What it does
ClearBank in four products.
01
Agency banking
Accounts and direct access to the UK payment schemes, Faster Payments, Bacs and CHAPS, for firms that are not members themselves.
02
Embedded Banking
FSCS-eligible current accounts, savings accounts and Cash ISAs a client offers under its own brand.
03
Multi-currency and FX
Up to 11 currencies alongside GBP on one IBAN, with real-time FX in 64 currency pairs.
04
Digital asset rails
Cross-border payments using the EURC stablecoin and settled in euros by SEPA Instant, for EU-regulated institutions.
Who uses it
The companies that build on ClearBank.
Types of client
- Fintechs
- Pre-regulated firms
- Digital asset platforms
- Banks
- Building societies and credit unions
- Acquirers
- Corporates
Accounts on Finzil that use ClearBank
TideSome accounts are ClearBank deposits, FSCS-protected
EmoniCustomer money safeguarded at ClearBank Europe
Fiat RepublicClearBank partner for MiCA safeguarding
Allica BankClearBank case study: SME current accounts
PaysetPartnership announced by ClearBank
PayDoPartnership announced by ClearBank
AirwallexOn ClearBank's list of clients
BCB GroupClearBank case study
Other clients ClearBank names
- Capital on Tap
- PingPong
- Pay.com
- Bybit EU
- Crassula
- WealthKernel
- Tazapay
Coverage
Where the money can go.
- Markets
- United Kingdom and the European Union
- Where money is held
- GBP at the Bank of England, EUR at De Nederlandsche Bank and the European Central Bank
- Currencies on one IBAN
- GBP and up to 11 others
- FX pairs
- 64
- Payment rails
- Faster Payments, Bacs, CHAPS, SEPA, SEPA Instant, EURC
Licences
Every ClearBank licence.
| Country | Licence | Company and number |
|---|---|---|
 United Kingdom | BankPRA and FCA | ClearBank Limited754568 |
 Netherlands | BankEuropean Central Bank and De Nederlandsche Bank | ClearBank Europe N.V.Regulator's notice |
| Netherlands | Crypto-asset service provider (MiCA)AFM · granted 9 April 2026 | ClearBank Europe N.V. |
For your business
Is your money at ClearBank?
Tide, Emoni and other accounts on Finzil run on ClearBank. What that means depends on how the app uses it:
Deposit or e-money
With Embedded Banking, as at Tide, your account is a ClearBank deposit and eligible balances are FSCS-protected up to £120,000. With a safeguarding account, as at Emoni, it is e-money: kept apart, but not a deposit.
One limit per bank
The FSCS limit applies once per depositor across everything held at ClearBank, including money held through different apps.
Keep a second account
Two apps on the same partner can fail together. A second account issued by a different institution keeps salaries and suppliers paid.
FAQ
Your questions, answered.
Can my company open an account with ClearBank?
No. ClearBank takes only regulated financial firms, such as e-money and payment institutions, banks and investment firms, and does not take micro-enterprises.
Is ClearBank the same as Tide?
No. Tide is an e-money institution. ClearBank provides the accounts behind some Tide accounts, which is why they can be FSCS-protected.
Is ClearBank a bank?
Yes. ClearBank Limited is a UK bank (FRN 754568) and ClearBank Europe N.V. is a Dutch bank supervised by De Nederlandsche Bank.
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