate. · clear.bank, 8 Oct 2026
- Payments
- Current accounts support UK payment schemes including Faster Payments and CHAPS, and the page also describes Bacs access for current accounts. · clear.bank, 8 Oct 2026
- Price
- The Embedded Banking page directs prospective partners to contact sales and does not state a price. · clear.bank, 8 Oct 2026
- Products
- The offering includes current accounts, savings accounts, a Flexible Cash ISA, service accounts and operating accounts. · clear.bank, 8 Oct 2026
- Savings variants
- ClearBank lists five savings variants: retail, business, joint, under-16 and 16–17 accounts. · clear.bank, 8 Oct 2026
- Security certifications
- ClearBank says its Information Security Management System is certified to ISO 27001 and its Business Continuity Management System is certified to ISO 22301. · clear.bank, 8 Oct 2026
- Service account limit
- Service accounts accept funds only from a customer’s pre-nominated external account, which the partner must capture and verify during onboarding. · clear.bank, 8 Oct 2026
- What it does
- ClearBank provides regulated banking infrastructure so businesses can offer financial products under their own brand without becoming a bank. · clear.bank, 8 Oct 2026
Where ClearBank Embedded Banking stands on Freedom251
- Banking-as-a-Service Platforms#11 of 31